Competitive term deposit solutions for surplus liquidity
At Exclusive Partners, we support institutions and corporates in identifying and accessing competitive term deposit opportunities aligned with their liquidity requirements, investment horizon and treasury constraints.
Term deposits
Term deposits provide institutions and corporates with an efficient way to invest surplus liquidity under predefined maturity, rate and liquidity terms. They can be structured across a broad range of tenors to match the investor’s liquidity profile, return objectives and treasury policy.
Cancellable deposits and structures with predefined break provisions can provide access to liquidity before final maturity. Where the effective maturity is 90 days or less, these features may also support cash-equivalent classification, subject to the applicable accounting framework.
- Fixed-rate term deposits allow investors to lock in an attractive rate and secure a predictable return over the investment period.
- Floating-rate term deposits combine a reference rate with a contractual spread, allowing investors to benefit from rising benchmark rates while preserving the agreed margin.
Both deposit structures offer a low-risk solution for surplus liquidity, with the choice determined by the investor’s market outlook, liquidity needs and investment horizon.
Beyond term deposits, Exclusive Partners can help you identify complementary solutions to deploy surplus liquidity more effectively and optimise your broader treasury investment strategy.
A tailored approach to surplus liquidity
Our team of more than 35 specialists combines expertise with access to a broad network of leading international financial institutions to source and evaluate short-dated and cash-equivalent fund opportunities for corporate and institutional clients.
Define your investment parameters
We assess your liquidity needs, investment horizon, treasury constraints and return objectives to establish the parameters for your investment.
Identify the right opportunities
As an investment services provider with no bank or insurer in our shareholder base, we compare funds across multiple issuers and counterparties, selecting opportunities on their merits and their fit with your requirements.
Stay supported throughout the investment
Our involvement continues beyond selection, with ongoing monitoring, reporting and recommendations throughout the investment lifecycle.
Why choose Exclusive Partners to invest your surplus liquidity?
Exclusive Partners combines broad market access, objective product selection and specialist expertise to identify competitive solutions for your strategic liquidity.
Access solutions designed to preserve flexibility, with many funds offering redemption within 72 hours and without early-withdrawal penalties.
Draw on 16 years of market experience and established relationships with leading financial institutions to identify attractive solutions across the market.
We assess opportunities across multiple issuers and product providers and recommend solutions based on their merits and alignment with your requirements and investment framework.
Work with experienced financial professionals who understand local and international markets and closely monitor evolving market conditions.
Explore solutions for your surplus liquidity
Speak with one of our advisers to explore the investment opportunities best suited to your organisation’s liquidity profile and investment priorities.
Frequently Asked Questions
Term deposits provide a low-risk and flexible way to invest surplus liquidity under predefined rate, maturity and liquidity conditions. They can offer certainty of return through a fixed-rate, or exposure to changes in market rates through a floating-rate structure. A broad choice of maturities and liquidity features also allows each deposit to be tailored to the investor’s requirements.
Exclusive Partners assesses your liquidity needs, investment horizon and treasury policy before identifying and structuring suitable opportunities across a broad range of banking counterparties. Our specialists provide independent advice and support throughout the investment process.
Term deposits can be structured across a broad range of maturities, from short-dated placements to longer-term investments. The appropriate tenor depends on the investor’s liquidity profile, objectives and treasury constraints.
Depending on the structure, full or partial access to funds may be available before final maturity through predefined break provisions and notice periods. The applicable conditions are agreed at the outset and may include penalties.
A fixed-rate term deposit allows investors to lock in an agreed interest rate for the full investment period, providing certainty over the return at maturity. A floating-rate term deposit pays interest based on a reference rate plus an agreed spread, allowing returns to adjust as the underlying benchmark evolves.
Yes. As an ACPR-regulated investment advisory firm with EU passporting rights, Exclusive Partners provides investment services to corporate and institutional clients across multiple jurisdictions.
Term deposits are suitable for corporates and institutions seeking to invest surplus liquidity through a low-risk solution aligned with their liquidity needs, investment horizon and treasury policy.
