Making your cash work harder
Whether you invest in municipal bonds or taxable bonds, today’s higher rate environment means investors can make their money work harder.
Learn MoreInstitutional strategy for individual investors
Think of cash segmentation as asset allocation for your cash, a strategy that sophisticated institutions use to separate cash balances by investment horizon and liquidity needs. The same approach can help individual investors increase income potential while ensuring the primary objective of their cash holdings—stability—is appropriately maintained.
Day-to-day needs
0-3 months horizon
These funds invest in high-quality securities, offer daily liquidity, and have a weighted average maturity of 60 days or less. Prime funds invest in corporate debt while government funds invest in treasury and agency debt. Government and retail funds transact at a constant $1 net asset value
Invesco Premier Portfolio
Excess cash
3-12 months horizon
These funds serve as the first step out of the yield curve, with durations of less than a year. They offer the potential for increased yield relative to money market funds, with low sensitivity to interest rates.
Strategic cash
12+ months horizon
With durations usually between one and three years, short-term funds may further improve yields. Rate sensitivity increases slightly compared to other buckets but may still be lower than core bond funds with longer durations.
Additional Resources
Learn more about cash segmentation's potential to offer stability while offering income opportunities
Discover more
Learn about the additional investment solutions and support Invesco can provide.
Invesco Global Liquidity
We offer a wide range of strategies across the money market and low-duration risk spectrum. This includes money market, ultra-short, and short-term strategies that target liquidity, principal preservation, and a competitive yield.
Fixed income for every possibility
From taxable bonds to tax-free municipals, from mutual funds to ETFs to SMAs, we have a wide range of strategies to help you meet your objectives.
Portfolio Playbook
Optimize your portfolios with our new Portfolio Playbook, updated monthly. It’s an actionable overview of what’s happening in the markets and economy and how to consider positioning your portfolios.
Disclosure
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1.
Invesco Government Money Market Fund
You could lose money by investing in the Fund. Although the Fund seeks to preserve your investment at $1.00 per share, it cannot guarantee it will do so. An investment in the Fund is not a bank account and is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. The Fund’s sponsor is not required to reimburse the Fund for losses, and you should not expect that the sponsor will provide financial support to the Fund at any time, including during periods of market stress.Invesco Premier Portfolio
You could lose money by investing in the Fund. Although the Fund seeks to preserve your investment at $1.00 per share, it cannot guarantee it will do so. An investment in the Fund is not a bank account and is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. The Fund may impose a fee upon the sale of your shares. The Fund's sponsor is not required to reimburse the Fund for losses, and you should not expect that the sponsor will provide financial support to the Fund at any time, including during periods of market stress.
Effective September 30, 2020, Invesco Oppenheimer Short Term Municipal Fund was renamed Invesco Short Term Municipal Fund.
Interest rate risk refers to the risk that bond prices generally fall as interest rates rise and vice versa. An issuer may be unable to meet interest and/or principal payments, thereby causing its instruments to decrease in value and lowering the issuer’s credit rating.
There are risks involved with investing in ETFs, including possible loss of money. ETFs are subject to risks similar to those of stocks.
ETF Shares are not individually redeemable and owners of the Shares may acquire those Shares from the fund and tender those Shares for redemption to the fund in Creation Unit aggregations only, typically consisting of 10,000 and 100,000 Shares.