Two years have passed since starting to invest in U.S. stocks, and during this time, the importance of fund management has become very clear. In particular, the distinction between Money Market ETF and foreign currency deposits feels essential for efficient fund management.
From personal experience, Money Market ETF is likely to offer more attractive returns than foreign currency deposits. However, this also comes with slightly higher risks. Depending on investment goals, acceptable risks, and investment duration, the choice between the two varies.
For example, when I want to temporarily Pool Corp funds for the next Trade, I often use the safer foreign currency deposits. However, when considering mid-term operations lasting several months or more, I sometimes choose Money Market ETF which can offer slightly higher yields.
In fact, I use both. Part of the funds for trading is safely stored in foreign currency deposits to be readily available. Meanwhile, surplus funds that are not intended for use for a while are managed with Money Market ETF to try to increase the yield even slightly.
What I have learned over the past two years is the importance of being flexible and adapting to the situation instead of sticking to one method. By effectively combining foreign currency-denominated Money Market ETFs with foreign currency deposits, it is possible to minimize risk while aiming for the best returns.

In my case, I typically allocate about 15-25% of my portfolio to foreign currency-denominated Money Market ETF. However, this ratio is adjusted based on market conditions and individual investment policies.
I believe that foreign currency-denominated Money Market ETF is a very useful tool for investing in U.S. stocks, as it allows for holding U.S. dollar-denominated Assets while keeping risks in check. I am confident that proper utilization can lead to more stable and efficient portfolio management.