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Money market funds are used for short-term investments and offer a higher rate of return than other cash equivalents. They are considered to be a low-risk investment and can be used as an emergency fund or for short-term goals. Most money market funds have overnight liquidity, meaning they can be withdrawn at any time without penalty. There are many different types of money market funds, but the most common are treasury funds, government funds, and prime funds.
IBN has established connections with money market families and utilizes these existing relationships to provide our clients additional value when investing in overnight funds. Our analysts constantly monitor and review the performance of money market managers and fund characteristics to make sure our clients’ assets are invested with the best possible funds.
The Mosaic Liquidity platform provides trading, investment research, settlement, and reporting capabilities that can be accessed through a suite of web applications or integrated with a client’s existing treasury and investment applications.
Mosaic provides money market fund industry data and sophisticated trade execution options. We’ve developed a flexible menu of trade entry, approval, automation and reporting options that can be configured according to your existing workflows, applications, and controls
Our global reach and comprehensive product suite provide our clients with a one-stop shop
for all their liquidity needs. Whether you are looking for a traditional money market fund or a more sophisticated investment solution, IBN has the experience and expertise to help you meet your goals.
Commercial paper is a short‐term debt instrument issued by a corporation, typically for the financing of accounts payable and inventories and meeting short‐term liabilities. Maturities on commercial paper rarely range longer than 270 days. It is usually issued by companies with very high credit ratings and most commercial paper is assessed by more than one rating agency.
Commercial paper usually pays a higher rate of interest than guaranteed instruments, and the rates tend to rise along with national economic growth. Those who seek higher yields will likely find these instruments appealing due to their superior returns with modest risk.
We maintain relationships with a wide variety of Commercial Paper issuers, providing superior pricing and exclusive access. As a Broker/Dealer, IBN also has street access to the primary and secondary market of Commercial Paper as well.
IBN offers FDIC Insured Instruments through various providers. These providers networks enable institutions to offer depositors access to FDIC insurance for their entire account*, all through a single financial relationship. This level of security is otherwise cumbersome or very costly to achieve. Clients earn interest at a rate set by the participating institution of their choice. Deposit rates often compare favorably to Treasuries and government money market funds and avoid the risks associated with prime funds, such as a valuation risk.
