Ubs's Cash Position: Strategic Investment Opportunities

UBS offers a wide range of cash management services and investment solutions to help clients meet their financial goals. The UBS approach to wealth management involves understanding a client's financial situation, needs, and goals to deliver optimal investment solutions. UBS offers eligible accounts that allow clients to consolidate their investments and access their money in one place. These accounts include the UBS Resource Management Account (RMA) and UBS Business Services Account (BSA), which provide access to cash management services and products through affiliated and third-party banks. UBS also provides deposit sweep programs, such as the UBS FDIC-Insured Deposit Program and the UBS Bank Sweep Programs, which automatically transfer available cash balances into interest-bearing accounts. Additionally, UBS offers savings products like the UBS Bank USA Core Savings, enabling clients to earn competitive yields while maintaining their long-term investment strategies. UBS's cash management framework categorizes cash into Operating, Reserve, and Strategic, with a range of offerings that align with each category. The institution's liquidity strategies aim to meet clients' safety, liquidity, and yield goals, leveraging its internal capabilities and those of third-party partners.

UBS's cash sweep programs

UBS offers two main cash sweep programs: the UBS FDIC-Insured Deposit Program and the UBS Bank Sweep Programs. These programs are designed to help clients manage their liquidity needs and provide access to a range of deposit options at their affiliate bank, UBS Bank USA.

The UBS FDIC-Insured Deposit Program automatically sweeps available cash balances in eligible retail trust accounts to deposit accounts at UBS Bank or other participating banks on a daily basis. The cash balances are swept up to a certain limit, known as the "Deposit Limit", which is $249,000 for individual accounts and $498,000 for joint accounts. Once this limit is reached at each participating bank, any excess funds are swept to UBS Bank without limit.

The UBS Bank Sweep Programs are divided into three categories: the UBS Insured Sweep Program, the UBS Deposit Account Sweep Program, and the UBS Business Account Sweep Program. The UBS Insured Sweep Program works similarly to the FDIC-Insured Deposit Program, sweeping available cash balances in eligible retail business and retirement accounts to deposit accounts at UBS Bank or other participating banks. The Deposit and Business Account Sweep Programs target retirement accounts, including plan participant accounts, that are managed on a discretionary basis in certain advisory programs. These accounts are swept daily to deposit accounts at UBS Bank without limit.

It is important to note that certain UBS accounts, such as 403(b) plans, qualified pooled plans, and corporate cash management accounts, are not eligible for the cash sweep programs. Instead, they sweep into a money market fund, which is covered by the Securities Investor Protection Corporation (SIPC).

The cash sweep programs offered by UBS provide clients with convenient ways to manage their cash balances and take advantage of FDIC-insured deposit accounts. However, it is always recommended to carefully review the terms and conditions of any financial program before enrolling.

UBS's investment cash

UBS offers a range of investment cash options for its clients. The company's investment cash services are designed to help clients manage their short-term cash and long-term investments in one place, with the help of a dedicated UBS Financial Advisor.

UBS offers eligible accounts that allow clients to consolidate their investments and access their money in one place. These include the UBS Resource Management Accounts (RMA) and UBS Business Services Account BSAs, which are offered by UBS Financial Services Inc. and provide access to cash management products and services through affiliated and third-party banks.

UBS also provides cash management solutions, including mutual funds and separate accounts tailored to meet specific requirements. These solutions are designed to meet clients' safety, liquidity, and yield goals, with a focus on delivering flexible, high-quality investment options. UBS's cash management framework categorizes cash into three types: Operating, Reserve, and Strategic, with offerings that align with each category.

Additionally, UBS offers liquidity strategies and a range of competitive, flexible, and strategic cash solutions. These include the UBS Bank USA Core Savings, which allows clients to grow their savings cash for near-term expenses or emergency funds while earning competitive yields. UBS also provides investment cash options, where funds are left untouched for a specified term to enjoy higher rates, which may carry additional market or credit risks and fees.

UBS's cash flow statement

UBS offers a wide range of cash management services to its clients. The company's cash management framework targets investments across the risk, maturity, and liquidity spectrums, categorizing cash into three types: Operating, Reserve, and Strategic.

UBS provides its clients with a range of liquidity strategies and stable assets with competitive rates. The company offers a variety of flexible and strategic cash solutions designed to work together with its clients' wealth management plans. UBS's cash solutions include everyday cash, savings cash, and investment cash.

Everyday cash provides immediate access to funds for day-to-day purchases or expenses, including paying bills. Available cash in UBS Financial Services Inc. securities accounts is automatically "swept" daily to bank deposit accounts held at UBS Bank USA or other banks, depending on the sweep program. This allows clients to manage both their everyday cash and investment needs in one place.

Savings cash is intended for large near-term expenses, unexpected life events, or as an emergency fund. UBS Bank USA Core Savings (UBS Core Savings) offers clients the ability to grow their savings with no market or liquidity risk while earning competitive yields. UBS Core Savings provides more flexibility than term deposits, allowing up to five withdrawals per month before a fee is incurred.

Investment cash is typically left untouched for a specified term to enjoy higher rates, which may carry additional market/credit risks and fees. It is used as part of a client's asset allocation and can include cash and cash alternatives, such as Certificates of Deposit.

UBS also offers cash sweep programs, which automatically deposit available cash balances in eligible UBS accounts into interest-bearing accounts at UBS Bank or other participating banks daily. These programs include the UBS FDIC-Insured Deposit Program, UBS Insured Sweep Program, UBS Deposit Account Sweep Program, and UBS Business Account Sweep Program.

Additionally, UBS provides cash and liquidity management services through UBS Asset Management, catering to the needs of high net worth individuals and institutional investors. UBS Asset Management offers a range of liquidity strategies, including US Money Market Funds and Short and Ultra Short Duration Products. With worldwide assets under management exceeding USD 1,064 billion, UBS Asset Management is one of the world's largest investment managers.

UBS's cash management

UBS offers a range of cash management services to its clients. These services are designed to help clients manage their short-term cash and long-term investments in a way that aligns with their financial goals. UBS's cash management services are provided by affiliated and third-party banks, while deposit and loan products are offered by UBS Bank USA.

UBS also offers digital cash management solutions through the UBS Online Services and the UBS Financial Services app. These platforms allow clients to stay connected to their finances and manage their money remotely. Features include the ability to view transactions, statements, and UBS card activity, as well as deposit checks, fund investments, and transfer funds between UBS accounts and external financial institutions.

In addition to these digital tools, UBS provides its clients with a UBS debit card and credit card, which offer worldwide cash access through banks and ATMs without finance charges or cash advance fees, provided there are sufficient funds in the linked eligible UBS account. The cards also offer an unlimited number of ATM fee rebates in the US, up to $10 per transaction.

UBS also offers various cash sweep options, which automatically transfer available cash balances in eligible UBS accounts into interest-bearing deposit accounts at UBS Bank or other participating banks on a daily basis. These sweep options include the UBS FDIC-Insured Deposit Program, the UBS Insured Sweep Program, and the UBS Deposit Account Sweep Program.

For clients looking to grow their savings, UBS offers the UBS Bank USA Core Savings (UBS Core Savings) account, which provides a competitive yield while keeping long-term investment strategies on track. This account offers flexibility with up to five withdrawals per month and no market or liquidity risk.

Overall, UBS's cash management services provide clients with a comprehensive set of tools and resources to effectively manage their cash, savings, and investments, all while receiving valuable advice and guidance from dedicated financial advisors.

UBS's cash solutions

UBS offers a range of cash solutions to meet the needs of its clients. The company's cash management services are provided by affiliated and third-party banks. UBS Bank USA is a subsidiary of UBS Group AG and is well-capitalized separately from UBS Financial Services Inc.

UBS offers a wide range of competitive, flexible, and strategic cash solutions designed to work together with its clients' wealth management plans. These include liquidity strategies, stable assets with competitive rates, and the added security of FDIC insurance up to applicable limits. UBS also provides everyday cash solutions, allowing clients immediate access to funds for day-to-day purchases or expenses, as well as investment cash solutions, which are left untouched for a specified term to enjoy higher rates.

UBS's cash sweep programs automatically deposit available cash balances in eligible UBS accounts into interest-bearing accounts at UBS Bank or other Program Banks daily. The company offers two types of cash sweep programs: the UBS FDIC-Insured Deposit Program and the UBS Bank Sweep Programs, which include the UBS Insured Sweep Program, the UBS Deposit Account Sweep Program, and the UBS Business Account Sweep Program. These programs ensure that clients' money is working harder for them by earning interest.

UBS also offers savings products such as UBS Bank USA Core Savings, which provides competitive yields with FDIC insurance. This product is suitable for clients who want to grow their savings for large near-term expenses, unexpected life events, or as an emergency fund. UBS Core Savings offers flexibility with up to five withdrawals per month and no market or liquidity risk.

Additionally, UBS provides cash and liquidity management services through UBS Asset Management, which has been offering flexible, high-quality liquidity investment solutions for over 35 years. UBS Asset Management works with clients to determine the right investment approach to meet their cash management needs and offers a full range of strategies, including mutual funds and separate accounts tailored to specific requirements.

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