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Special Report

Cash Management - August 2012

Published by Money Management | Aug 31, 2012

While the adage is that cash is king, few advisers spend time looking at this aspect of their client portfolio. With the onset of the RDR and more of a focus on holistic financial planning, is this about to change?

Returns on cash are historically low, thanks to a rock-bottom Bank of England base rate, while inflation is sky high. This creates a perfect storm for those looking for returns on the most liquid of assets – cash.

However, given returns are so low, are there margins in cash for advisers to make returns by maximising client’s cash? And with all the work needed to hunt around for the best rates from the wide range of providers, will this see returns?

Some argue that with more advisers adopting a full financial planning route, the cost of this research time will just become a part of the process, with no explicit charge attached. Others argue that technology is key, with platforms adopting more cash options and so making the cost of research and execution far cheaper.

This special report looks at all these aspects, in addition to covering a webinar discussing all aspects of cash, and whether it really is king.

IN THIS REPORT
  1. Let’s talk about money

    Cash is often overlooked by advisers as an asset class, with both returns and interest from clients low, but as the onset of RDR brings more...

  2. Cash management: Back to basics

    As the RDR promises to change the way financial advice is delivered, handling clients’ banking and savings needs may become an essential service...

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