With increased volatility across domestic and global markets, and the resurgence of cash, which has surged from near 0% to 5%, effective cash management has become a crucial component of a diversified portfolio.
The result has been a marked increase focus on cash allocations in investor portfolios, moving from near-zero allocation post-GFC, to now comprising 5-15% of portfolios, as investors seek shelter from downside risk across other assets, and use cash as a conduit into lucrative opportunities in offshore markets.
At FinClear, we are developing innovative solutions that transform these complexities into strategic advantages for investors and advisers, leveraging attractive, low-risk returns and essential liquidity for agile market responses.
The complexity behind cash
Navigating the 'dark art of cash' involves understanding the intricacies of cash management, include sourcing the best possible rates, tailoring liquidity requirements, and security. For advisers, actively managing cash rather than adopting a 'set and forget' approach is crucial to optimise returns, which can vary significantly. Managing cash in-house might involve additional costs and requires careful consideration of profitability.
Offshore cash management presents further challenges, as securing competitive rates and transaction certainty in international markets can be complex. At FinClear, we leverage our extensive network to enhance and streamline offshore cash operations, increasing potential returns significantly and providing strategic global financial opportunities.
FinClear's cash offering is designed to simplify the complexities of cash management, providing strategic, outsourced solutions that optimise returns and efficiency. For advisers seeking a hands-off approach while still realising the benefits of active cash management, we offer two options:
Transact1 is designed to address the challenges of cash management directly, Transact1 harnesses our deep market relationships, expertise and economies of scale to achieve better outcomes for clients than they can achieve independently.
By automating the process to source the best rates, we increase buying power and operational efficiency. We navigate the intricacies of bank negotiations to ensure our clients consistently receive top-tier rates
and terms. Our team also handles the administrative burden, from AML/KYC compliance to reinvestment and maturity tracking.
The FinClear Cash Income Fundoffers exceptional gross returns and total liquidity through a closely managed portfolio of term deposits. With low fees and no 30-day notice requirements, this fund provides seamless access to funds when needed. The transparency provided of the underlying term deposits is paramount to the security for the investor.
For advisers dealing with international markets, our global reach and expertise enables us to help competitive foreign exchange transactions and secure competitive rates worldwide, enhancing the
potential of your offshore cash reserves. In an era where every basis point counts, can you afford not to optimise your cash management?
With FinClear managing over A$150 billion for financial intermediaries, we are ideally placed to leverage our extensive capabilities and trusted market presence, to deliver superior cash management solutions that help advisers, and their clients optimise financial outcomes with minimal effort.
Join us at FinClear, where we turn complexity into opportunity, ensuring your cash works as hard as you do. Contact us today to learn how our groundbreaking solutions can benefit your portfolio.
