Tactical liquidity that serves your holistic wealth strategy

For many individuals and families, wealth often comes with complexity. In managing your portfolio holistically, you may be dealing with assets including businesses, private equity, real estate, collectibles and other illiquid holdings. These may all provide revenue streams and significant long-term value, however, without a well-structured liquidity strategy, even substantial wealth can become restrictive. Liquidity planning is therefore a cornerstone of sophisticated wealth management, enabling flexibility, resilience and opportunities across generations, smoothing out irregular incomes and allowing you to plan ahead.

Ultimately, your liquidity strategy should ensure that your wealth remains functional, aligning asset structures with lifestyle requirements, business obligations and long-term goals.

There are many potential benefits to thinking strategically. This may involve using deposits to manage the different timeframes you have for your wealth or taking a timely loan out against your investments, allowing you to keep your wealth working while meeting your needs.

Supporting lifestyle and capital commitments

Life moments could include philanthropic commitments, family governance expenses, generational wealth transfers, weddings, home purchases or something potentially completely unforeseen. These circumstances can all disrupt cash allocations if not properly accounted for within a liquidity strategy. Knowing how and when you’re able to draw on liquidity may provide contingency for anything unpredictable and allow you and your family to confidently plan for your lifestyle and collective goals.

Predictable expenditure

Liquidity can be crucial in ensuring all your scheduled payments are accounted for – you may wish to allocate cash to deposit accounts, ensuring your wealth is earning interest before it is needed to pay down expenditure such as a tax bill, school fees or completion on a property.

Inheritance and estate planning

Proactive liquidity planning supports smoother wealth transitions, preserves family harmony and provides the opportunity to achieve your legacy objectives without compromising core assets. This can enable you to plan for inheritance or for gifting money to the next generation. Where you know your estate will be subject to tax, a liquidity strategy can encompass these fiscal needs while giving your family the ability to discuss other options – such as gifting – in good time. Knowing your liquidity options could also help when drafting your will, helping manage your legacy in a timely manner that could mitigate the stress points that can come with transferring wealth. 

Having access to capital at the right time under the right terms is at the heart of any successful liquidity strategy. We have adapted our liquidity solutions to support our clients’ individual strategies for over three centuries. Today, we offer bespoke rates over respective time periods and in multiple currencies. Below we detail how our services could help you and your family.

Investment backed lending

Investment backed lending could provide access to liquidity swiftly by taking a loan out against the investments you hold with Coutts. This enables you to stay invested, leaving your wealth to potentially grow over the long term – avoiding any need to sell out, or then re-enter markets, at inopportune moments. Clients could benefit from competitive rates and fast access to liquidity that could be in their account the day it is requested, allowing them to meet their shorter-term liquidity needs and precluding the need to sacrifice their long-term investment goals.

Explore your investment backed lending options

Like any form of borrowing, it is important to be aware of the risks versus the returns and of what else is available. Investment backed lending is just one option.

Allocating to deposits

A bonus, an asset sale or an accumulation of cash over time may mean you’ve built up a significant amount of capital. However, it’s likely that in time you’ll have specific expenditure requirements ahead such as a large purchase you’ve planning for. By allocating your money to a deposit account you can continue earning interest, while giving you the freedom to access your wealth when you needed.

A further benefit to strategising with deposits is the clarity it can give your wealth as you rebalance around your goals and life road map. You can plan to build up a strategic reserve of capital, ready to deploy should a unique opportunity such as dream property or investment venture arise. Simultaneously, you could allocate to shorter timeframe deposits, timed to be drawn down when scheduled expenditure is due.

This strategy should then ensure you’re able to assess your life goals, knowing how much you can put into investments to potentially grow your wealth at a risk level you are comfortable with.

For Coutts clients, your Private Banker is on hand to discuss and evolve your strategy, meeting your goals today and adapting for what the future might bring.

Liquidity that earns

Eligibility criteria: you'll need to be 18 or older and have a Coutts Current Account. For fixed term accounts you will not be able to withdraw your money until the term has passed.

Private Notice Accounts allow you put money aside for extended periods, earning interest, while still providing access through a defined notice period – 35, 60 or 95 days. This structure offers a balance between liquidity and disciplined saving with returns.

Discover our Private Notice Accounts

Private Notice Account Summary Box

Coutts Private Reserve Accounts provide you with instant access to a deposit that is earning interest, ensuring your wealth continues to work while giving you complete liquidity should you need it.

Discover our Private Reserve Accounts

With our Fixed Term accounts, you could set money aside for a previously defined period and at a set, non-variable rate.

You can also maintain a set balance in both your Current Account and your Private Reserve Account by setting up an automatic transfer top up between them to ensure you’ll always have a set minimum to hand while any excess is earning interest.

How our deposit accounts could support your liquidity strategy

• Strategise your wealth around your known expenditure dates.
• You have full digital access via the Coutts app and online banking, enabling seamless transfers and account management.
• We offer bank transfers via open banking for large amounts, allowing you to unite your portfolio under your Coutts umbrella.
• Our three different notice periods are tailored to liquidity needs and your timeframes.
• We provide tiered pricing across all deposit levels, with enhanced rates available for balances exceeding £10 million.
• If dealing with international exposures, our Private Reserve account offers multi-currency flexibility – available in sterling, euros and US dollars.

For Coutts clients, your private banker is on hand to discuss your liquidity strategy today.