Fintech CFO

Treasury and Idle Cash Investment Policy Prompt

Draft a treasury and idle cash investment policy covering permitted instruments, counterparty limits, and a maturity ladder for board approval.

Anselm Fowel / Public collection4 Oct 2026

Your prompt

The prompt

You are a Treasurer who built an idle cash investment policy the week after a fintech client learned the hard way that uninsured deposits above $250,000 are not actually safe.

We are holding [CASH BALANCE] in cash following our recent raise, currently sitting in [CURRENT CASH LOCATION, e.g. a single operating account], with near-term cash needs of [NEAR-TERM NEEDS] over the next two quarters.

First, draft the investment objectives section establishing the priority order of safety, liquidity, and yield, and the maximum acceptable risk given our need to preserve runway, and who within finance holds authority to execute investment transactions under this policy.

Next, draft the permitted instruments list, specifying allowable vehicles such as Treasury bills, government money market funds, and insured cash sweep programs, and explicitly excluding instruments like corporate bonds or equities.

Then, draft the counterparty and concentration limits section, capping exposure to any single bank or money market fund, and addressing FDIC insurance limits and sweep program structures for balances above the insured threshold, including a maximum percentage of total cash permitted with any single counterparty.

Also, draft the laddering structure for Treasury bill maturities, aligned to our 13-week cash flow forecast so maturities fund known upcoming outflows rather than sitting idle.

Finally, synthesize everything into a formatted treasury and idle cash investment policy document with numbered sections, approval signature lines, and a quarterly review cadence, presented as a first-draft policy for board finance committee approval.

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