Park your excess liquidity in money markets
Liquidity+ keeps your cash liquid while protecting it from inflation. A smart place to park your money, earning current interest rates with no lock-up.
What is Liquidity+?
Liquidity+ is our money market ETF portfolio investing in short-term bonds. Your money stays fully accessible, broadly diversified, and typically earns a yield close to the ECB policy rate.
Who is Liquidity+ suitable for?
Liquidity+ is for those who don’t want their cash sitting idle at low interest, but also don’t want or can’t invest it over the medium or long term. For example, if the money is already earmarked for a specific purchase like a home.
How does Liquidity+ work?
Once your account is set up, we take it from there. We analyze the market and select the most suitable money market funds for you. You can add or withdraw money at any time.
How much does it cost?
We charge an all-in fee of 0.5% p.a. (plus product costs of approx. 0.12%), deducted quarterly on a pro rata basis.
Benefits of Liquidity+
Tackle Inflation
Benefit from the current interest rate level through money markets and take a step against the loss of purchasing power.
Full Flexibility
Deposit & withdraw flexibly at any time - Unlike fixed-term deposit accounts, Liquidity+ has no time limit.
Transparent and Low Cost
We charge an all-inclusive fee of 0.5 % p.a. (plus product costs of 0.12%).
Please note that capital investments also carry risks, such as price, liquidity, interest rate, credit, or currency risks. For more information on risk warnings, please find more information on risk here.
Put your money to work, the right way
Liquidity+ is built for short term cash you may need within 2 years. It focuses on stability, investing in short term bonds in European markets with low risk and modest returns.
For longer time horizons and higher return-expectations, Tailored Investing is the better fit. It invests globally across stocks, bonds and commodities, aligned with your goals and risk profile, accepting more volatility for higher long term return potential. Both solutions are fully flexible. You can add or withdraw your money at any time.
Historical Development
The following table shows the historical annual performance of Liquidity+ before fees and withholding tax (KESt).
Source: Own data. Historical data is not an indicator of future performance. Capital investments carry risks.
Frequently asked questions
What is a money market fund?
A money market fund invests in highly liquid, near-term instruments. These instruments include cash, cash equivalent securities, and high-credit-rating, debt-based securities with a short-term maturity (such as government bonds). Money market funds are intended to offer investors a yield with full liquidity and with a very low level of volatility (fluctuations). In the current environment, this makes money markets an ideal product for money that one might need for something else soon.
Which returns can I expect?
With Liquidity+, returns are variable and depend on market conditions. Typically, yields are close to the ECB policy rate before fees and taxes.
How high are the costs for Liquidity+?
We charge an all-in fee of 0.5% p.a. (plus product costs of around 0.12%), deducted proportionally on a quarterly basis.
When does it make sense to use money market funds?
By investing in money market funds, you benefit directly from current interest rates, without relying on your bank to pass them on.
Another key advantage: while bank deposits are protected only up to €100,000, money market funds are held as segregated assets. Your investments remain protected even in the event of a bank or asset manager insolvency.