Topic

Money market funds

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Cash & savings · Analysis

· 10 min read

Cash had its moment. From April, the rules change.

Savers put £95.6bn into cash ISAs in 2024 to 2025, more than two and a half times the £37.2bn that went into stocks and shares ISAs. From 6 April 2027 under-65s can put only £12,000 a year into cash.

Money market funds · Explainer

· 6 min read

Money market funds and the 2027 ‘cash-like’ test

Money market funds hold short-term debt and aim to track money market rates, but they are investments, not deposits. From April 2027 a stocks and shares ISA can hold them only as part of a portfolio.