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Creating a Cash Strategy

Your cash strategy should consist of three tiers, with each one having a specific objective:

Tier I: Immediate

Objective: Meets your immediate needs to pay bills and serve as your emergency cash fund.

Products to use: Focus on bank deposits and money market funds

Tier II: Enhanced Cash

Objective: Enhance returns to cash while maintaining liquidity

Products to use: Low duration bonds

Tier III: Return Driver

Objective: Grow cash balance over time

Products to use: Core bonds or actively managed bond funds

The allocation between each of these tiers will depend on several factors – including risk tolerance, goals and spending patterns.

We can help to analyze how much you need for each tier based on your needs. Contact us today if you’re interested in making your cash work harder.