Putting the company's excess liquidity to work

Investing a company's surplus cash online is an option worth considering in a low interest rate environment. Choosing a safe, simple and cost-effective tool facilitates this approach for discerning entrepreneurs.

Business leaders or CFOs are careful not to let excess liquidity lie dormant and seek to optimise their investments. With the online trading platform 1816, integrated into Netbanking, BCGE offers businesses and self-employed clients alike direct and independent management of their excess liquidity and their stock market investments at particularly advantageous conditions.


More than 11,000 investors already equipped

To invest their liquidity reserves wisely, companies already have access to a range of traditional solutions such as cash accounts in CHF or foreign currencies, cash management solutions, term deposits, etc. However, in a context of low or even negative interest rates, these solutions generate little or no return.


So what alternatives do entrepreneurs turn to in order to make a profit on excess liquidity to be invested in the medium or long term? They can build up a portfolio of securities, as do nearly 30% of Geneva-based companies1, which already hold a custody account that they manage in-house to generate cost-saving profits with their investments. It is thus possible to take advantage of an investment in shares of listed companies, in bonds or in other moderate risk investment vehicles.


1816: four digits for a simple and cost-effective solution

Integrated into Netbanking and Mobile Netbanking, 1816 is a practical and advantageous online trading platform, which makes it possible to invest to generate either capital gains or regular returns. An optimal tool for managing your investments in real time, 24 hours a day, 7 days a week.


The advantages of the platform? Its ease of use, increased autonomy in managing stock market transactions, speed of execution and competitive pricing. Not to mention free and permanent access2 to financial information in French, German and English.


Invest online with a secure bank

The investment policy of Banque Cantonale de Genève recommends investing excess liquidity only once reserves are well secured. The idea is to invest only those reserves that are not required for operating activities and to take into account the risk and the necessary time involved in each investment in the stock market. To execute securities transactions, all you have to do is activate the platform 1816 free of charge.


BCGE advisers are available to support business leaders and CFOs in this process and for any questions relating to liquidity optimisation adapted to each situation for the self-employed, SMEs and large companies.


1Source: BCGE Marketing Research
2 Platform Yourmoney