Ladder Term Deposit
Our Ladder Term Deposit in detail
Maximise your returns with HSBC Innovation Banking Ladder Term Deposits: a flexible investment strategy that balances higher interest rates with regular access to funds for your business needs.
This solution is tailored for clients with surplus cash from funding rounds and strong financial forecasts. It offers a secure way to manage funds, maximising returns while matching cash burn from recent raises.
By blending short, medium, and long-term deposits, it balances instant access with higher interest rates. Reinvest maturing deposits to enhance returns while ensuring liquidity with regular maturities.
Overview
- Phased Investment Strategy: Enables clients to distribute deposits across multiple fixed terms, optimising cash flow and benefiting from higher interest rates.
- Enhanced Liquidity: Offers regular access to a portion of funds at set intervals, ensuring businesses can meet cash flow needs without compromising returns.
- Customisable Terms: Clients can select various term lengths to align with their financial goals and liquidity needs, providing investment flexibility.
- Ideal for Cash Management: Perfect for businesses aiming to maximise returns on surplus funds while retaining access to cash, supporting effective financial planning.
Key features
- Configurable structure of terms and tiers unique to your needs
- Choose between a single blended interest rate and multiple, individual rates
- Option to reinvest maturing term deposits, fully or partially, in a new term of your choice, to benefit from higher interest on longer terms
- Structured to support your cash flow forecast
- One application for multiple term deposits
- Available in GBP, EUR and USD
This account is not for you if you need immediate access to your cash. This is a restricted access account and your cash is not available until the maturity date.
T&Cs and other eligibility criteria apply
Key benefits
- You choose:
- terms of Ladder Term Deposits
- number of tranches
- blended or separate rates
- Ladder combines the benefit of liquidity and yield
- Maturing term deposit tranches can be reinvested if surplus to cash-flow needs
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