If you’re looking for a safe, short-term investment for your cash, money market mutual funds could be the perfect choice.

You’ve probably read about FDIC-insured money market accounts, which you can open at a bank or credit union. Money market mutual funds are a different animal. They’re investment securities, not bank accounts—and it’s important to understand that they are not FDIC insured.

Nevertheless, money market mutual funds more than hold their own as a safe place to earn a return on your cash for short-term investing.