WealthOptimizer

Wealth Deposits: Published Rates Remain Disconnected from Reality

Pricing Wealth deposits can be tricky. You want to acknowledge and reward clients who have large relationships across deposits, lending and investments—especially those who include business with personal—but at what cost?

READ TIME: 1 MIN

May 15, 2025

According To The Data // Insights

Among Wealth Clients, CDs Have Their Limits

At their peak last summer, retail CDs accounted for nearly 30% of all wealth-deposits acquisition balances, thanks to offers on yields from many banks of over 500 bp.

READ TIME: 1 MIN

April 22, 2025

According To The Data // Insights

Brokerage Cash Sweeps:
No Longer Just the Leftovers

The traditional rule-of-thumb has been that wealth clients hold 5-7% of their assets under management (AUM) in their cash sweeps account. This is the leftover uninvested cash that’s swept to a FDIC-insured bank deposits account overnight—generally enough to cover fees and trades.

READ TIME: 1 MIN

April 1, 2025

According To The Data // Insights

Wealth Balances: The Higher You Climb,
the Harder You Fall?

Fed rate increases may have stalled in July 2023, but Wealth savings rates continued to climb throughout the flat-rate cycle.

READ TIME: 1 MIN

February 20, 2025

Curinos Perspectives // Insights

Curinos Perspective: Fed Cuts Another 25 bp, but FOMC Members See Wide Range of Paths Ahead

The FOMC cut the target range for the Federal Fund rate by 25 basis points to a range of 4.25% to 4.5%.

READ TIME: 4 MINS

December 18, 2024

According To The Data // Insights

Wealth Deposits: A Return to Normalcy after a Whipsaw 2023

After 2023, a year plagued by significant runoff in Wealth deposits, 2024 has seen nominal growth of 2.45% through the end of September), versus -16.7% for the same period last year.

READ TIME: 2 MINS

November 12, 2024

Curinos Perspectives // Insights

Curinos Perspective: As Expected, the Fed Cuts Another 25 bp

As was widely expected in the markets, the FOMC cut the target range for the Federal Fund rate by 25 basis points to a range of 4.5% to 4.75%.

READ TIME: 4 MINS

November 7, 2024

According To The Data // Insights

Wealth Savings: A Cautionary Lesson From The Last Time Rates Fell

Hooray, the Fed is lowering rates, and anyone managing Wealth savings can breathe a sigh of relief, right? Not so fast. Let’s take a walk down memory lane to 2019. What happened then could be instructive.

READ TIME: 1 MIN

October 1, 2024

According To The Data // Insights

Sweeps Can No Longer
Be Swept Under The Rug

Cash sweeps are the portion of uninvested cash that is automatically transferred into what is intended to be a higher interest-earning FDIC-insured deposit account at the close of each business day.

READ TIME: 2 MINS

August 22, 2024

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