If you have a lump sum of cash sitting in a checking or traditional savings account, you could be missing out on higher interest rates. Putting your money into a money market account or investing in a money market fund can be low-risk ways to get more from your money and hedge against inflation. However, though they have very similar names, money market accounts are very different from money market funds. In this breakdown of money market accounts vs. money market funds, learn how these savings vehicles differ in terms of returns, account minimums, benefits, and risks.