Pooled funds taken from individuals used to invest in short-term money market instruments or government bonds. STIF have minimum investment requirements, bough or sold at any time, and are highly liquid. Maturity to these investments spans in 91 days or less. Examples of STIF include money market mutual funds and collective investment funds. STIF is an attractive option for investors looking for short-term profits and who want to fly in and out of the investment market.