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What’s the tax rate on dividends from money market mutual funds?

I’m trying to figure out whether to put some liquid savings in an on-line savings account on which, based on my understanding, the interest is taxable at the marginal income tax rate …. OR in a money market mutual fund which pays dividends … what’s the tax rate applicable on these dividends?

Interest you earn in a savings account is taxed as ordinary income. This means it is taxed the same as your wages.

Dividends from a money market mutual fund are considered dividends, not interest. Dividends get a preferential tax treatment. The maximum rate for dividends is 15%.

So, if you are in the 15% tax bracket or less, there is little or no difference. If you are in a bracket higher than 15%, you will pay less income tax by putting your money into a money market mutual fund.

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