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Where else can bank customers invest their money apart from deposit options?


I'm doing an assignment relate to money market, would like to collect your answers as one of my researches.Many thanks!

You can try insurance companies.

Apart of fixed deposits ? Try to buy goverment bonds... Or how about buying firm's securities

Insurance companies offer Fixed Annuities. Fixed Savings offered with an Insurance Co instead of bank. Go directly through the insurance co, and pay no fees and get higher interest. Usually about 7% guaranteed 1st year.

Money Market is a market for short term funds.Money market mutual funds,short term Govt Securities,Treasury Bills(in some countries),Post office savings funds,purchase of old Govt securities and bonds maturing with in 90 days are money market investment options.Bonds and debentures of reputed companies,banks give another option for deployment ofshort term funds.
Some banks offer short term portfolio management service,custom made ,for deployment of customers funds.,out side the normal business of the bank.There are risk bearing type and risk free.But the rate of return vary.

Banks have merged into the insurance field as well as insurance compnaies have merged into the banking field. Most banks have the ability to sale investment products on behalf on an insurance company. In this case banks often times sell annuities and life insurance policies. Annuities are an insurance product and are NOT insured through the FDIC like regular deposit accounts. They are insured through the actual insurance company issueing the annuity. Annuities are a GREAT investment vehicle if you are looking for a little risk and higher interest rates. They can also be tax deferred where as regular deposit accounts are not.

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