Effec ve Cash Management

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1 Fast and Effec ve Cash Management for Our Clients Effec ve Cash Management

2 Maximising the Value of Cash Everybody needs cash and everybody has cash. absolute sense to maximise its value. It makes To maximise the value of your cash you only have to do the following: 1. Maximise the rate of interest earned 2. Protect the savings with the FSCS 3. Only keep the money required for access over the next 12 months on instant access 4. Build a por olio of high interest bearing deposit accounts with any amount remaining The worst thing to do is to leave money in a dormant instant access account as this will destroy value and provide guaranteed loss in real value (see chart on next page). Cash that should be managed to maximise value: Personal deposits Cash ISAs Junior Cash ISAs Business deposits Trustee deposits Charity deposits Power of A orney deposits Court of Protec on deposits Pension deposits Do not underes mate the value of effec vely managed cash deposit accounts

3 The Performance of; Effec vely Managed Cash The performance of Effec vely Managed Cash will make a significant difference to the value of your wealth. The 20 year performance chart clearly shows: 1. The fluctua ng performance of the FTSE 100 index. 2. The fluctua ng performance of the Pruden al Managed Growth mixed asset fund. 3. The under-performing dormant instant access account. 4. The consistent performance of an effec vely managed cash por olio. We can now provide our clients with instant gra fica on by maximising the value of their cash deposits to underpin any regulated investment por olio they hold. The performance of properly managed cash makes a significant difference

4 The Personal Value of; Effec ve Cash Management Never under-es mate the value you can obtain from your cash deposits. Whether you hold cash deposits as an individual, a business, a Trust, Charity or a Pension, you can manage the money to maximise its value. The following principles should always apply to the management of cash: 1. Maximise the rate of interest obtained on every penny. 2. Maximise the level of FSCS protec on on every penny. 3. Only keep on instant access the amount of money required to cover the next 12 months. 4. Build a por olio of fixed term deposit accounts with the remaining balance. 4 Key savings principles to maximsie your wealth

5 The NEW Personal Savings Allowance Understanding what you need from your savings to maximise the value of the NEW Personal Savings Allowance. The NEW Personal Savings Allownace will allow Basic Rate Taxpayers to earn 1,000 interest per annum before paying tax, and Higher Rate Taxpayers to earn 500 per annum. The value of this allowance could be meaningless if money is not managed properly. The message is simply: Use it or lose it! Our cash management servicce will make sure you Use It by maximising the value of all of your savings. A NEW tax benefit coming to hel you maximsie the value of your savings

6 How to Structure Your Savings Work your savings with the best savings accounts to maximise its value. Following the simple steps laid out below will maximise the value of your savings: 1. Work out how much you need for spending commitments over the next 12 months. 2. Place this money in the best instant access savings accounts. 3. WIth any balance remaining, build a por olio of fixed rate deposit accounts star ng. Structuring your savings in this way ensures: 1. You will always have access to capital. 2. You are never more than 12 months away from a maturing fixed rate deposit account maturing. 3. Your money is ge ng the highest rates of interest from all accounts. However, ul mately, the size and shape of the por olio will depend en rely upon your personal circumstances and preferences. Take greater control to maximise your value

7 Next Steps Managing your cash is much easier than you can ever imagine with our system, support, service and exper se. We will provide with clear wri en evidence of the amount of interest you could be earning from your savings. We will provide you with a cash management report before you make any decisions. We then help you to implement your best cash management solu on so that you can maximise the value of your savings for as long as possible in the way the best suits your requirments. For further information: Go To: jon.willis2@btinternet.com Telephone: No risk No liability

8 Powered by TCPDF ( Future Start Independent Financial Planning Ltd 54 Clarendon Road Watford Hertfordshire WD17 1DU The Effec ve Management of Cash is not regulated by the FCA