This fund at a minimum invests 80% of the assets in debt issued directly by the government in the form of Treasury bills, notes or bonds (including inflation-protected securities) and may invest in other securities including, but not limited to, debt issued by federal agencies that are sponsored, guaranteed, or owned by the federal government. A key risk of the fund is the fact that changes in interest rates can eventually lead to a decrease in income for the fund. Although short-term bond funds historically tend to have higher yields than money market funds, unlike money market funds, their share price fluctuates. Investors with short-term savings goals who are willing to accept some price movement may wish to consider this fund.