Cash holdings generally fall into one of three categories:
- Operating
- Reserve
- Strategic
Guiding your liquidity journey
With insights into your complete banking relationship, the Deposit & Liquidity Solutions team can help you skillfully preserve your company’s liquidity position while maximizing deposit growth, even in a volatile interest rate environment. Our experts can advise you on how to seamlessly integrate the latest liquidity solutions into your overall corporate finance strategy.
Fine-tuning the balance
Successful deposits and liquidity solutions strategies benefit from a thoughtful and consistent approach. In most cases, this begins with the development of a Liquidity Investment Policy Statement, a living document that guides the adjustment of your balance sheet, as well as the limits of your company’s risk tolerance. You and your banker can use it to identify deposit and liquidity solutions that are right for your company.
Preserving capital
Deposit and liquidity investments aim to preserve the principal value of the invested funds while generating a reasonable market return.
Generating income
Determine appropriate allocation of investments to generate market-based interest income while preserving capital.
Mitigating risk
By diversifying cash across different instruments, we help mitigate risks associated with concentration and counterparty risk as well as economic and interest rate volatility.
Your Synovus banker is dedicated to regularly reviewing your investment strategy and adapting it as needed to changing market conditions and cash flow requirements.
Find the right approach for you
These categories vary by duration, which changes according to the
intended use of the cash. Your banker can bring together experts to
help you better understand your options, including sweep accounts,
fixed-income securities, CDs, and both interest-bearing and FDICinsured
deposit products.
Today’s deposit services landscape offers an extensive array of liquidity solutions, making it essential to have a banking partner you can trust. Count on Synovus bankers to guide you through the latest solutions for deposit products, CDs, sweep accounts and investment products. Our experts are committed to delivering strategies aligned with your investment policy statement, no matter the interest rate environment.
Once your banker has helped you determine your company’s tolerance for risk, fiduciary money managers from Synovus Trust can customize accounts based on that tolerance. We offer customized portfolios that can provide a mix of government debt obligations and investment-grade corporate debt.
From managing cash flow to increasing yield, our team can bring together the solutions you need to generate income, preserve capital and optimize returns on assets, including:
- Asset-backed and mortgage-backed securities
- Callable and non-callable agency securities
- Corporate and municipal bonds
- CDs
- Repurchase agreements
- Treasury bills and notes
Our fixed income sales and trading desk has the experience and access to design and implement customized fixed income strategies that align with your company’s risk profile.
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