Investing company assets

Answers to questions about investing excess liquidity

Why should I invest the excess liquidity in my company?

If your company has accumulated profits that are not needed and will not be taken as dividends, the company has a permanent surplus. The surplus can be retained and managed within the company as long as you conduct business. Instead of keeping the capital in the company's account or a savings account, there are more profitable alternatives with a higher expected return for the excess liquidity that you know you will not use.

I don't have the time to take manage investments, I'm busy running my business. Can it take care of itself?

Yes, with smart digital tools such as monthly savings, the saving can be managed automatically. You don't have to spend time on it every month, but it still gets done. The monthly savings can be distributed between the accounts and/or funds that you choose.

Nordea also offers different investments services, depending on how involved you want to be with your investments. 

How much should a business invest?

The amount your business should invest depends on many factors, such as your company's liquidity and goals for the future. 

• Always maintain sufficient funds for ongoing operational expenses.
• Avoid keeping excess cash in your accounts as this typically generates low returns.
• Start by evaluating your company's liquidity.
• If you already anticipate investments in the coming years, you can set your investment goals accordingly.
• A continuous saving and investment plan creates financial readiness for unexpected business opportunities.
• Having a financial buffer can allow you to act quickly when chances to grow your business arise.

Can I get help with how best to invest my company's excess liquidity?

Yes, with Nordea you get help with an investment strategy for your company. Our experienced savings advisors will help you set up plan and support you with the investments.

Get contacted by an advisor