Money market funds are usually seen as the safest investment form of all mutual funded vehicles.Because for years most money market accounts usually invest t-bills which are government notes backed by united states government which means you have the best chance of getting your money back. But ,Lately a lot money market accounts have invested in S.I.V accounts which are structured investment vehicles which has a real estate foundation and I think everyone is aware of the sub prime lending crisis. Like the stocks but differently ,money market funds a $1 a share and with this volatile investments called S.I.V. money market funds might strike below the $1 which might be the first time in history. Remember over 3 trillion dollars of U.S dollars are in money market funds imagine that impact on the economy. I am not say money marketing accounts are bad I am just saying make sure it is S.I.V. free meaning look for high yield money market accounts and make sure it doesn't use S.I.V.s.