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It is typical to lag the market as interest rates change. This will lead to more predictability in <br />our interest earnings. <br />Our primary reserve account is our 4M Fund which is a money market account where many <br />cities pool their funds. It currently yields .1% with daily withdrawal privileges. The city <br />strives to maintain a strong diversification portfolio so liquidity and exposure risk are <br />reduced. <br />Attachments <br />■ Investment summary <br />