Why 4M? Safety. Service. Performance.

Safety. Service. Performance. These are the three guiding principles of the 4M Fund program and these are the reasons why the 4M Fund is a smart option for Minnesota public entities.   

On Safety…
As a Joint Powers registered with the State of Minnesota, the 4M Fund is an allowable investment option for local governments in Minnesota. Pursuant to Minnesota statutes, the 4M Fund is comprised of top-quality, highly rated investments. In addition to investing in only top-rated securities, the Fund's nationally recognized investment team employs an additional credit review process that can enhance the safety of important public dollars.

On Service…
Governed by the 4M Fund Board of Trustees, the 4M Fund is customized to meet the needs of Minnesota cities. Whether it is the online access system, the direct wiring of state aid, or the Fund's readily available finance and customer service team, the 4M Fund was designed by cities and for cities. Even in a changing environment, the 4M Fund is constantly evolving to meet the needs of today's busy finance officials. This is the level of service the Fund's Board expects and Minnesota communities deserve. 

On Performance…
As a pooled asset fund, the 4M Fund seeks to maintain a competitive yield through large-scale, cooperative purchasing of investments specifically for Minnesota cities, commissions, and city-related public organizations. With budgets strained, mayors, city councilmembers, and staff are looking for ways to enhance investment yields. Using a pooled asset fund—and with exemplary investment management such as the 4M Fund—your investments have a unique opportunity. The cooperative catchwords might be new, but the philosophy is time-tested for success.     

4M Fund Features At-A-Glance

  • Governed by the 4M Fund Board of Trustees, who also serve as the League of Minnesota Cities Board of Directors
  • Full online access—including transactions and reporting
  • Multiple transaction and reporting options
  • Rates quoted net of all expenses
  • Direct wire of State Aid and other revenue sources
  • Free or low-cost checking account services for most cities
  • No minimum balances/deposits/withdrawal limitations
  • Unlimited sub-accounts
  • Wide range of fixed rate investment options
  • Dedicated customer service team
  • Arbitrage tracking and reporting for Bond Proceeds

Feel free to click on the link below for information on how to become a member of the 4M Fund.

Join the Fund

The 4M Liquid Asset Fund and 4M PLUS Fund (the “Funds”), as well as the Term Series Fund (Term Series), seek to maintain a net asset value of $1.00 per share. However, an investment in either Fund is neither insured nor guaranteed by the U.S. government and there is no assurance that the Funds will be able to maintain a stable net asset value of $1.00 per share. The 4M Limited Term Duration Fund (LTD Fund) seeks to provide current income while maintaining limited price volatility. The LTD Fund has a floating net asset value, and the net asset value of a Participant’s investment could decline below the amount originally invested by the Participant. You should consider the applicable Fund's investment objectives, risks, charges and expenses detailed in the Information Statement before you invest.