In Practice: How advisers use Aberdeen Money Market MPS to help solve client challenges
Mark Hopcroft shares how we are seeing financial planners use our Money Market MPS to help meet client needs.
Duration: 3 Mins
Date: 09 Feb 2026
In January 2024, Aberdeen expanded its MPS offering with the launch of the Money Market MPS, designed to offer a robust and attractive alternative to traditional cash deposits.
Two years on, the proposition continue to offer a compelling tool within an adviser’s centralised investment proposition. Designed as a flexible and practical solution, the Money Market MPS can help advisers meet a wide range of client needs, circumstances and goals.
A flexible tool for a range of needs
Through partnerships with many advice firms, we’ve seen the Money Market MPS deployed in a number of client scenarios, demonstrating its versatility. Common use cases include:
- Retirement income strategies: Supporting part of pre- and post- retirement planning, helping to manage income drawdown.
- A short-term home: For clients awaiting reinvestment opportunities, offering a low-risk and efficient holding position.
- An alternative to fixed rate deposits via SIPP: For clients seeking flexibility without locking funds into long-term deposit structures, while maintaining a low-risk profile.
- Accessing low-risk returns: Designed to deliver a return that aims to exceed those of instant access bank accounts, while prioritising capital preservation.
- Phased market entry: Enables advisers to gradually move clients into risk assets while keeping unallocated funds working efficiently during the process.
- Corporate and charity reserves: Provides organisations with a professional, low-risk solution for managing short-term reserves with liquidity.
In an environment where clients increasingly demand flexibility and transparency, Aberdeen’s Money Market MPS offers a tool that can adapt to changing circumstances without compromising on risk management.
In summary
Aberdeen’s Money Market MPS provides as a valuable addition to advisers’ toolkits. Whether your clients are in drawdown or seeking short-term holding positions, it offers a professional, low-risk solution that works efficiently within a centralised investment proposition. In today's uncertain market environment, our Money Market MPS aims to provide stability, liquidity and simplicity.
Learn more about Aberdeen Money Market MPS
Alternatively, contact a member of the Aberdeen MPS team to find out more about how we can work with you.
Money Market MPS Objective
The portfolio’s objective is to preserve capital and provide liquidity whilst aiming to provide a return in line with prevailing short term money market rates (gross of fees), for which SONIA has been chosen as a performance comparator.
Risks
- Money Market Fund Risks: A Money Market Fund is not a guaranteed investment, and is different from an investment in deposits. The principal invested in these funds is capable of fluctuation and the risk of loss of the principal is to be borne by the investor. The underlying funds do not rely on external support for guaranteeing liquidity or stabilising their NAV per share.
- Interest Rate Risk: Fixed interest securities are particularly affected by trends in interest rates and inflation. If interest rates go up, the value of capital may fall, and vice versa. Inflation will also decrease the real value of capital.
- Credit Risk: Should the issuer of a fixed income security become unable to make income or capital payments, or their rating is downgraded, the value of that investment will fall. Fixed income securities that have a lower credit rating can pay a higher level of income and have an increased risk of default.
- EPM Techniques: Underlying funds may engage in EPM techniques including holdings of derivative instruments. Whilst intended to reduce risk, the use of these instruments may expose the Fund to increased price volatility.
- Counterparty Risk: The insolvency of any institutions providing services such as safekeeping of assets or acting as counterparty to derivatives or other instruments, may expose the Fund to financial loss.
- Inflation Risk: Where the income yield is lower than the rate of inflation, the real value of your investment will reduce over time.
Important Information
Past performance does not predict future returns. The value of investments, and the income from them, can go down as well as up and clients may get back less than the amount invested.
The views expressed in this article should not be construed as advice or an investment recommendation on how to construct a portfolio or whether to buy, retain or sell a particular investment. The information is being given only to those persons who have received this document directly from Aberdeen Portfolio Solutions Limited and must not be acted or relied upon by persons receiving a copy of this document other than directly from Aberdeen. No part of this document may be copied or duplicated in any form or by any means or redistributed without the written consent of Aberdeen. The information contained herein including any expressions of opinion or forecast have been obtained from or is based upon sources believed by us to be reliable but is not guaranteed as to the accuracy or completeness.
Any data contained herein which is attributed to a third party (“Third Party Data”) is the property of (a) third party supplier(s) (the “Owner”) and is licensed for use Aberdeen*. Third Party Data may not be copied or distributed. Third Party Data is provided “as is” and is not warranted to be accurate, complete or timely. To the extent permitted by applicable law, none of the Owner, Aberdeen* or any other third party (including any third party involved in providing and/or compiling Third Party Data) shall have any liability for Third Party Data or for any use made of Third Party Data. Neither the Owner nor any other third party sponsors, endorses or promotes the fund or product to which Third Party Data relates.
Aberdeen means the relevant member of Aberdeen group, being Aberdeen plc together with its subsidiaries, subsidiary undertakings and associated companies (whether direct or indirect) from time to time.
