A business needs a bank account for its day to day cash flow and for any emergencies that could happen. 

But does a business have any surplus cash in a bank account or money that they do not currently need for the day to day running of the business?

Most prudent organisations want to retain a healthy amount of capital within the business or charity to ensure a smooth cash flow, to act as security against unforeseen problems or bad debts and as available funds for future capital expenditure or strategic investments.

However, the current era of historically low interest rates mean that companies are struggling to obtain meaningful returns on cash deposits.

We agree a clear brief in terms of what risk, if any, a business is willing to take and on the timescale for any investment. This allows us to shape the appropriate strategy, potentially using a mix of fixed term deposits, structured investment products and funds or bonds.

Important Information: The value of your investments can go down as well as up, so you could get back less than you invested. The value of your income from your investment can go down as well as up. Tax advice which contains no investment element is not regulated by the Financial Conduct Authority.