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For any business, managing surplus corporate cash is a critical aspect of maintaining financial health and driving growth. While keeping liquidity is essential to cover operating expenses and emergencies, holding too much cash in low-interest accounts can result in missed opportunities for generating higher returns. The challenge for corporate finance teams lies in finding the right balance between liquidity, security, and return on investment.

In this blog, we’ll explore several high-return corporate investment options and strategies that allow businesses to maximise returns on surplus cash while managing risk and maintaining flexibility. By identifying the best approaches for deploying excess capital, you can ensure that your company's resources are working as efficiently as possible.

The Autumn 2024 UK Budget, announced by the Labour Chancellor Rachel Reeves on October 30th 2024, presents a range of changes with significant implications for investors. For easyMoney’s investors, understanding how these adjustments could influence investment strategies, tax planning, and long-term financial goals is crucial. This budget introduces changes to capital gains tax, inheritance tax, interest rate expectations, and more, which could impact how investors structure their portfolios moving forward.

In this post, we break down the budget's most relevant aspects for easyMoney investors, focusing on tax-free savings options like Innovative Finance ISAs and IFISAs, and strategies to shield wealth from tax impacts.

A Small Self-Administered Scheme (SSAS) is a type of occupational pension scheme designed primarily for small businesses, typically with fewer than 12 members. One of its key advantages is the ability to offer businesses a way to invest corporate profits tax efficiently, while simultaneously providing the flexibility to support business growth. In this post, we’ll explore how a corporate SSAS can help you make money, grow your business, and plan for retirement.

Read our full post here.

When it comes to maximising your returns in a tax-efficient way, Innovative Finance ISAs (IFISAs) and peer-to-peer (P2P) lending are gaining increasing attention. IFISAs allow you to lend money through regulated P2P lending platforms, like easyMoney, while benefiting from tax-free returns. However, it is important to fully understand how these products work, including the risks involved.

Efficient cash management is crucial for businesses, whether for managing day-to-day expenses or future growth initiatives. While maintaining liquidity is important, leaving large amounts of cash in low-interest accounts could mean missing out on valuable opportunities for growth. Many companies are now exploring flexible investment options that offer higher returns without sacrificing access to funds when needed.

ISAs are a great way to save because of their tax-free status and everyone gets an individual allowance.

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04/11/2022

Investors may want to consider an Innovative Finance ISA (IFISA) for a greater return on investment,

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21/06/2022

For a greater return on investment, investors may want to consider an Innovative Finance ISA (IFISA).

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09/06/2022

The rule of 72 is a clever maths calculation which shows you exactly how much interest you’ll earn on any money you have stored away. It’s important as it helps you calculate how long you need to save to meet your savings goals.

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20/04/2022

Highlights of the Spring Statement 2022

For a greater return on investment, investors may want to consider an Innovative Finance ISA (IFISA).
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24/03/2022

With a regular account or an IF-ISA at easyMoney, for example, you could get a target rate from 3.08% to 8.00%.

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02/03/2022

The average person aged 55 and over has £20,028 in savings, according to the research from Raisin. By your 50s, stopping work may be on the horizon in the next 10-20 years. 

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02/03/2022

Discover if it's the best option for your financial needs and goals. Make informed choices for your money management.

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23/02/2022

When does the interest get paid to me? Once I have invested, when do I start earning interest? What levels of return can I expect? How do I become an Investor?

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16/02/2022

Discover how the pandemic has influenced young investors, as they venture into investment strategies beyond retirement planning. 

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25/01/2022

How much do you need to open a new ISA account, is £100 a good starting point for an IF-ISA, for example? Or do you need a bigger sum of money? 

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Experience the fintech revolution as the use of fintech apps soars. Discover easyMoney's latest app, designed to empower users with seamless financial management and investment opportunities.

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You can transfer existing ISAs to us. You can transfer either the full amount or part of any IFISA, Cash ISA or Stocks and Shares ISA.

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(Capital at risk - Past performance does not guarantee future results)

The taxman cometh – or does he?

Let’s talk about death and taxes. Not a cheerful subject, and although it’s a dreadful cliché, these two things really are the only certainties in life.

Whilst tax is part of our everyday experience and is an accepted reality, especially after our much-anticipated Budget statements, death is a little bit more taboo. Or so it seems. 

(Capital at risk - Past performance does not guarantee future results)

With just under three months to the ISA deadline, there is still some time to investigate the types of ISAs available, decide which kind suits you best, and find an appropriate supplier.

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As we hurtle towards a deadline at the end of April for making decisions about where to put your ISA ‘allowance’, people are starting to review their options.

Becoming an Instagram star is the go-to career choice for hipsters keen to share photos of food, fashion and travel.

Saving and investing isn’t just about earning interest or making money – having an easily accessible cash lump sum can help you cope with a whole multitude of unexpected events.

Lots of people talk about “making a budget” as a starter point to getting on top of your finances. But what does that actually mean?

Here’s how you can keep more of what you earn without breaking any rules.