What's the main difference between the asset classes Money Markets and Retail Deposit?

For us the main difference between these two asset classes is that one can have forecasted negative returns, whilst the other can have forecasted returns no lower than zero.

The Money Markets asset class can have negative returns whilst Retail Deposit will never go below zero.

This will have an impact if you are creating funds manually using Asset Classes, or creating Model Portfolios using Asset Classes or Manual funds and something that all users should be aware of.