Investment based cash managementBetter returns on your company's cash through smart cash management
Make your company's money work for you, easily and quickly
Investment based cash management allocates your company's extra funds automatically to an investment that generates better return. The automatic feature ensures that your company's account will always have sufficient funds for ongoing costs too.
Convenient investment at risk level that suits your company
Investment based cash management guides you to choose an extensively diversified investment portfolio for your company's funds at a suitable risk level. More experienced investors may also pick more specialised funds for their portfolio.
Low investment costs
Investment based cash management is a free-of-charge service operating at op.fi. You will only pay the ongoing costs of the funds and their subscription and redemption fees.
Making cash funds grow without compromising on liquidity
When your company's accounts have funds for managing the daily finances for more than two months, it pays to make your cash grow through investment based cash management. The service ensures your company's liquidity and allows your company's funds to grow.
Your company's account will always has sufficient funds to cover ongoing costs thanks to the automatic feature. If the account balance is below the return limit, the service will automatically create redemption orders for funds and transfer the needed amount of the funds to the account. The redemption orders are activated at intervals of three days at most, counted from the payment date of the previous redemption.
Invest your company's cash in bond funds or index funds
In the investment based cash management, we provide a wide range of bond funds for your company's cash management with a moderate risk level as well as higher-risk index funds investing in the stock markets.
You can yourself determine the weighting between fixed-income and equity investments, on the basis of which the total risk level is formed. The service automatically creates fund subscription picked by you, respecting the allocation you have set.
Investments will be allocated in terms of time and quality
Investment based cash management automatically follows two investment principles – time and qualitative diversification.
Extra cash will automatically go to investments with better returns. Investments are made in smaller lots, which ensures efficient time diversification. The mutual funds available in the service invest their assets in different parts of the world and in different industries, which ensures high geographical and industry diversification.
It is up to you to decide your targeted return level for your company's assets. Do you want to safeguard your company's assets with fixed-income investments or do you want to seek higher returns from the stock markets?
Start investment based cash management
If your company is not yet OP's customer, call us at 0100 05151 and book an appointment with our expert.
If you are our customer already, you can access the service from the link below.
Bond funds suitable for cash management
Equity index funds
The service provider and OP Fund Management Company Ltd manage OP mutual funds.