Wealth Management Division·Short-termActive
Family Reserve & Deposit Ladder
Keep 6–9 months of living costs in rolling deposits at ≥ 3 banks with staggered maturities so cash is always available within a week.
- Desk
- Family Treasury
- Book
- Reserve fund
- Horizon
- Short-term · Under 12 months
- Last reviewed
- 11 Sept 2026
Thesis
Liquidity is what lets every other strategy be patient. A sufficient reserve prevents forced sales of long-term assets when the family needs cash or markets crash.
Rules
Entry
Split the reserve into 6 tranches maturing monthly; auto-renew.
Exit
Draw for essential spending or when the PE/VC capital-call reserve rule triggers.
Sizing
Minimum 6 months, target 9 months of expenses.
Risk limits
- ≤ 20% of the reserve at any one bank
- Only well-rated banks
KPIs
- Reserve ≥ 6 months, 100% of the time
- Average rate ≥ Big-4 6-month rate
Instruments
- Demand deposits, 1/3/6-month term deposits, certificates of deposit
CashBonds & term deposits#cash#liquidity#deposit