For many owner managed businesses in Ireland, success quietly creates a new problem: excess cash on the balance sheet. What once felt like security can quickly become inefficiency. With inflation eroding value and deposit rates still structurally weak, idle cash is no longer neutral, it is a drag on long term wealth.
There is now a clear policy shift underway. With over €170 billion sitting idle in lowyield deposits, the Irish Government is moving to incentivise a transition from saving to investing, with a new state-backed savings and investment scheme expected from 2027.
This signals a broader shift from saving to investing as a national priority.
At Fordel, we are already seeing this transition take hold. The most effective business owners are no longer asking “Where should we park cash?” but rather “How should this capital work harder for the business and for me?”
