Are You Making the Most of Your Cash? A Mid-Year Liquidity Checkup

As summer sets in, many public sector organizations and individual investors with significant cash reserves, are holding onto capital from grants, capital projects, or portfolio income. Whether you manage institutional funds or personal wealth, one key question arises:

Is your cash working as hard as it could be?

For many institutions, the answer is: not quite. With interest rates still offering attractive returns and economic uncertainty on the horizon, July is a timely moment to reassess your investment strategy. A mid-year liquidity checkup can help you enhance returns, preserve capital, and take a more strategic approach to managing public funds.

Why Now Is the Right Time

• Summer offers a natural window for financial planning

• Budget season is fast approaching

• Cash positions are clearer after two full quarters

• Securing rates now can help hedge against future market volatility

At the Cash Management Group, we work closely with public sector organizations to optimize investment strategies, ensuring funds are positioned for both safety and performance in the second half of the year.

Your Mid-Year Liquidity Checklist

Use this five-step framework to evaluate your cash position and investment approach:

1. Review Cash Balances
   Differentiate between short-term operating funds and idle capital. Consider your cash needs over the next 30, 60, and 90 days to determine what can be invested longer-term.

2. Forecast Future Cash Flows
   Anticipate upcoming inflows and expenditures to ensure sufficient liquidity for operations and planned projects.

3. Reassess Your GIC Strategy
   Evaluate existing maturities and your ladder structure. Even small adjustments can improve yield and flexibility.

4. Ensure Policy Alignment
   Confirm that your investments meet internal policy requirements and comply with applicable regulations, including the Municipal Act.

5. Consult an Advisor
   A GIC specialist can provide access to preferred rates, help navigate compliance, and structure your investments effectively.

Book Your Mid-Year Liquidity Review

We are offering complimentary liquidity reviews until July 31. In a quick 15-minute consultation, we can help you:

• Identify idle or underutilized funds

• Build or refine a GIC ladder

• Align your investments with your policy and cash flow needs

Book your review here:
https://calendly.com/cashgroup-cgf

For a more detailed understanding or to address any specific inquiries, feel free to reach out to us at 604-643-0101 or cashgroup@cgf.com.