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    Money market fund:

    For U.S. investors looking for higher returns than traditional bank accounts, money market funds are an option worth considering. These funds invest primarily in short-term debt instruments, such as Treasury bills and commercial paper. Money market funds typically offer higher interest returns than savings accounts while maintaining relatively low risk. The stability and liquidity of such funds make them a popular choice for investors looking for higher returns.

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    Short-term bond:

    Short-term bonds, especially those with maturities of less than a year, are suitable for investors who want a fixed return in the short term. Short-term bonds typically offer fixed interest payments and are subject to market interest rates. U.S. investors can use short-term bonds to balance risk and return in their portfolios, especially during periods of rising interest rates.