Do not confuse the two terms.
What an investor has actually earned on an investment during a certain time period in the past.
Total return includes dividends and capital gains that the fund distributes to shareholders. A mutual fund incurs capital gains when it sells some of its portfolio holdings to lock in profits or redeem fund shares.
A Money market fund, also known as principal stability funds, is a type of mutual fund that is required by law to invest in low-risk securities. These funds have relatively low risks compared to other mutual funds and pay dividends that generally reflect short-term interest rates.
Money market funds generally invest in
- Government securities
- Certificates of deposits