Investments
Mattioli Woods Treasury Solutions
Strategic treasury and liquidity management.
Managing surplus cash is about far more than simply finding the highest deposit rate.
For many organisations, cash balances represent operational security, future commitments, working capital requirements or reserves built up over many years. Managing those balances effectively requires careful consideration of liquidity, risk, governance and long-term financial objectives.
At Mattioli Woods Treasury Solutions, we provide bespoke treasury and liquidity management services designed to help organisations make their cash work harder while maintaining a disciplined approach to security and accessibility.
Working with charities, universities, trusts, pension funds, corporates and other institutions, we combine institutional investment expertise with tailored treasury strategies built around the specific needs of each client.
Making cash work harder
Cash management is often viewed as simple. In reality, it can be one of the most important and complex areas of financial management within an organisation.
Leaving significant balances on deposit may not always provide the most effective outcome. Inflation, changing interest rate environments, concentration risk and liquidity pressures can all affect the long-term value and flexibility of cash reserves.
At Mattioli Woods Treasury Solutions, we see managing liquidity as a service, not a product. That begins with understanding how your organisation operates, the cash flows and liquidity requirements that support it, and the governance framework within which investment decisions are made.
We take the time to understand your risk appetite, operational priorities, treasury policies and investment restrictions, ensuring your strategy reflects the realities of your organisation rather than applying a one-size-fits-all approach.
From there, we build a tailored treasury and liquidity strategy designed to balance accessibility, security and return in a way that supports both your immediate needs and longer-term objectives.
A bespoke approach to treasury management
No two organisations manage liquidity in the same way.
We work closely with finance teams, trustees, boards and investment committees to understand:
- Liquidity requirements
- Treasury/socially responsible investing (SRI) policies
- Governance structures
- Counterparty restrictions
- Cash flow expectations
- Investment time horizons
This allows us to create tailored treasury and liquidity management strategies designed around your organisation’s specific needs.
Our services are available on both a discretionary and advisory basis, allowing clients to choose the level of involvement and oversight that best suits their governance framework.
Balancing Security, Liquidity & Yield
Security
Protecting capital remains the primary objective of any treasury portfolio.We focus on maintaining disciplined counter party selection, diversification and risk oversight, helping clients manage exposure carefully across approved institutions and investment instruments.
Liquidity
Access to cash matters.Treasury portfolios should be structured to ensure funds remain available when required, supporting operational flexibility and changing organisational needs.By understanding expected and potential liabilities, we ensure liquidity remains aligned to your cash flow requirements and treasury objectives.
Yield
Once security and liquidity requirements are understood, we seek to generate an enhanced return on surplus cash balances.Our aim is to provide clients with the opportunity to achieve improved returns relative to traditional cash deposits while remaining within agreed risk parameters.
How we manage treasury portfolios
Our treasury management process is designed to combine flexibility, oversight and disciplined implementation.
Understanding your organisation
Every client relationship begins with understanding the financial and operational dynamics of your organisation. We take the time to assess your treasury requirements, governance framework and investment objectives, alongside factors such as expected cash flows, liquidity needs, reporting requirements, counterparty limits and any existing treasury or investment policies.
By building a clear picture of how your organisation manages and relies upon its cash balances, we are able to create a bespoke treasury mandate designed to support your operational priorities, governance standards and longer-term financial objectives.
Portfolio design and implementation
Once investment parameters are agreed, we build a diversified treasury portfolio using carefully selected instruments designed to align with your liquidity and risk requirements.
Ongoing monitoring and oversight
Treasury management is not static.
Cash flow requirements, market conditions and interest rate environments can evolve quickly. Our Investments team monitors portfolios daily to ensure they remain in line with agreed mandates and to identify opportunities where value may be added.
We also provide regular reporting and review meetings to support transparency, governance and ongoing communication.
Investment solutions and treasury instruments
Treasury portfolios are constructed using a range of institutional cash and fixed income instruments selected according to each client’s investment mandate and liquidity requirements. Typical investments may include:
Fixed term deposits
Certificates of deposit
Gilts and Treasury bills
Financial corporate bonds
Socially responsible investing
We provide ESG ratings (Sustainalytics and MSCI) for all recommended counterparties. We encourage clients to use this data to monitor counterparties for positive change.
Counterparty assessment and monitoring
When assessing counterparties, we utilise the major international credit rating agencies: Fitch, Moody’s, and S&P.We maintain a recommended counterparty list, which we can tailor to meet client specific counterparty restrictions, policies and governance requirements.Counterparty exposure and credit quality are monitored in real time to support disciplined risk management.
Custody and operational oversight
We offer flexible custody arrangements depending on client requirements. Clients can utilise our pooled custody service with Bank of New York Mellon or we can work with third-party custodians where appropriate.Operational resilience, oversight and governance remain central to our approach.
Governance, Oversight & Risk Management
Strong governance sits at the heart of effective treasury management.
Supporting organisations with treasury expertise
Treasury management is not simply about managing investments. It’s about supporting better financial decision-making across an organisation.
That’s why we also provide treasury training and educational support for:
- Boards
- Trustees
- Finance teams
- Investment committees
- Wider organisational stakeholders
Training sessions are tailored to the needs of each organisation and can cover a wide range of treasury and investment topics, including liquidity management, investment risk, credit ratings, fixed income instruments, economic conditions and governance considerations.
We believe informed decision-making leads to stronger governance, clearer oversight and more effective long-term financial management.
Meet the Treasury Solutions team
Our Treasury Solutions team combines extensive experience across treasury management, fixed income markets and institutional liquidity management.
By combining institutional investment expertise with a relationship-led approach, the team works closely with clients to help ensure treasury strategies remain aligned to operational priorities, changing market conditions and evolving organisational needs.
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FAQs
Frequently asked questions
What is treasury and liquidity management?
Treasury and liquidity management involves overseeing an organisation’s cash balances, short-term investments and liquidity requirements. The aim is to balance security, accessibility and return while supporting operational and strategic financial objectives.
Why is managing surplus cash important?
Holding significant cash balances without a structured treasury strategy can expose organisations to inflation risk, concentration risk and missed investment opportunities. Effective treasury management helps organisations maintain liquidity while maximising appropriate risk-adjusted returns on surplus cash.
How does Mattioli Woods Treasury Solutions differ from traditional deposit accounts?
Traditional bank accounts or cash deposits provide limited flexibility, diversification and yield opportunities. Mattioli Woods Treasury Solutions uses a broader range of institutional investments and liquidity strategies designed to meet an organisation’s specific operational and governance requirements.
What types of organisations use Mattioli Woods Treasury Solutions?
Our treasury management services are used by a wide range of organisations, including charities, universities, trusts, pension funds, corporates and other institutions managing significant cash reserves or liquidity requirements.
How do you manage treasury investment risk?
Risk management is central to our approach. We use diversified portfolios, approved counterparty lists, credit rating analysis, ongoing monitoring and clearly defined investment parameters aligned to each client’s treasury policies and governance framework.
Can treasury portfolios be tailored to our organisation’s requirements?
Yes. Every treasury strategy is built around the specific needs of the organisation, including liquidity requirements, investment restrictions, governance considerations, reporting needs and risk appetite.
Do you offer discretionary and advisory treasury management services?
Yes. We provide both discretionary and advisory treasury management services, allowing organisations to choose the level of involvement and decision-making support that best meets their governance structure and internal treasury processes.
