WOW rates are low....

I thought I would share what many of you have already noticed in your money market funds--the yields are LOW.  According to Barron's, the average money market fund is only earning .03% and the average tax free money market fund is at .02%.  Remember, money market funds, savings accounts and checking accounts are not investments.  Over long periods of time the earnings on these types of accounts do not even keep up with inflation.  However, the reason we keep money in these accounts is to provide liquidity--ready access to cash that is risk free.  For this benefit, savers receive paltry returns.  One of the most frequent questions I get is what to do with this money when rates are so low--the answer is: how much risk are you willing to take?  If you can stand some risk, we can buy bond funds and perhaps some stock funds.  But if you don't want to lose any money--guess what, you're stuck with these abyssmal rates.