Treasury Management 2.0
Surplus cash, managed by written rules
We build a mix of debt instruments matched to when a company needs the money, and adjust it as markets change.
Approach
Three ideas behind Treasury 2.0
- 01
A wider range of instruments
Cash is spread across the range of debt instruments as markets change.
- 02
Positioning for rate cycles
Duration is adjusted as rates move.
- 03
Calibrated risk
Diversification contains risk while keeping yield.
What we offer
The fixed income range
- 01
Debt mutual funds
Chosen against our written rules.
- 02
Government and PSU bonds
Central and State government and PSU bonds.
- 03
Corporate fixed deposits
Rated issuers, with a minimum rating of AA.
- 04
Corporate bonds, NCDs and paper
With a minimum rating of A+.
- 05
Global fixed income funds
USD and SGD denominated.
Access to cash
Debt funds and short-term bank deposits
Debt fund returns are not guaranteed and vary with markets and credit. Peer-group return comparisons are available on request.
- 01
Withdrawing early
Select debt funds: no penalty where the exit load is nil. Bank fixed deposit: a penalty applies on premature withdrawal.
- 02
The typical penalty
Select debt funds: nil. Bank fixed deposit: 0.5% to 1.0%.
- 03
How the penalty works
A bank deposit is recalculated at the lower rate for the period completed.
What you receive
Five things
- 01
A qualified team
An experienced investment counsellor and product manager.
- 02
A customised allocation
Built around your risk appetite, investment horizon and liquidity needs.
- 03
A 24/7 view
Every transaction and holding, in the Merisis Wealth app on Google Play and the App Store.
- 04
Regular monitoring
We watch the portfolio and report on performance.
- 05
A dedicated relationship manager
For your queries and for execution support.
Questions we are often asked
Companies and promoters with surplus cash that is not needed for some months or longer.
No. Debt fund returns vary with markets and credit.
In the Merisis Wealth app, available on Google Play and the App Store, with a dedicated relationship manager for queries.
Next step
Get a clear view of where you stand
A 30-minute call with a Merisis advisor about your goals.
- A response within one business day
- One advisor who knows your situation
- AMFI registered distributor, ARN 220145