Optimising a company's surplus cash

Investing a company's surplus cash online is an option adopted by a growing number of companies in the current 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 excess liquidity and stock market investments.
 

More than 10,000 investors already equipped

To boost their liquidity reserves by investing them 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 the current context of low or even negative interest rates, these solutions generate little or no interest. 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? Building up a portfolio of securities, as do nearly 30% of companies based in Geneva1 which already hold a deposit that they manage in house to make their investments grow at a lower cost. Thus, it is possible to benefit from an investment in shares of listed companies, bonds or other standard 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 taking control over your investments by managing your stock market orders directly, 24 hours a day, 7 days a week. Its advantages? Its ease of use, increased autonomy in managing stock market transactions, speed of execution and attractive pricing. Not to mention free, permanent and immediate access2 to financial information in French, German and English.
 

Invest online with a secure bank

The investment policy of Banque Cantonale de Genève advises investing excess liquidity only once reserves are well secured. The idea is not to touch the cash flow or the reserves and to take into account the risk and the necessary time involved in each investment in the stock market. To carry out securities transactions, all you have to do is activate the 1816 platform 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

1 BCGE Marketing Research, 2019
2 yourmoney.ch platform


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