Do you have any personal investments?
If so, chances are you didn’t just stick your savings into the first account you came across and leave them there indefinitely. (Or if you did… you’ve probably had a quiet nagging feeling that you should be doing something more with them.)
Maybe you spoke to an adviser, or did your own research — but either way, you likely had a goal in mind.
A deposit for your child’s first flat.
A comfortable retirement.
A rainy-day fund in case life throws a spanner in the works.
Then you worked out where to put your money to help you get there — balancing risk, access, potential returns, and tax.
In other words, you made your money pull its weight.
But here’s the surprising thing: many business owners don’t do the same with their company cash.
It’s not unusual for businesses — and charities, too — to have significant reserves just sitting in a single savings account.
They’re often there for years – not reviewed, not optimised, just… parked.
It’s a risky approach. Only £85,000 per bank is protected by the FSCS — the rest is exposed if your bank were to collapse.
And in the meantime, your money’s probably not growing or supporting your business goals. It may even be losing value to inflation.
Why does this happen?
Mainly because it’s difficult to get visibility over all the options, so leaving your money in one place feels easier. And frankly, moving money around can be a very bureaucratic and time-consuming process. (Just opening one new business account can take weeks — sometimes months.)
That’s exactly why we’re rolling out a new cash management platform for our clients.
With one simple dashboard, you can view a wide range of investment options for your business cash — and filter them by what matters most to you, for example interest earned, ethical investment goals, risk levels, lock-in period and more.
Once we’ve explored your options together, we can help you move your cash to the most appropriate options. And if relevant, we can spread your cash across multiple investments — all through the platform. That means you can deposit into several banks, without having to apply to each one individually. (And we’ll handle the process for you anyway.)
It’s fast. It’s flexible. It’s secure.
And most importantly — it gives you greater control and visibility over how your cash is being managed.
While returns are never guaranteed, the platform makes it easier to access a range of options that could help your money work harder and reduce unnecessary risk.
Yes, there’s a fee for using the platform. But many business owners find that the benefits — whether financial, operational or strategic — make it well worth it.
Most business owners don’t even know this tool exists. We discovered it through our network — because we’re always on the lookout for the most up-to-date, practical tools to help our clients grow faster and become more profitable.
And when we work together, we’ll do the same for you.
To find out how we can help you manage your finances more effectively and professionally, please get in touch today. Simply email garry@insightassociates.co.uk or call us on 01279 647 447 to find out more about how we might be able to work together.
Warmly,
Garry
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