"A Cash Management proposition clearly enhances the Centralised Investment Proposition as a portfolio of investments, underpinned by a Cash Management Proposition is clearly better than one that isn't.">
A Centralised Investment Proposition, or CIP, should outline the type of investment advice, and the products involved, for different categories of client.
A cautious risk-based client with little investment experience should receive different advice and recommendations from an adventurous risk-based experienced investor.
The CIP should outline the processes and procedures to be followed in identifying the most suitable products availalbe for each client.
< "A CIP that has an Effective Cash Management proposition underpinning it is better than one that doesn't">
However, no matter what the client profile: