Are money market instruments directly accessible to private investors?

• A. Yes, they can access directly
• B. They can access via government schemes
• C. No, they must use money market accounts or funds
• D. Only via derivatives

Answer: (C)

Private investors typically don’t buy money market instruments directly in wholesale markets. These short‑term debt securities are usually issued in large denominations to institutions and professional investors, which makes direct access impractical for individuals. To participate in money markets, private investors use money market accounts offered by banks or money market funds that pool investors’ money and invest in a diversified mix of short‑term debt. This provides daily liquidity and professional management, without the need to trade individual instruments. So, the practical route for private investors is through these vehicles rather than purchasing the instruments directly.