Liquidity+
Our money market investment solution, offers a low-risk option and competitive, transparent pricing. Helping you achieve your financial goals with ease.
Our money market investment solution, offers a low-risk option and competitive, transparent pricing. Helping you achieve your financial goals with ease.
Liquidity+ is made up of low-risk assets held in money market funds such as bonds, certificates of deposit and commercial paper.
Enjoy a 4.5% gross annualised yield* on your savings, with the freedom to exit or transfer at any time.
This portfolio is designed for the short term - 2 years or less - but you can exit or transfer your funds to another portfolio anytime.
Liquidity+ is made up of low-risk assets held in money market funds such as bonds, certificates of deposit and commercial paper.
Enjoy a 4.5% gross annualised yield* on your savings, with the freedom to exit or transfer at any time.
This portfolio is designed for the short term - 2 years or less - but you can exit or transfer your funds to another portfolio anytime.
Liquidity+ invests in a range of low-risk money market funds, designed by global asset managers and expertly monitored by our Asset Allocation team.
A money market fund is a type of mutual fund that invests in short-term, low-risk debt securities, such as government bonds, commercial paper and certificates of deposit. Investors with a low appetite for risk** often use this type of fund, or it could be used for investment during periods of heightened market volatility. Liquidity+ is also an option for investors with a short-term investment in mind and those who need access to their money quickly or regularly.
"I had some savings and wanted to invest, but I didn't feel comfortable given the difficult situation in financial markets. I found Liquidity+ to be a good option to invest with low risk and an attractive annualised return, so as not to leave my money ar risk of inflation" David, Moneyfarm investor.
Management fees are charged on your invested amount. You’ll also incur average fund costs (around 0.16% per year) and market spread effects (up to 0.05% per year).
The platform fee applies to all Wealth assets combined. VAT included where applicable.
Explore your other options with us. Whether you're new to investing, more experienced or just looking to diversify, we’re here to help you achieve your financial goals. You can relax with confidence and leave it to the experts to manage your money.
*Based on the weighted average of the gross yields regularly published by the money markets funds held in Liquidity+, as of 30th June 2025.
Returns are sensitive to the Bank of England’s deposit rate fluctuations, with lower rates leading to lower yields and higher rates leading to higher yields.
Money market funds can be a great way to save for short-term goals. You can also capitalise on higher yields driven by the recent rate hikes. Even though it's a low-risk investment, this isn’t a cash product and there's still a chance the value of your investments could fall and you might get less than you invested.
Sign in
By making an investment, your capital is at risk. The value of your Moneyfarm investment depends on market fluctuations outside of our control and you may get back less than you invest. Past performance is no indicator of future performance. The tax treatment of a Moneyfarm Stocks and Shares ISA and a Moneyfarm Pension depends on your individual circumstances and may be subject to change in the future. You should seek financial advice if you are unsure about investing.
©2025 MFM INVESTMENT Ltd
Registered office: 90-92 Pentonville Road, London N1 9HS | Registered in England and Wales Company No. 09088155 | Telephone number: +44 (0)20 3745 6991 | VAT No. 467458154
Moneyfarm is a trading name of MFM Investment Ltd, which is authorised and regulated by the Financial Conduct Authority (FCA Firm Reference Number: 629539)
Products
Authorised and regulated by the Financial Conduct Authority as an Investment Advisor and Investment Management Company - Authorisation no. 629539
This company meets high standards of social and environmental performance, transparency and accountability.
Moneyfarm uses an encrypted connection to protect your data.
For this type of investment there is a double risk management, carried out both by our Asset Allocation team and by the managers of the monetary funds.
Money market funds are considered low-risk investments. This means that they are less likely to experience significant losses on the invested capital, as the fluctuations in their net asset value are minimal. This is due to their investment in low-risk instruments. Even though it's a low-risk investment, this isn’t a cash product and there's still a chance the value of your investments could fall and you might get less than you invested.
This portfolio is designed to manage your savings in volatile markets, moving your capital from a bank account (which exposes you to the erosion of your purchasing power in the event of high inflation) and allocating it in a portfolio with limited risk but with an attractive expected return. Precisely because of its management in the event of anomalous market situations, the investment horizon is short-term, i.e. a maximum of two years.
Liquidity+ invests in money market funds selected by our Asset Allocation team and it is focused on bonds, deposit certificates and commercial paper.
If interest rates fluctuate, the returns of the portfolio may be affected. Generally, investments into money market instruments are often linked to current interest rates, a change in rates could result in a higher or lower returns than expected.
Since money market funds rely on their central bank, rates will vary according to central bank monetary policy. It is our responsibility to be timely in communicating any changes to you.
The benefits of a Liquidity+ investment style include the immediate liquidity and relative stability of returns. Risk exposure is limited: you invest in money market funds selected by our Asset Allocation team that are focused on bonds, deposit certificates and commercial paper, with risk exposure monitored and managed by our Asset Allocation team and the institutional managers of the money market funds.
Costs are low compared to other portfolios: 0.3% per annum (+VAT), plus the cost of the underlying funds - equal to 0.1%.
An added bonus is that you can choose to exit or move your cash into your portfolio whenever you like, so you can choose to enter the market when you see fit.
Liquidity+ is a portfolio that allows you to manage your market entry at your own pace, investing your capital with an attractive expected return and reduced risk exposure.
Liquidity+ has a gross annualised yield currently 4.5*, based on the weighted average of the gross yields regularly published by the money markets funds held in Liquidity+. Returns are sensitive to the Bank of England’s deposit rate fluctuations, with lower rates leading to lower yields and higher rates leading to higher yields. Even though it's a low-risk investment, there's still a chance that you might get less than you invested.
*as of 30th June 2025
