Aberdeen Money Market MPS: Two years of supporting adviser needs
Aberdeen’s Mark Hopcroft explores why Money Market MPS remains vital for advisers managing client liquidity in uncertain markets.
Duration: 4 Mins
Date: 02 Feb 2026
Launched in January 2024, Aberdeen Money Market MPS was created to meet growing adviser demand for a low-risk, cash-like solution in client portfolios. Since its inception, the proposition has seen strong growth, reflecting confidence in its ability to deliver flexibility and stability in an evolving market.
As we reach the two-year milestone, it serves as an opportunity to reflect on the role Money Market MPS plays in helping advisers manage client cash effectively, while providing a solution that keeps advisers in control.
Cash management in a changing market
The past two years have been defined by rising and fluctuating interest rates, making cash management a strategic priority for advisers. Clients are increasingly seeking capital preservation and liquidity, particularly during periods of uncertainty.
Money market solutions offer a compelling answer:
Liquidity and low volatility, ensuring funds remain accessible.
A stable, short-term option that complements broader financial planning strategies.
A way to keep client cash working harder without compromising on risk management.
In today’s environment, these characteristics make Money Market MPS a key component of holistic financial planning.
Why Aberdeen’s Money Market MPS?
Aberdeen launched its Money Market MPS with a clear understanding of adviser needs: a solution that preserves capital, provides liquidity and delivers returns, all while helping advisers retain control and influence over client assets.
Our proposition is designed to support the advice process, offering:
Capital preservation and liquidity at the core of the strategy.
A compelling alternative to cash that helps advisers retain control and influence.
Flexible use cases to support a wide range of client needs, such as short-term liquidity, low-risk options, and pre- and post-retirement planning.
Improved operational efficiency, keeping cash on-platform to enhance oversight, retain adviser value and provide a more holistic view of client assets.
The backing of Aberdeen’s scale and expertise, underpinned by the depth of experience and investment capability.
Whether clients are looking to de-risk, manage short-term cash flows, or simply wait for the right investment opportunity, Aberdeen Money Market MPS offers a flexible and efficient way to keep their money working.
In summary
Two years on, Aberdeen Money Market MPS continues to offer a flexible solution for advisers navigating client liquidity need. As market conditions evolve, it remains a valuable tool for optimising cash management within client portfolios, aiming to provide stability, liquidity and simplicity.
Explore how Aberdeen’s Money Market MPS can help you deliver for your clients.
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.
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