what is unique about a retirement money market account 
money in a retirement money market account is governed by a retirement plan this can place some limits on what you can do with the money in this type of money market account for example it means you can t withdraw money from your retirement money market account until you have reached a certain age on the flip side the money in the account can grow tax free or tax deferred although it shouldn t be left in a money market account for long you may be able to maximize returns by taking the money and investing it in securities like stocks 