Introduction
Do you have money sitting in a bank savings account? Then you can probably earn more — without taking significant risk. With liquidity management, you are very likely to get higher returns than in a bank while still having easy access to your money. And now it’s even more favorable with the new 2026 tax rules!
Why choose liquidity management?
Benefits in bullet points (with simple explanations):
• Higher returns: If a bank savings account offers about 2.75% interest, liquidity funds typically yield 4–4.5% — that’s almost double!
• Tax advantage: From 2026, interest returns are not taxed until you withdraw the money. This means you can reinvest returns and benefit from the compound interest effect — without paying tax along the way.
• Security: Your money is easily accessible, just like in a savings account.
• Professional management: We select the best liquidity funds for you, ensuring optimal returns — at a low management fee of just 0.4%.
What exactly are liquidity funds?
Liquidity funds are a type of fund that invests in safe, short-term bonds. This means your money stays secure while earning better returns than in a bank. The funds are flexible, so you can withdraw your money whenever you want. The key difference between liquidity funds and a savings account is that liquidity funds provide higher returns and better tax conditions.
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Visual aids:
• A simple illustration of a piggy bank with an arrow pointing to a growing plant (symbolizing returns)
• A graph comparing savings account returns (2.75%) vs. liquidity funds (4–4.5%) over time
Tax benefit: Compound interest without annual taxation
From 2026, you don’t have to pay tax on interest returns until you withdraw the money. This allows your returns to grow without taxes eating into your gains. Imagine you have NOK 100,000 in an account. With 4% returns and no tax along the way, your money grows faster than in a bank, where taxes are paid annually. It’s like earning interest on interest — without taxes taking a share!
Visual aids:
• A simple animation or illustration showing money growing faster without annual taxation (e.g., a snowball rolling downhill and getting bigger)
• A table comparing the growth of NOK 100,000 over 5 years with and without tax
Is there any risk?
Liquidity funds are safe, but it’s important to know they do not have the same deposit guarantee as banks. This means there is a small theoretical risk, but in practice the chance of loss is minimal. The funds invest in secure instruments, and we only select the best ones for you. If you have more than NOK 2 million in a bank, liquidity management can be an even safer alternative, since the deposit guarantee only applies up to NOK 2 million.
Ready to earn more on your savings?
It’s easy to get started with liquidity management at NOON Invest. We handle everything — you just need to open an account and transfer the funds. We select the best funds for you so you get optimal returns — stress free.
Visual aids:
• A button or link leading to “Open account” or “Contact us for more information”
• An illustration of a person pressing a button and seeing an upward-trending graph
Liquidity management vs. bank savings account
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Feature Liquidity Management Bank Savings Account
Returns 4–4.5% 2.25–2.75%
Taxation Only upon withdrawal Annual
Accessibility Easy access Easy access
Risk Minimal None
Management fee 0.4% None
Example over 10 years with NOK 100,000 invested:
• Bank: 123,600
• Liquidity fund: 162,200
• Excess return: 38,600
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