We know that holding cash on deposit has done little to preserve wealth in real terms for much of the past decade & this theme is likely to continue for the foreseeable future.

Cash holdings have historically been overlooked as an asset class and are generally lower down the priority list, especially now as interest rates remain at record lows and inflation is on the rise.

We found this is due to client inertia, the paperwork involved in opening accounts and the manual process of managing the accounts on an ongoing basis or other areas of financial planning taking priority. However, even a small difference of 0.5% in interest rate can accumulate to over £2,500 in interest after 10 years on a balance of £50,000.

Cash Management in Retirement

If you are fully invested and taking an income from a portfolio or pension, and the markets crash, you will be forced to sell losses until markets recover. This is where cash management strategies can help. It may be wise to increase your cash position to a level where, perhaps, you reserve two years of income to pay your pension. This way, you can leave your invested assets undisturbed until such a time as the markets recover.

Active Cash Management

Opening multiple bank accounts to benefit from ever-changing rates is too time-consuming.

Our cash management portfolio service provides a simple, seamless process providing access to multiple cash deposits in a safe, secure manner. With a single cash portfolio account, you gain access to the whole savings market.

Our cash management portfolio service will improve return on your savings in a hassle-free uncomplicated & automated way.

We have helped individuals, companies, charities, trusts and local authorities.

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