Despite the low 0.12% rate of return that many money market funds provide, cash has remained the center of the universe for many investors who seek the security of the dollar. A study conducted by Bankrate in July 2013, showed that more than 25% of Americans stash their money under the metaphorical mattress (see “Is cash king?” below). Alternatives exist. Investing in the FX market allows you to maintain the security of cash while potentially benefiting from higher interest rates provided by other countries’ central banks. This can be done by the investor through a self-directed account and a little financial education, a broker-assisted account or a managed account through an investment with a commodity trading advisor (CTA) who specializes in FX trading.