Your runway is good, but does not meet VC standards.
Your runway is good, but has opportunity to be increased to ensure you have time and funds to give yourself a greater opportunity of success. Most VCs currently reccommend 2 years of runway.
Runway
You may need to extend your runway.
Putting cash into idle opportunities may not be right for you at this time. Consider fundraising to increase your runway.
Market Rate Research
You are researching rates regularly.
Good work! Regular rate shopping (at least once every six months) helps ensure you're getting the most return on idle cash.
Market Rate Research
You aren't paying any management fees. Nice work.
The less you pay in fees, the more money you have to grow your company.
Market Rate Research
You are already using smart automations and rules.
That's great to hear. Now is a good time to check your workflow and see if additional automations or rules could put your cash movement on autopilot, freeing your finance team up for more strategic problem-solving elsewhere.
Market Rate Research
Research rates more regularly.
Regularly auditing your high yield instruments and their rates ensures that you are earning competitive rates and doing the most with your idle cash.
Market Rate Research
Explore options with no management fees.
Depending on your company's particular needs, you may benefit from dedicated fund management. Explore yield sources and platforms with no fees to maximize your idle cash impact.
Market Rate Research
Streamline your accounts with automations and rules.
Automations can unlock easy earnings opportunities without hands-on management. Consider automating your money movement with target balance rules or other automations.
Cash on Hand Contribution
Your cash on hand is working for you!
You are generating meaningful returns with your cash on hand. Great work!
Cash on Hand Contribution
You may be underfunding your treasury.
Your yield accounts and operating accounts are funded adequately to produce notable yields but you still might consider reviewing your treasury funding—there could be room for improvement.
Cash on Hand Contribution
You are not utilizing your cash on hand.
Your yield accounts appear to be under-funded respective to your total cash on hand. Treasury experts recommend keeping no greater than 3 months of operating capital in an open account.
Grading Yield Instrument Selection
Liquidity
Consider diversifying with more liquid investments.
Your portfolio is predominantly made up of fixed term yield instruments. You may consider adding some open term assets to your portfolio to ensure you retain fund liquidity.
Liquidity
Your treasury is balanced in terms of liquidity.
Your treasury is balanced and has a solid mixture of short and long term yield options. Nice work!
Liquidity
Your treasury has liquidity diversity.
Your treasury is balanced and has a solid mixture of short and long term yield options. Nice work!
Liquidity
Your portfolio is semi-liquid, but may need to adjust based on your runway.
Your treasury has diversifcation, but your runway may require you to favor more liquid investments.
Diversity
Consider investing idle capital.
Like consumers, businesses should, when possible, utilize high yield instruments to hedge against inflation or make cash go further.
Diversity
Your portfolio may benefit from greater diversity.
Consider diversifying of your portfolio to include a mix of open term and fixed assets to generate the greatest return relative to your risk profile
Diversity
Your portfolio may benefit from higher yielding opportunities.
Consider diversifying your portfolio to include greater yielding options such as bonds, CDs, or digital asset powered yields.
Diversity
Your portfolio is diverse!
You have built a diverse portfolio. Nice work!
Yield Performance
Your treasury earnings are competitive.
Good job!
Yield Performance
Your portfolio may be leaving earnings potential on the table.
While you do currently utilize high yields accounts, consider adding other higher yield options to your portfolio to improve performance.
Yield Performance
Your portfolio may be underperforming.
You are likely leaving earnings on the table. Strongly consider adding at least one high yield instrument to your treasury strategy.
