Clients

Many people lack the time in their busy schedules to be able to comprehensively search the UK market for all sterling rates checking for both availability and eligibility. Our team of experts tracks all rates and the unique idiosyncrasies of each account and provider on a daily basis on your behalf. This unique, independent and whole-of-market dataset makes accessing the best accounts for you a time efficient and streamlined process.

Deciding to implement greater protection onto a cash portfolio by spreading it across different banking licenses is a sensible and logical call to make, but then navigating the account opening of multiple accounts across different providers can be a tricky and time-consuming process for you. Our team works closely with each provider to streamline account opening on your behalf. Once you have completed a simple client profile with us, our team will then use this information to pre-populate all forms so that gaining protection becomes a lot easier to achieve. Our ongoing monitoring then keeps administration requirements light for you as we liaise with providers where possible, providing regular holdings reports and notifications for rate drops, better rate opportunities and approaching maturities.

Many people sit with their cash in one account with one institution. This cash is then exposed to the risk of: a) the collapse of the institution; b) the collapse of the banking system; c) inflation. While no one can mitigate for the collapse of the banking system or for inflation, good practice would recommend for you to mitigate for the collapse of an institution. We have seen this happen in recent history and while some argue that some well-known institutions may be “too big to fail”, there is no evidence to support the view that the government would enter into a bailout arrangement in the future. Prudence therefore dictates that you and your adviser pay careful consideration to diversify manageable risk. Cascade helps you to structure your cash across however many institutions you feel comfortable with, with the option to obtain full FSCS coverage too, where applicable.

High volatility has become a consistent feature of recent markets. Where markets are uncertain, our clients have become conservative, fearful of losses. In these times, safe havens such as cash become a place of refuge. Cascade supports you in accessing this safe haven for as long as you feel is right for you.

A historically low base rate married to the begrudging acceptance of minimal rates by most savers has driven the current cash rates to amongst the lowest on record. The reduction in cash rates in the post-credit crunch environment has particularly hit savers hard. At the same time, the vast majority of clients currently under exploit the potential of cash as an asset class. Generating a return through staying on top of the best live rates is time consuming, inefficient and inconvenient when done on an individual basis for private clients, corporate's and charities alike. To maximise returns, a cost-efficient, convenient and effective service is required. Cascade provides exactly that through offering a professional and genuinely bespoke solution for your needs.