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The Power Of
Cash Segmentation

PUT YOUR CASH TO WORK

The building blocks of liquidity management

We recognize cash is the lifeblood of an organization. Cash segmentation provides a framework to align liquidity needs and investment horizons while optimizing returns of your entire cash portfolio. The long-established practice of cash segmentation helps investors maximize their return potential while meeting their estimated near- and long-term cash needs. Cash segmentation is a simple concept with potential benefits for today’s investor.

From investment policy planning to execution, we pride ourselves on working with clients to create a cash segmentation strategy that seeks to maximize total return balanced with risk-adjusted returns and liquidity.

As a strategic partner, Dreyfus offers a broad spectrum of liquidity solutions to meet client-specific investment objectives and risk tolerances. We partner with clients to provide a holistic strategy for an overall portfolio based on three cash categories: Operating, Core and Strategic.

Operating

Characteristics

  • Purpose: Basic, daily cash flows
  • Liquidity: Daily
  • Investment Time Horizon: 1+ days
  • Objective: Same-day liquidity access / seeks principal preservation

Investment Solutions

  • Treasury
  • US Government
  • Short Term Investment Fund (STIF)

Core

Characteristics

  • Purpose: Specific cash target needs in the short- to medium-term
  • Liquidity: High
  • Investment Time Horizon: 3 to 9 months
  • Objective: Pursues higher yields with low price volatility

Investment Solutions

  • Prime
  • Municipal
  • Enhanced Cash SMA

Strategic

Characteristics

  • Purpose: Low volatility strategy with focus on total return
  • Liquidity: Moderate
  • Investment Time Horizon: 9+ months
  • Objective: Longer-duration portfolios that seek excess returns over operating & core strategies

Investment Solutions

  • Ultra-Short Government/Credit

 

Today’s yield environment requires an experienced, trusted liquidity solutions partner dedicated to maximizing total return. By combining Dreyfus’ specialized liquidity expertise with a full range of product solutions, we help investors improve return potential across their spectrum of cash pools—with a lower risk profile than might be expected.

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Investors should consider the investment objectives, risks, charges, and expenses of a fund carefully before investing. Download a prospectus, or a summary prospectus, if available, that contains this and other information about the fund, and read it carefully before investing.

All investments involve risk including the possible loss of principal.

A money market fund is not insured or guaranteed by the FDIC or any other government agency.  Although the fund seeks to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in a money market fund.

 

Dreyfus provides institutional investors and intermediaries with a variety of domestic and offshore money funds and short duration separate account strategies. Dreyfus is a division of Mellon Investments Corporation (MIC), a registered investment adviser and subsidiary of The Bank of New York Mellon Corporation. Securities are offered by BNY Mellon Securities Corporation (BNYMSC), a registered broker-dealer and affiliate of MIC. Certain offshore products are not available to US investors and are distributed by BNY Mellon entities licensed in the relevant jurisdictions. 

The information provided on this site is for informational purposes only and should not be construed as investment advice or a recommendation of any particular investment product, strategy, investment manager or account arrangement, and should not serve as a primary basis for investment decisions. Prospective investors should consult a legal, tax or financial professional in order to determine whether any investment product, strategy or service is appropriate for their particular circumstances. This information may not be used for the purpose of an offer or solicitation in any jurisdiction or in any circumstances in which such offer or solicitation is unlawful or not authorized.

Investment Products: Not FDIC-Insured | No Bank Guarantee | May Lose Value

BNY Mellon Securities Corporation, distributor, 240 Greenwich St., New York, NY 10286

© 2023 Mellon Investments Corporation

 

MIC-422193-2023-09-05