Question 1

What is in a money market fund?

Accepted Answer

Tata Money Market Fund is a mutual fund scheme that invests primarily in money market instruments, such as treasury bills, commercial papers, certificates of deposit, and short term government and corporate debt securities.

Question 2

Is it good to invest in money market funds?

Accepted Answer

Money market funds are generally considered suitable for investors seeking low risk options to park their surplus cash for short durations. They may at times offer better returns than regular savings accounts, with a potential for high liquidity and minimal volatility. However, as with any investment, returns are not guaranteed and may fluctuate depending on market conditions.

Question 3

What is the duration of money market fund?

Accepted Answer

Money market funds typically invest in securities with maturities up to one year. The average duration of the portfolio is kept short, generally between three months and one year, to ensure the fund remains liquid and relatively stable.

Question 4

What is the investment objective of Tata Money Market Fund?

Accepted Answer

The primary investment objective is to generate reasonable returns with high liquidity by investing in high quality money market instruments of low to moderate risk profile.

Question 5

Is there an exit load for early redemption in Tata Money Market Fund?

Accepted Answer

Tata Money Market Fund does not levy an exit load if units are redeemed after a very short holding period (often seven days). However, its important to check the latest fund documents for any applicable exit loads or conditions.

Question 6

What kind of securities does this money market fund invest in?

Accepted Answer

Tata Money Market Fund invests in a mix of money market instruments such as treasury bills, government securities, corporate debt, commercial papers, and certificates of deposit essentially securities with high credit ratings and short maturities.

Question 7

How safe is the Tata Money Market Fund?

Accepted Answer

While these funds are managed to minimize risk, they are not entirely risk free. They are exposed to credit risk (possibility of default by the issuer) and interest rate risk (fluctuation in returns due to changes in interest rates). However, these risks are relatively lower compared to most other mutual fund categories.

Question 8

Who is Tata Money Market Fund best suited for?

Accepted Answer

The fund is best suited for investors who want to park surplus cash for short periods, build an emergency fund, or optimize returns on idle cash with easy access and minimal risk.

Question 9

How quickly can I redeem my investment?

Accepted Answer

Redemption requests in money market funds are processed rapidly, often within one working day (T+1). Investors usually receive the proceeds in their bank account by the next business day after placing the redemption request, making these funds highly liquid.

Question 10

What is the minimum SIP and lump-sum amount for investment?

Accepted Answer

The minimum SIP for Tata Money Market Fund is usually Rs.500, and the minimum lumpsum is around Rs.5,000. Check fund documents for the latest requirements.

Key Measures**	Fund	Benchmark
Standard Deviation	0.38	0.3
Sharpe Ratio
Portfolio Beta	1.17	NA
R Squared	0.88	NA
Treynor	0.13	NA
Jenson		NA

Portfolio Macauley Duration	7.7 Months
Modified Duration	7.7 Months
Average Maturity	7.7 Months
YTM*	705.00%

				Current value of ₹10,000 invested
	Annualized (%)	CRISIL Money Market A-I IndexBenchmark(%)	CRISIL 1 Year T-Bill IndexAdditional Benchmark(%)	Scheme	CRISIL Money Market A-I IndexBenchmark(%)	CRISIL 1 Year T-Bill IndexAdditional Benchmark(%)
Since Inception 22 May 2003	6.76%	6.98%	6.40%	₹23,908	₹24,589	₹22,879
Last 1 Year	6.59%	5.98%	4.62%	₹10,659	₹10,598	₹10,462
Last 3 Years	7.54%	6.98%	6.51%	₹12,445	₹12,249	₹12,089
Last 5 Years	6.59%	6.18%	5.63%	₹13,763	₹13,497	₹13,154

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