Custom strategies built to help you manage cash along the spectrum of liquidity needs.

When it comes to your cash, one size simply does not fit all.  Understanding how to categorize your cash to align with your risk, return and liquidity needs and expectations can drive an effective investment strategy.

Northern Trust liquidity strategies manage cash along the liquidity spectrum of investor needs — from operational to reserve to longer-term, strategic uses of cash. Our deep global expertise in rates, credit and risk management — together with our global scale — can help clients navigate changing economic landscapes.

• Capital Preservation – comprehensive risk controls, a consistent and robust investment approach, and an extensive credit review process are fundamental to our investment strategy.
• Liquidity Management – the size and scale of Northern Trust Global Investments allows for comprehensive liquidity management.
• Competitive Yield - seeks maximum current income while preserving capital and liquidity.

• Government liquidity funds – designed for investors with a short-term investment horizon seeking the security of exposure only to highly rated governments. These funds are targeted to provide you with returns consistent with short-term government interest rates whilst maintaining a high level of liquidity.
• Prime Money Market funds – developed as a solution for investors who have a short-term investment horizon and uncertain liquidity requirements. Available in USD, EUR and GBP the funds provide capital preservation, daily liquidity and a return commensurate with the underlying market.
• Ultra-Short funds – for investors interested in maximizing income while maintaining reasonable liquidity, our ultra-short strategies invest in high quality, liquid investments with durations ranging from overnight to five years.
• Tailored solutions – created hand-in-hand with you, to respond to your individual investment requirements or longer-term cash objectives.

With maturities from one day to 18 months, our solutions seek to maximize returns across the liquidity spectrum.