SAFE SPACE WEBINAR WITH TOLULOPE FABOYEDE: HOW TO INVEST (SEP 18)

It’s time to get your finances in check!

So you’re one of the people who finds themselves drifting off thinking about how to build wealth with their monthly income? Don’t just sit there daydreaming, here’s a chance to actually do something about it!

Or maybe you think you need to have a ton of money to start investing, think again. This and other investment myths are some of the topics we’ll be covering in our webinar titled Safe Space – A No BS Guide on How to Invest..

On September 18, 2020 at 5PM WAT/ 6PM CAT/ 7PM EAT, Tolulope Faboyede of FSDH Asset Management will be taking you through everything you need to know to build wealth and invest. What’s more? You’ll be able to get started after the class!

Learn how to invest and build wealth with Tolulope Faboyede of FSDH Asset Management! Join us on September 18 at 5PM WAT/ 6PM CAT/ 7PM EAT Click this link to register: bit.ly/safespacefinance Click To Tweet

Here are some of the topics we’ll cover at the webinar:

  • How to design and execute an investment plan
  • What to look out for when building your investment portfolio
  • How to evaluate your financial situation
  • Compounding interest: What it is and how to evaluate it
  • Common myths about investing

Register below to access the webinar!

Webinar details:

Date: Friday, September 18, 2020

Time: 5PM WAT/ 6PM CAT/ 7PM EAT

Location: Click here to register for the webinar on Zoom

About Tolulope

Tolulope Faboyede is a Business Development and Wealth Management expert at FSDH Asset Management Limited. She holds a Bachelor of Science in Economics from the University of Lagos and has completed a CFA Institute Investment Foundations Program. Tolu has over 12 years experience in the Nigerian Financial markets and has attended various professional courses and training in Portfolio and Wealth Management. She has worked with several individuals and companies to grow their wealth.Tolu is passionate about providing financial literacy to both individuals and corporate organisations.



3 Reasons why you are an impulsive spender and what to do about it: Lydia Chinery – Hesse

This September, we’re out here on these streets trynna secure the bag. If you’re an impulsive spender, this one is for you.

As a financial advisor working with Holborn Assets, Lydia Chinery-Hesse has helped clients put measures in place to control their spending while increasing their savings and growing their wealth.

She has been working with various nationalities to help them plan their financial future by giving them transparent, objective and honest advice. Lydia helps them visualize their personal (and business) goals and structure a plan towards achieving them.

Earlier this year, she created a Facebook group called Love Yourself Financially, a community of global women who are dedicated to being the boss of their finances.

Their goal is to be financially secure and free – which has a different meaning to each member.


The Scenario

You’ve just finished a successful meeting and decide to take a short walk through the mall, for some window shopping.

Before you know it, you’ve spent money shopping for more clothes you don’t need!

It’s 4:15 pm and you’re absolutely famished. While you could wait another hour to get home and eat some leftovers from last night’s home-cooked supper, you decide to order food that would cost the same amount as your groceries for the week.

Even if you haven’t found yourself in one of these situations before, you’ve definitely spent money impulsively in one way or another.

  • Why is this?
  • Why are we so impulsive? More importantly…
  • What can we do about it?

Here are the three main reasons for being an impulsive spender, and a few ways you can improve your spending habits.

1. You’re using a credit card

Studies show that when we pay using our credit card, we’re more likely to spend money. With a credit card, your thinking will be more along the lines of “out of sight, out of mind”, as you don’t see the money ‘leaving’ your wallet.

Conversely, when we spend with cash, it hurts a little, and you tend to think twice before spending it.

What should you do about it?

• Until you get to a point where you have significantly improved your discipline in this area, ditch the credit card.

• Ditching the card means spending cash only.

• Withdraw your cash allocation for the week, and carry only what you need on a daily basis.

2. Because money should be spent

If you’re able to spend money impulsively, consider yourself fortunate to have the money to do so. That being said, just because you can, doesn’t mean you should.

As an impulsive spender, It’s likely you’re not tracking your expenses by writing them down or through an app.

If you did, you’d be less likely to spend mindlessly as you’d always be aware of what you’re spending on and how much you’re spending. 

What should you do about it?

• Before you’re about to buy something, you want, pause. Wait a day, a week, a month or longer to determine if you really need it. Chances are you don’t.

• Track your expenses, create a budget and live by it.

• Get an accountability buddy. When you’re itching to spend, call a friend you trust who will talk to you straight.

• Meal prep. Don’t give yourself an excuse to buy a meal. 

• Try no-spend days a few times per month.

In addition to all of these, it’s worth considering…what else could you be doing with that money? This brings me to my last point:

3. You are not thinking long-term

Image result for African woman thinking gifs

Living for today will most likely mean scrambling or struggling in the future.

Perhaps it would be wiser to live according to this African Proverb, “For tomorrow belongs to the people who prepare for it today”. 

What should you do about it? 

• Set your savings goal and reward yourself for achieving them (without spending money – be creative!)

• Save towards future plans. Put some money aside monthly towards that goal, whether it’s a vacation, car purchase, etc.

• Be intentional about your long term goals. This begins by figuring out how much you’ll need to either live comfortably in retirement or to reach financial security (where passive income pays for your expenses).

Once you have that figured out, work backward from there to determine how much you should be saving (and investing) in order to reach your target.

Practicing delayed gratification improves your discipline and you’ll also enjoy the financial rewards in the future – @lydialydzzz Click To Tweet

It takes some self-reflection and being honest to admit that there are areas in which we need to be more disciplined in order for the impulsiveness to end. 


How are you improving your spending habits this month? Click here to share your story with us.

Introducing the Money Talks Series – addressing financial issues young African women face

She Leads Africa and FSDH Asset Management partner to bring you an 8 episode web series focused on common money issues young career and businesswomen face.

Want to make serious money moves in 2019 and start taking steps to reach your financial goals? Whether you are getting married or are married, part of the bridal team, just started working, planning to pursue your master’s degree and more, the Money Talks series is here to help you!

With each episode focused on different financial issues most Nigerian women face, the Money Talks series aims to help women reach their financial goals through various FSDH product offerings.

The Money Talks series is brought to you by She Leads Africa in partnership with FSDH Asset Management and will be hosted by She Leads Africa’s Head of Content, Hilda Awomolo.

Each episode will feature successful career and businesswomen, including our co-founder – Afua Osei, who’ll share their insights and provide tips on each topic.

Watch the trailer here:

Through this series, viewers will:
  • Gain tangible advice on how to deal with various financial – related issues.
  • Have access to 4 Quick Math guides to help make money moves at the end of each episode.
  • Participate in a LIVE chat during the premiere of each episode on She Leads Africa’s YouTube channel.
  • Be provided with an opportunity to discuss topics in a Twitter chat every Tuesday on  She Leads Africa’s Twitter page.
The episode guide is as follows:
  • Episode 1 – Who gets your first salary? You or your parents?
  • Episode 2 – Are you a bad person if you don’t buy Aso-Ebi?
  • Episode 3 – Should you have a separate investment/bank account from your husband?
  • Episode 4 – What’s the actual cost of having a baby?
  • Episode 5 – How do people fund their master’s degrees?
  • Episode 6 – How do you react to friends and family who borrow from you? 
  • Episode 7 – Do your friends help you spend or save your money?
  • Episode 8 – Does your spending personality match your account balance?

The first episode will be released on Thursday, 28th February 2019 at 6pm WAT on the She Leads Africa YouTube and Facebook pages. Brand new episodes will go live every Thursday at 6pm WAT from 6th March on both platforms.


More about FSDH Asset Management

FSDH ASSET MANAGEMENT LTD – FSDH AM is a wholly owned subsidiary of FSDH Merchant Bank Limited. They are one of Nigeria’s leading asset management and financial advisory firm.

FSDH AM is versatile in financial transactions and investment strategies that meet the need of investors in an emerging economy like Nigeria. They recognize that today’s investors need the services of dedicated and expert professionals to provide them with intelligent investment counsel.

Therefore, their strategies are dedicated to preserving investors’ wealth while maximizing the value that they receive.

WEBINAR WITH FBNQUEST TRUSTEES: DISCOVER THE POWER OF ESTATE PLANNING (DEC 5)

Wealthy or nah, we all have an estate and it’s important to have a plan for it. 

Without a solid estate plan, your friends and relatives can spend a lifetime scrambling over your assets – we wouldn’t want that to happen would we?

While you’ve worked super hard to build a secure and comfy lifestyle or are still working towards it, it’s time to protect those assets with a proper estate plan.

Tune in on Wednesday, December 5th, 2018 for a LIVE webinar with certified Estate Practitioner – Mofoluke Keshinro, in partnership with FBNQuest Trustees.

Discover the power of estate planning with @fbnquest & @sheleadsafrica during a LIVE a webinar on Dec 5th at 2 pm WAT! Reg here: bit.ly/fbnquestEP Click To Tweet

Some of the topics we’ll cover

  • Why you need Estate Planning
  • Keeping your wealth within the family
  • Planning for your loved ones
  • 10 Common Estate-Planning Mistakes Women Make

Register below to access this opportunity and submit questions that you would like Mofoluke to answer.

Webinar Details:

Date: Wednesday, December 5th 2018

Time: 2pm Lagos // 3pm Joburg // 4pm Nairobi

Location: We’ll send you the link to watch once you register

Watch the webinar here:

About Mofoluke

Mofoluke Keshinro is the Head of Private Trust at FBNQuest Trustees Limited and is one of only two certified Trust and Estate Practitioners (TEP) in Nigeria.

Her experience includes roles at Liberation Partners, Wema Trustees Limited, and Great Nigeria Insurance Plc.

She is a full and certified Member of the Society of Trust and Estate Practitioners (STEP) and has attended STEP seminars/conferences in Johannesburg, Dubai, New York and Singapore.


FBNQuest Trustees is part of FBN Holdings Plc, one of the strongest and most dependable financial groups in Africa.

They assess your needs and provide tailored solutions for the safekeeping of assets. From estate planning to government bond issuance,  FBNQuest Trustees holds a solid market position as a leading trustee services provider.

 

5 ways to escape uncontrolled consumerism

We are human beings and living as such requires us to consume things, even those of us interested in living a minimalist life.

A minimalist is someone who operates a moderate or conservative approach when it comes to material things.

I am from a polygamous home and boy do we own a lot and still try to consume a lot but personally, I have worked hard to escape uncontrolled consumerism as it becomes excessive when it extends beyond what is really needed.

Learn how to live a minimalist lifestyle by escaping uncontrolled consumerism with these 5 steps Click To Tweet

We tend to mix up our wants and needs and forget or overlook how much space, time, strength and money we lose on things that are not paramount in our lives. Once we start consuming more than what’s needed, the boundaries set are removed, instantly.

Our desires get reshaped and it happens so fast, we get used to consuming easily. A lot of people get overly trendy overnight, getting things that tickle our fancy, wanting to show up ‘right’ and live up ‘right’ and be in debt or be materialistically possessive.

Now don’t get me wrong. There’s absolutely nothing wrong in wanting to be trendy and leveling up, living up to standard, but are we going about it the right way? Because going about it the excessive way consumes our limited resources.

It’s about time we escape that cycle and embrace the minimal. Minimalism in this regard is living simply and subtly and the mantra is “less is more”.

Living with the utmost intentionality and not deprivation, as the misconception people tend to have. Living a minimalist life seeks only to buy and keep the essentials, remove the frivolous items and keep the significant ones and in doing so, values intentional endeavors.

Here are 5 practical benefits of escaping uncontrolled consumerism:

Reduce debts

This had to come first as our finances are very important. Being in any kind of debt isn’t fun and that causes a load of stress in our lives.

It takes a toll on our health and mentally, we’re just not up for any vibe, whatsoever. But what if you could reduce your debts? What if plans to pay back your debts turn up positive? What if you could put your feet down and say no to debts?

Your life would be stress-free.

Resist the desire to live beyond your means

The internet is double-faced. Its good and can be not so good at times. As a woman, I see my mates riding a 2018 Mercedes Benz GLA, in a fancy color, say hot red and I start comparing myself to that and then start calculating the amount I’ve got in my bank account or try to save up for it so I can post it up too and live a digital age life.

The car is mouthwatering, yes. But that only invites lifestyle envy into our lives and the internet promoting the lifestyle of the rich as superior or enviable.

This is where the intentionality of living a minimalist life comes to play. Only with an intentional rejection can one silence this constant yelling of uncontrolled consumerism.

Have more contentment

Many people believe if they reach a level of contentment, their desire for excessive consumption will diminish. But the truth is the intentional rejection of excessive consumption paves way for contentment in our lives.

Pursuing minimalism realigns our lives around our greatest passions and results in a far better contentment with life than before.

Remember what matters to you in the world

Have we been too busy seeking happiness in the wrong places? Have we valued worldly things over family, relationships, religion?

It’s time to realize what means important to us and make a priority list because true life and true happiness is found in the invisible things of life.  

Resist the need to keep up with evolving trends

Change is a constant thing and as regards fashion and lifestyle, trends evolve. We are in the modern world and we can’t keep wearing style from the 90’s but that doesn’t mean we need to always change our wardrobe as trends come up.

That’s our ‘want’ knocking our ‘need’ over. As a wise man once said, “Every generation laughs at the old fashions, but religiously follows the new”.

The wisdom imbibed in this sentence strikes me as it relates and applies to fashion, decoration, lifestyle or design. Why don’t we remove ourselves from the pursuit altogether?

Escaping uncontrolled consumerism isn’t as easy as ABC, it isn’t a walk in the park so is minimalism. But once you make up your mind and find that ‘intentional’ drive, you can do it.


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Webinar with FBNQUEST ASSET MANAGEMENT: The balancing act – managing debt and building long term wealth (Oct 11)

“Staying out of debt is staying out of danger”. We don’t remember who said this, but its true!

Not all of us make six figures today, and even when we try hard to maintain financial discipline, this economy sometimes makes it hard to stay out of debt or even pay what we currently owe.

If you want to walk in financial freedom, it’s important for you to have a plan on how to manage your finance effectively and tackle your debts.

Most importantly, you need to make sure you’re not uncomfortable around your friends if they have RIRI’s song as their ringtone everytime y’all are hanging out.

In our previous financial planning webinar’s, we taught you How to make your first investment and how to Save and slay. Now, it’s time to go in deeper as we teach you how to improve your finances by managing your debts and building long-term wealth for yourself.

She Leads Africa, in partnership with FBNQuest Asset Management is inviting you to a 45-minute webinar with skilled wealth advisor and financial planner – Emmanuella Ekhaguere, on Thursday, October 11th, 2018 at 3 PM WAT.

Emmanuella will be giving some tips on how to balance your finances, how to manage your debts better and how to build long-term wealth for yourself.

Join SLA & @FBNQuest for a webinar on October 11th at 3 pm to learn how to manage your debts, build long-term wealth for yourself and how to balance both! Click To Tweet

Some of the topics we’ll cover:

  • Understanding financial fitness and measures
  • Managing your cash flow, budget and time value of money
  • Top 10 ways to live a debt free life.

Webinar details:

Date: Thursday, October 11th, 2018

Time: 3PM Lagos // 4PM Joburg // 5PM Nairobi

Location: We’ll send you the link to join the session once you sign up!

Watch the webinar here:

About Emmanuella

Emmanuella Ekhaguere is Investment Advisor with at FBNQuest Merchant Bank, a subsidiary of FBN Holdings Plc.  She has over 15 years of Agricultural banking and financial planning experience from various Financial Service Institutions.

Emmanuella started her career at Kakawa Discount house Limited as a Client Relationship Officer.  She later moved to Oceanic Bank (now Ecobank Nigeria).

In deepening her passion and experience in Wealth and Investment Banking, Emmanuella joined Metro Capital Advisory Group in 2008. She has an MBA from Aston Business School Birmingham, United Kingdom, and is a certified financial Planner (CFP), from Florida State University (FSU)


FBNQuest Asset Management is a subsidiary of FBNQuest Merchant Bank, one of the strongest and most dependable financial groups in Africa.

They work with individual and institutional investors to provide a strategy best suited to your investment goals and portfolios, from mutual funds to liquidity management etc.

 

Webinar with FBNQUEST ASSET MANAGEMENT: How to Save and Slay (Aug 3)

How exactly do you indulge in sipping champagne on a beer budget? You gon’ learn today!

First, we’ve taught you How to make your first investment, now its time to learn how to save and SLAY simultaneously.

Saving money may sound like one of the hardest things to do when it comes to your finances especially if your income isn’t breaking the bank. But hey, you only need as much as you have right now to save!

If you’re wondering how to save money without your slay mode depreciating, then this webinar is for you.

SLA in partnership with  FBNQuest Asset Management is inviting you to a 45-minute webinar with skilled wealth advisor and financial planner – Emmanuella Ekhaguere, on Friday, August 3rd, 2018.

Emmanuella will be giving some tips on how you can to start planning and investing for your future with your current income.

Join SLA & @FBNQuest for a webinar on August 3rd to learn how to save and slay. Click To Tweet

Some of the topics we’ll cover:

  • Understanding the psychology of money
  • Living your best life through personal finance management
  • Saving hacks for motherland moguls – daily, monthly and long-term
  • Getting S.M.A.R.T about goal settings and how to achieve them

Watch Video here:

About Emmanuella

Emmanuella Ekhaguere is Investment Advisor with at FBNQuest Merchant Bank, a subsidiary of FBN Holdings Plc.  She has over 15 years of Agricultural banking and financial planning experience from various Financial Service Institutions.

Emmanuella started her career at Kakawa Discount house Limited as a Client Relationship Officer.  She later moved to Oceanic Bank (now Ecobank Nigeria).

In deepening her passion and experience in Wealth and Investment Banking, Emmanuella joined Metro Capital Advisory Group in 2008. She has an MBA from Aston Business School Birmingham, United Kingdom, and is a certified financial Planner (CFP), from Florida State University (FSU)


FBNQuest Asset Management is a subsidiary of FBNQuest Merchant Bank, one of the strongest and most dependable financial groups in Africa.  

They work with individual and institutional investors to provide a strategy best suited to your investment goals and portfolios, from mutual funds to liquidity management etc.

5 Marketing Tips from Business Guru P.Diddy

Sean “Puffy/Puff Daddy/ Diddy/Brother Love” Combs is one of the greatest marketing geniuses on earth. He has remained relevant and dominant to hip-hop music, culture, fashion, business and entertainment over the past 20 years.

Last year, Sean was also recognized as one of the Forbes 100 Greatest Living Minds. He is also often considered one of the top 3 of 5 wealthiest hip-hop artists on the Forbes list.

Amidst all these, you may wonder, how does he keep all eyes on him? In this article, we will discover 5 tips from Diddy that can help us improve our marketing game and slay!

 


1. Say Your Name

If there is one thing Diddy always does, is use every advantage to promote his products or name. Whether its an interview on Ellen or a cameo on The Breakfast Club, Diddy always has his products such as a bottle of Ciroc.

You should take advantage of every airtime you get to promote your brand and products. Through being strategic, you should find a way to guide the conversation in a way that allows you to talk about your products.

This will help increase your revenue and the reach of your brand.

2. Make The Circle Bigger

The fact is you can only be in one place at a time, but you need to get the word out about you, your brand or business. You need people spreading a positive word about you to others.

 

 

Diddy figured this out in his early days as a music producer when he started Bad Boy Records, which celebrated its 20-year reunion tour last year. Diddy has been instrumental in the careers of musicians like Notorious BIG, Mase, and more recently French Montana. Whenever a record of their plays, it will at some point announce “Bad Boy.”

Through shaping and promoting the careers of the musicians he worked with, Diddy also extended his marketing reach. When you help other people achieve their goals, you also, in turn, grow your circle of influence and people who will do anything for you.

3. Stay On the Beat

Is Diddy an expert of the FMCG, Film and Music industries? Probably not, but he knows enough of the field to spot a real opportunity. You don’t want to seem like you are all over the place, but rather that you ‘happened’ to be in a certain place or sector because you keep your finger on the pulse.

Whatever you are working on, you need to know all the new developments and contribute to the conversations in a meaningful way that elevates the topic. Diddy lost his father to gun violence at a young age.

Though he became successful, he didn’t forget to empower his people. His response to Black Lives Matter through building a world-class school in Harlem, the neighborhood he grew up in.

5. Have Fun

Diddy always looks like he is having a great time, from salsa dancing in his underwear to the energy he brings when he is hosting shows. People are attracted to someone who is upbeat, so plaster a smile on your face and get hyped about whatever you do!

We are always exchanging energy so make sure you put out positive vibes only!


DO YOU HAVE ANY BUSINESS LESSONS TO SHARE?

Let us know here.

Facebook Live with FBNQUEST TRUSTEES: 5 reasons why you need an Estate Plan (Mar 28)

We’ve thought you what you need to do now, to reach your money goals and as the true MotherlandMogul that you are, we know you’ve listened.

Now its time to up your game!

Ever heard of an estate plan? No, we’re not talking about the estate you live in and its architectural structure. We’re talking about managing and continuous planning for assets you acquire in your lifetime.

Who says you’re too young to have an estate plan?

SLA in partnership with  FBNQuest Trustees is hosting a Facebook Live with certified Estate Practitioner – Mofoluke Keshinro, on Friday, March 23rd, 2018.

Mofoluke will be teaching you everything you need to know about estate plans, and why you need to have an estate plan now.

Register below to sign up for this Facebook Live and to get a FREE copy of our e-book on how to make your first investment.

Wondering why you need an estate plan now? Join SLA & @FBNQuest for a Facebook Live on March 28th to get your questions answered. Click To Tweet

Some of the topics we’ll cover:

  • Why have an estate plan?/ Introduction to Estate Planning.
  • 5 things an estate plan will do for you
  • Benefits of a Living Trust
  • Why appoint an Institution as Trustee
  • Education Trust Planning 101

Webinar Details:

  • Date: Wednesday, March 28th
  • Time: 1pm Lagos

Watch the Facebook Live here:

She Leads Africa Facebook Live with FBNQuest Trustees: 5 reasons why you need an estate plan. Join the She Leads Africa community by visiting SheLeadsAfrica.org/join

Posted by She Leads Africa on Wednesday, March 28, 2018

 About Mofoluke

Mofoluke Keshinro is the Head of Private Trust at FBNQuest Trustees Limited and is one of only two certified Trust and Estate Practitioners (TEP) in Nigeria.

Her experience includes roles at Liberation Partners, Wema Trustees Limited, and Great Nigeria Insurance Plc.

She is a full and certified Member of the Society of Trust and Estate Practitioners (STEP) and has attended STEP seminars/conferences in Johannesburg, Dubai, New York and Singapore.


FBNQuest Trustees is part of FBN Holdings Plc, one of the strongest and most dependable financial groups in Africa.

They assess your needs and provide tailored solutions for the safekeeping of assets. From estate planning to government bond issuance,  FBNQuest Trustees holds a solid market position as a leading trustee services provider.

Webinar with FBNQUEST ASSET MANAGEMENT: What you can do now to reach your long-term money goals (Mar 12)

Have you thought about what you want your net worth to be in the next 10 years?

Before you begin to daydream of joining the 30 billion gang, understand that wealthy people today didn’t start planning, investing, and saving last month, or a year ago. You’ve got to start NOW!

If you’re not sure how to begin, we’re about to get you started.

SLA in partnership with  FBNQuest Asset Management is inviting you to join us for a 45-minute webinar with skilled wealth advisor and financial planner – Emmanuella Ekhaguere, on Monday, March 12th, 2018.

Emmanuella will be giving you some tips on how to start planning and investing for your future with your current income.

Join SLA & @FBNQuest for a webinar on March 12th to learn how to reach your long-term money goals. Click To Tweet

Some of the topics we’ll cover:

  • What you need to know about financial planning.
  • The difference between short-term and long-term.
  • Steps you need to take to reach your long-term money goals.

Webinar Details:

  • Date: Monday, March 12th
  • Time: 12pm Lagos  / 1pm Johannesburg/ 2pm Nairobi

Watch the webinar here:

About Emmanuella

Emmanuella Ekhaguere is Investment Advisor with at FBNQuest Merchant Bank, a subsidiary of FBN Holdings Plc.  She has over 15 years of Agricultural banking and financial planning experience from various Financial Service Institutions.

Emmanuella started her career at Kakawa Discount house Limited as a Client Relationship Officer.  She later moved to Oceanic Bank (now Ecobank Nigeria).

In deepening her passion and experience in Wealth and Investment Banking, Emmanuella joined MetroCapital Advisory Group in 2008. She has an MBA from Aston Business School Birmingham, United Kingdom, and is a certified financial Planner (CFP), from Florida State University (FSU)


FBNQuest Asset Management is a subsidiary of FBNQuest Merchant Bank, one of the strongest and most dependable financial groups in Africa.  

They work with individual and institutional investors to provide a strategy best suited to your investment goals and portfolios, from mutual funds to liquidity management etc.