AI Capital Optimisation — NZ
Crown Capitholm analyses your cash position daily and deploys it into short-term, risk-controlled instruments. No trading fees. No management fees. You keep the full return.
The Problem With Idle Cash
Most NZ small businesses hold working capital in low-interest transaction accounts for liquidity reasons. That balance loses real value every month it sits unused, while typical fund and brokerage fees erode whatever gains are made elsewhere.
Crown Capitholm charges no commission, no spread markup, and no monthly account fee. Every dollar of return generated by the model stays with your business. This is a structural choice, not a promotional rate.
Positions are sized against your stated withdrawal schedule, so funds needed for payroll or supplier payments remain accessible.
The model reassesses allocations daily using updated market and account data, rather than on a fixed quarterly cycle.
Recommendations account for local interest rate settings, banking cycles, and short-term wholesale money market conditions.
How The Engine Works
The system does not guess. It ingests defined data sets, scores allocation options against your constraints, and executes only within pre-approved risk bands.
Cash balances, upcoming liabilities, and market data are pulled each morning before markets open.
Instruments are ranked on liquidity, yield, and volatility against your risk profile.
Allocations are capped so no single instrument exceeds your pre-set concentration limit.
Orders route to settlement without added commission, spread, or platform charge.
Capital is only allocated to instruments with same-day or next-day liquidity, and no position is held that would prevent access to funds within your declared notice period. The model does not use leverage and does not hold speculative derivatives.
Decision Support
Every allocation, rate, and fee line is visible. Nothing is aggregated away or hidden behind a summary score.
| Instrument | Allocation | Rate | Fee |
|---|---|---|---|
| NZ Wholesale Call Fund | $42,300 | 5.12% | 0.00% |
| Short-Dated Govt Note (30d) | $18,750 | 4.87% | 0.00% |
| Bank Term Deposit (7d) | $9,200 | 4.35% | 0.00% |
| Operating Reserve (uninvested) | $6,000 | — | 0.00% |
Yields update as underlying benchmark rates move, not on a fixed monthly refresh.
Model a withdrawal before requesting one and see the resulting liquidity position instantly.
Every allocation change is logged with timestamp, rationale, and fee line for your own records.
Cost & Credibility
Zero fees is a specific, checkable statement. Below is how Crown Capitholm compares against typical NZ cash-management alternatives.
| Provider type | Trade fee | Management fee | Withdrawal fee |
|---|---|---|---|
| Crown Capitholm | 0.00% | 0.00% | $0 |
| Managed cash fund (typical) | — | 0.35%–0.75% p.a. | $0–$25 |
| Retail brokerage (typical) | 0.10%–0.30% | — | $10–$20 |
Account and transaction data is encrypted in transit and at rest. Access is restricted to systems required for allocation processing.
Model logic, fee schedule, and allocation limits are documented and available on request before onboarding.
Execution pricing is sourced directly from underlying instrument quotes with no added margin.
About Crown Capitholm
Crown Capitholm was built specifically for small business cash management, not general investing. The model's constraints reflect the realities of running a business in New Zealand: irregular receivables, seasonal cash cycles, and the need for funds to be accessible on short notice.
We do not charge fees because our margin comes from operating efficiency, not from taking a cut of your returns. That structure is explained in full on our about page.
Read More About Us
Questions From NZ Business Owners
Provide your current cash position and withdrawal needs. We return a proposed allocation with projected yield and full fee disclosure before you commit any funds.