Smart Investment Management

# HOA Investment Management
That Maximizes Returns

Stop leaving money on the table. HOA LedgerIQ's AI-powered investment management helps you maximize returns on reserve funds while maintaining the liquidity needed for operations and capital projects.

Calculate Potential Earnings View Strategies →

✓ FDIC-insured options ✓ State-compliant ✓ Risk-adjusted strategies

Dashboard — Fund Health & At-a-Glance Metrics
Cash Flow — Actuals & Forward Projections
Capital Planning — 5-Year Project Pipeline

## Most HOAs Are Losing Money on Their Reserves

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### Sitting in Checking Accounts

Most HOAs keep reserve funds in non-interest-bearing accounts, losing 3–5% annually to inflation. That's thousands in lost income every year.

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### Too Conservative

Even "safe" investments like money markets now yield 4–5%, but many HOAs still earn 0.01% in traditional savings accounts.

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### Compliance Concerns

Board members worry about making investment decisions. What's allowed? What's safe? What fulfills our fiduciary duty?

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### No Formal Strategy

Without a formal investment policy, HOAs miss opportunities and leave money on the table year after year.

Smart Investment Management

## AI-Powered Strategies for HOAs

Personalized investment recommendations tailored to your HOA's specific cash flow needs and risk tolerance.

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### Operating Account Optimization

Keep 3–6 months of operating expenses in a high-yield account. Earn 4–5% APY with full liquidity. Typical HOA: +$2,000–5,000/year.

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### Reserve Fund Laddering

CD and Treasury ladders matched to your capital project timeline. Earn higher yields on money you won't need for 1–5 years.

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### Investment Policy Creation

AI generates a compliant investment policy statement tailored to your state's HOA laws and your community's risk tolerance.

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### Performance Tracking

Monitor investment performance across all accounts. Get alerts when rebalancing is needed or better rates become available.

## Investment Strategies by Risk Level

### 🛡️ Conservative Strategy

For: HOAs with low reserves or near-term capital projects

- ✓ FDIC-insured accounts only
- ✓ High-yield savings accounts (4–5% APY)
- ✓ Money market funds
- ✓ Short-term CDs (3–12 months)
- Expected Return: 4–5% annually
- Risk Level: Very Low

### ⚖️ Moderate Strategy

For: HOAs with healthy reserves and a 2–5 year project timeline

- ✓ Treasury securities (T-bills, notes)
- ✓ CD laddering strategy
- ✓ Government bond funds
- ✓ Mix of liquid and term investments
- Expected Return: 5–7% annually
- Risk Level: Low

### 📈 Growth Strategy

For: HOAs with substantial reserves and a long-term horizon (5+ years)

- ✓ Diversified bond funds
- ✓ Conservative equity exposure (10–20%)
- ✓ REITs for income
- ✓ Balanced fund approach
- Expected Return: 7–9% annually
- Risk Level: Moderate

## How Much Could Your HOA Earn?

Calculate the potential investment income your HOA is leaving on the table.

Total Reserve Funds
Current Annual Return (%)
Potential Return (%)

### Your HOA Could Earn:

$0 more per year

That's $0 more over 10 years

Start Optimizing Today

## State-Compliant Investment Guidance

Every state has different laws about HOA investments. HOA LedgerIQ keeps you compliant:

- ✓ Permitted investment types by state
- ✓ Diversification requirements
- ✓ Fiduciary duty guidance
- ✓ Investment policy templates
- ✓ Regular compliance updates

## Start Maximizing Your HOA's Investment Income

Get personalized investment recommendations for your community — free during early access.

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No credit card required · 14-day free trial · State-compliant strategies