A Moroccan money market fund (OPCVM monétaire) is the most liquid savings product available in Morocco. It invests in short-term instruments — Treasury bills, bank certificates — and offers near-capital preservation with daily redemption. Our simulator projects your net capital after the 20% capital gains tax.
If you need your cash accessible at any time, a money market fund beats a term deposit. But if you can commit capital for 6 months or more and want a contractually guaranteed rate, a term deposit often yields more net of fees. Use our savings comparator to see both side by side.
Money market funds are the ideal solution for parking an emergency fund or short-term cash awaiting redeployment. They suit all investor profiles — from individuals seeking a better return than a current account to businesses managing surplus treasury. Near-immediate liquidity (redemption within 48 hours) makes them the only Moroccan vehicle that combines availability, safety and a return above the savings rate. They are also a recommended starting point before moving into higher-risk products.
Subscribe through your bank or directly with an AMMC-licensed asset manager. Leading firms in the money market segment include Attijari Asset Management, BMCE Capital Gestion, CDG Capital Gestion, CFG Asset Management and Wafa Gestion. Minimum subscriptions range from MAD 100 to MAD 10,000 depending on the fund. Compare weekly net asset value performance published by the AMMC before choosing: spreads between fund managers can reach 0.3–0.5 percentage points within the same category.
Sources: Bank Al-Maghrib — key rate and monetary statistics; AMMC — OPCVM regulation and statistics. Calculations are indicative and non-contractual.