# CHF Money market funds \[2023\]

**URL:** https://forum.mustachianpost.com/t/chf-money-market-funds-2023/10321
**Category:** Investing / Portfolios
**Created:** [March 2, 2023, 11:21am UTC](https://forum.mustachianpost.com/t/chf-money-market-funds-2023/10321 "2023-03-02T11:21:28Z")
**Posts on this page:** 1
**Showing post:** 25

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### Author: ![Jaime](https://forum.mustachianpost.com/letter_avatar_proxy/v4/letter/j/4bbf92/32.png) [@Jaime](https://forum.mustachianpost.com/u/Jaime)
#### Post date: [May 7, 2023, 8:01pm UTC](https://forum.mustachianpost.com/t/chf-money-market-funds-2023/10321/25 "2023-05-07T20:01:09Z")

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> [@Short guide to CHF fixed income options](https://forum.mustachianpost.com/t/short-guide-to-chf-fixed-income-options/9901/24):
>
> > [@Jaime](#):
> >
> > c) PERFORMANCE - YTD seems to be around 0.2% for the best ones here, do they make sense? How come savings account can give me 1% - 1.5% interest at the cost of inflexibility?
> 
> Note that YTD performance is year-to-date (first 4 months only), you have to annualise this. While a money market fund has a very small interest rate risk (because of the low average duration), it is not zero and the fund continually marks all holdings to market, the YTD is a combination of yield payouts and these adjustments.

Thank you so so much for the reply. Regarding this paragraph particularly, I am still quite confused. If the performance 0.2% for four months continues in the rest of the year, the whole year performance is gonna be like 0.6%. This is still very far from number of YTM, like 1.5% - 1.9%. So apparently there is some basic fix-income knowledge I don’t get.

Seeing YTD performance 0.6% and YTM 1.5%, If I invest 100k and expect to exit after a year, should I expect 101.5k or 100.6k? I know in a savings account, I can expect 101.5k. Essentially I am looking for a savings account alternative, hopefully getting similar rates locked for as long as possible (1 year) by doing it myself. Is the thought too naive?

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