DIY Cash Strategies

Key Takeaways

Cash can be a strategy, not just a holding place
Liquidity creates opportunity when markets get volatile
Where you park cash matters more than most investors think

During volatile markets, many investors adopt strategies to park their investments in cash while remaining ready to seize buying opportunities.

Here are some of the more common approaches:

a) Cash Reserve Allocation:

Maintain a portion of your portfolio in cash or cash-equivalent assets like money market funds or short-term Treasury bills. These provide liquidity and stability during market turbulence.

b) Dollar-Cost Averaging (DCA):

Gradually invest your cash into the market at regular intervals, regardless of price fluctuations. This strategy reduces the impact of volatility and avoids timing the market.

c) Tactical Asset Allocation:

Use cash reserves to buy undervalued assets during market dips. This requires careful analysis to identify opportunities and assess risk.

d) Rebalancing:

Periodically adjust your portfolio to maintain your desired asset allocation. This may involve using cash to buy assets that have become underweighted due to market movements.

e) Short-Term Investments:

Invest in short-term bonds or Guaranteed Investment Certificates (GICs) to earn modest returns while keeping your cash accessible.

f) Emergency Fund:

Ensure you have a separate emergency fund to cover unexpected expenses, so your investment cash remains untouched.

When you’re researching Canadian money market funds, you might want to include Ninepoint’s NSAV on your list.

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Equities

HighShares

NPP119

(Series F)

Ninepoint Cash Management Fund

Mutual Funds Exchange Traded Funds Cash Management

Performance as at 3/31/2026

1 Year
2.67%

3 Year
4.06%

5 Year
3.22%

10 Year
2.19%

Incept.¹
2.15%

¹ Inception Date 8/6/2010

NAV

$10.00 $0.00 (0.03%)

As at 4/6/2026

Growth of $10,000 Invested as at 3/31/2026

Go To Fund

Effective September 3, 2024, Ninepoint High Interest Savings Fund changed its name to Ninepoint Cash Management Fund; and changed its investment strategies to follow the legal requirements for money market funds with respect to quality, liquidity and maturity of investments; and permitted the Fund to engage in securities lending as permitted by securities regulations. Effective March 4, 2019 the Ninepoint Short Term Bond Fund’s name was changed to the Ninepoint High Interest Savings Fund, and also changed its investment objective. Effective August 3, 2023 the Fund’s strategy was changed to include the option to invest in high-quality money market securities. The above is the performance for the Ninepoint Short Term Bond Fund up to March 4, 2019, the Ninepoint High Interest Savings Fund from March 8, 2019 to August 2, 2023 and that of the new strategy for the Ninepoint High Interest Savings Fund to September 2, 2024. All performance after September 3, 2024 is that of the Ninepoint Cash Management Fund.

All returns and fund details are a) based on Series F shares; b) net of fees; c) annualized if period is greater than one year; d) as at 2/27/2026. Where applicable, all figures are annualized and based on monthly returns since inception. Risk-free rate and minimum acceptable rate calculated using rolling 90-day CDN T-bill rate. The rate of return or mathematical table shown is used only to illustrate the effects of the compound growth rate and is not intended to reflect future values of the mutual fund or returns on investment in the mutual fund. Top ten holdings and sector allocation as at 2/27/2026. Top ten holdings based on % of net asset value. Sector allocation based on % of net asset value. Numbers may not add up due to rounding. Cash and cash equivalents include non-portfolio assets and/or liabilities.

The rate of return is used only to illustrate the effects of the compound growth rate and is not intended to reflect future values of the investment fund or returns on investment in the investment fund.

The average rating may change over time and is subject to change without notice. The portfolio itself has not been rated by an independent rating agency. The fund’s underlying investments are rated by designated rating organizations and meet the regulatory requirements for money market funds. The portfolio effective rating is computed as the market value weighted average rating of positions in the portfolio. The rating for each position is computed as an average of available ratings as issued by the designated rating agencies. The ratings themselves may be short-term or long-term depending on the original issue date of the security. Issue rating is used wherever available. When issue rating is unavailable, issuer rating is used instead. Cash is excluded from the calculation.

The monthly distribution amount may be adjusted by the Manager without notice throughout the year as market conditions change. Monthly distributions will be comprised of net income, net realized capital gains and/or return of capital. Any net income and/or net realized capital gains earned by the Fund in excess of the monthly distribution will be distributed to unitholders annually in December.

The Fund is generally exposed to the following risks: Active management risk; Borrowing risk; Credit risk; Cybersecurity risk; Inflation risk; Interest rate risk; Leverage risk; Market risk; Securities lending, repurchase and reverse repurchase transactions risk; Series risk; Specific issuer risk; Tax risk; Absence of an active market for ETF Series risk; Halted trading of ETF Series risk; Trading price of ETF Series risk.

Ninepoint Partners LP is the investment manager to a number of funds (collectively, the “Funds”). Commissions, trailing commissions, management fees, performance fees (if any), and other expenses all may be associated with investing in the Funds. Please read the prospectus carefully before investing. Mutual fund securities are not covered by the Canada Deposit Insurance Corporation or by any other government deposit insurer. There can be no assurances that the fund will be able to maintain its net asset value per security at a constant amount or that the full amount of your investment in the fund will be returned to you. Past performance may not be repeated. The indicated rates of return for series F units of the Funds for the period ended 2/27/2026 are based on the historical annual compounded total returns including changes in unit value and reinvestment of all distributions or dividends and do not take into account sales, redemption, distribution or optional charges or income taxes payable by any securityholder that would have reduced returns. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated. This communication does not constitute an offer to sell or solicitation to purchase securities of the Funds.

The information contained herein does not constitute an offer or solicitation by anyone in the United States or in any other jurisdiction in which such an offer or solicitation is not authorized or to any person to whom it is unlawful to make such an offer or solicitation. Prospective investors who are not a resident in Canada should contact their financial advisor to determine whether securities of the Fund may be lawfully sold in their jurisdiction.

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The opinions, estimates and projections (“information”) contained within this report are solely those of Ninepoint Partners LP (“Ninepoint”) and are subject to change without notice. Ninepoint makes every effort to ensure that the information has been derived from sources believed to be reliable and accurate. However, Ninepoint assumes no responsibility for any losses or damages, whether direct or indirect, which arise out of the use of this information. Ninepoint is not under any obligation to update or keep current the information contained herein. The information should not be regarded by recipients as a substitute for the exercise of their own judgment. Please contact your own personal advisor on your particular circumstances.

This document is for information purposes only and should not be relied upon as investment advice. We strongly recommend that you consult your investment professional for a comprehensive review of your personal ﬁnancial situation before undertaking any investment strategy. Information herein is subject to change without notice and Ninepoint is not responsible for any inaccuracies or to update this information.

Views expressed regarding a particular company, security, industry or market sector should not be considered an indication of trading intent of any investment funds managed by Ninepoint Partners LP. These views are not to be considered as investment advice nor should they be considered a recommendation to buy or sell.

The information contained herein does not constitute an offer or solicitation by anyone in the United States or in any other jurisdiction in which such an offer or solicitation is not authorized or to any person to whom it is unlawful to make such an offer or solicitation. Prospective investors who are not resident in Canada should contact their ﬁnancial advisor to determine whether securities of the Funds may be lawfully sold in their jurisdiction.