What are money market placements?
Money market placements are low-risk debt instruments that mature in one (1) year or less.

Money market investments are ideal for investors who are looking for short-term placements that will give better yield than a regular savings account. Money market investments are relatively safe and used as parking for excess funds that you might use in a year or less. Examples of money market placements are time deposits (TDs), Treasury Bills (T-bills), and pooled funds invested in money market placements. Money placed in TDs earn from the interest paid by the bank who issued the TD. If you invest in T-Bills, you earn by buying the security at a discount and getting the face value of the security upon maturity.


What are the available money market instruments?

Time Deposits

Interest-bearing bank instruments with tenors of 35, 63, 91, 182, or 364 days.

Treasury Bills

Short-term debt instruments issued by the Philippine government through the Bureau of Treasury

Fixed Income Securities with remaining term of less than a year

Bonds issued by a government or by a corporation that will mature in less than a year.

Money Market Funds

Collective investment schemes that invest in time deposits and/or short-dated government

*Amount paid out when the T-Bill was purchased
**Amount received upon maturity


How to invest?
• Invest directly in individual securities issued by a government or corporation. The investor is the one who assesses and makes the decision on which security to purchase.

• Buy units/shares of a collective investment scheme or a pooled fund thereby indirectly investing in securities issued by a government or corporation. In this arrangement, various investors/participants pool their money and entrust the same to a fund manager, who will be the one to select and buy the underlying securities as allowed by the pooled fund's objective and policies.

Contact your Relationship Manager or visit the nearest BPI branch to learn more about money market.

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