"Money Funds a Good Bet" Says Kiplinger's Ask Kim (Lankford). Money fund yields have been below 1%, and as high as 17%. But "[d]on't look for either extreme anytime soon," says the response to a reader question. Kiplinger's adds, "with long-term rates as low as they are, there is a lot more risk of rates rising (and bond prices falling) than there is of rates falling (and bonds appreciating).... So money-market funds make a lot of sense for cash you can't afford to lose."