IRA and Keogh Accounts at Money Market Funds
IRAMMF • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
686.10
Year-over-Year Change
17.66%
Date Range
1/1/1959 - 6/1/2025
Summary
This economic indicator tracks the total value of Individual Retirement Accounts (IRAs) and Keogh retirement accounts invested in money market funds. The trend provides insights into retirement savings strategies and investment preferences among individual investors.
Analysis & Context
This economic indicator provides valuable insights into current market conditions and economic trends. The data is updated regularly by the Federal Reserve and represents one of the most reliable sources for economic analysis.
Understanding this metric helps economists, policymakers, and investors make informed decisions about economic conditions and future trends. The interactive chart above allows you to explore historical patterns and identify key trends over time.
About This Dataset
The series represents the aggregate dollar amount of retirement accounts placed in money market funds, which are considered low-risk, liquid investment vehicles. Economists use this data to understand retirement savings behavior, investment risk tolerance, and potential shifts in personal financial planning.
Methodology
Data is collected through comprehensive financial surveys and reporting from financial institutions, aggregated and reported by the Federal Reserve.
Historical Context
This metric is used in macroeconomic analysis to assess household financial health, investment trends, and potential impacts on broader financial markets.
Key Facts
- Money market funds offer lower risk compared to other investment vehicles
- Represents a significant component of individual retirement investment strategies
- Reflects broader economic conditions and investor sentiment
FAQs
Q: What are IRA and Keogh accounts?
A: IRA and Keogh accounts are tax-advantaged retirement savings vehicles for individuals and self-employed professionals. They allow individuals to save for retirement with potential tax benefits.
Q: Why do investors choose money market funds for retirement accounts?
A: Money market funds offer stability, liquidity, and relatively low risk, making them attractive for conservative investors or those near retirement. They provide a safer alternative to more volatile investment options.
Q: How often is this data updated?
A: The Federal Reserve typically updates this data quarterly, providing a current snapshot of retirement account investments in money market funds.
Q: What does this trend indicate about economic conditions?
A: High investment in money market funds can suggest economic uncertainty, low-risk investor sentiment, or reduced confidence in more aggressive investment strategies.
Q: Are there limitations to this economic indicator?
A: The data only captures money market fund investments and does not represent the entire retirement savings landscape. It should be analyzed alongside other financial indicators for comprehensive insights.
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Citation
U.S. Federal Reserve, IRA and Keogh Accounts at Money Market Funds [IRAMMF], retrieved from FRED.
Last Checked: 8/1/2025