Many companies are sitting on capital they don’t need right now. Maybe you’re waiting on a project, planning a campaign, or holding reserves for upcoming expenses. The question is: What should you do with the money in the meantime?

Leave it in your account? That earns 0%. Traditional investments? Often too inflexible or too risky.

For many GmbHs and UGs, a money market fund could be the answer.

Liquidity is more than just security

Liquidity is essential to stay operational. But when capital sits idle in a business account for weeks or months, it loses real value.

Especially in times of moderate inflation, doing nothing becomes a cost. Smart liquidity management doesn’t just ask: Is my capital safe? It also asks: Is it doing something for me?

A money market fund helps bridge that gap.

So what is a money market fund?

A money market fund (MMF) is an investment fund designed specifically for short-term liquidity. It invests in very safe, short-term instruments like:

  • Government bonds
  • High-grade corporate bonds
  • Central bank deposits

The goal: preserve capital, offer daily access, and generate steady, low-risk returns.

At Holvi, the yield access uses a Low Volatility NAV (LVNAV) money market fund managed by DWS, one of Europe’s leading asset managers. That means:

  • The share price remains stable at €1.00

  • Returns are paid out monthly

  • No market swings – just predictable performance

Key benefits at a glance

  • High flexibility – easy to invest, and take money out when it suits you
  • Low-cost access – no entry fees, €1 per sell order
  • Clear earnings – monthly payouts, fully documented for tax
  • Legal security – your capital is held as segregated assets at DWS
  • Accounting made simple – monthly reports ready to export

3 common scenarios where a money market fund helps

1. After a funding round

A tech startup raises new capital but won’t start spending it on hiring and development for another three months.

They invest €120,000 in the money market fund instead of leaving it idle. Result: approx. €728 in gross return in 3 months.

2. Between projects or campaigns

An agency is in a quiet period. The next campaign budget (€30,000) is just sitting in the account.

With the Holvi yield access, the capital keeps working in the background. Result: extra return without impacting campaign timing.

3. After tax payments or audits

A consulting firm finishes a tax audit and ends up with €50,000 in available capital – kept as a buffer.

The funds stay available – but generate income through the fund.
Their accountant automatically gets the report.

Tax handling made easy

Monthly distributions are paid out net of taxes – lemon.markets handles capital gains tax directly.

Holvi documents each payout in your transaction history.

Each payout also comes with a PDF summary attached to the transaction, showing the gross return, tax deductions, and the net payout – making it easy to pass along to your accountant.

These PDFs are already suitable for most bookkeeping needs – and soon, they’ll be automatically transferable to accounting tools like DATEV, LexOffice, or SevDesk.

✳️ Note: Capital income is usually posted to standard SKR accounts – your tax advisor will know what to do.

Conclusion

Liquidity doesn’t have to sit idle. A money market fund isn’t a replacement for strategic investments – but it’s a smart bridge between parking and investing.

Ideal for business owners who need flexibility – but want more than 0%.

Holvi yield access gives you exactly that:
Simplicity, transparency, and returns – without the effort.

Boringly good. For businesses that want more from their money.

Investing carries risks to the capital invested. As with any investment, the value of your investments can go up or down. Past performance is not a reliable indicator of future results. The returns stated are for illustrative purposes and may differ from actual product performance. This is not an offer or investment recommendation. Investors should note that investing in money market funds is not a guaranteed investment and carries different risks compared to a traditional savings account. Access to investment options is granted upon successful onboarding.

Investment brokerage under the liability and for the account of lemon.markets brokerage GmbH, Kottbusser Damm 79, D-10967 Berlin.