Money market is the market for short-term financial instruments, which include Treasury bills, bankers’ acceptances, commercial paper, municipal notes, and other securities. Money market instruments have maturities of one year or less. Companies and investors often use money market securities as temporary ‘parking places’ for storing cash. While the returns on money market instruments are relatively low, they are among the safest of investments. They are considered cash equivalents and are included with cash on a company’s balance sheet.