The disposition of the assets is how the investor insures against contingencies, preparing for multiple possibilities with regard to when, where and for what they will need cash. At the least, there is a tradeoff between the rate of return and the liquidity. By allocating value across multiple assets, some can remain more available, and some can appreciate more.

Timing Some investment vehicles will make cash available sooner than others. Cash that becomes available before it is needed – for instance, as a bond matures – can be reinvested elsewhere. Expectations about when and where cash may be needed affect the timing of actions such as moving cash between assets of different liquidity. Thus, the disposition of one's financial resources may change over time, and timing may be an important part of how one's assets gain in value while remaining sufficiently available for disbursement.

Good planning Our system allows the financial planner to consider many combinations of how to arrange the disposition of financial resources, as well as various timings of cashing or reallocation actions. The analyst can compare many possibilities interactively, choosing the one that offers the greatest rate of return while making cash sufficiently available according to the various times, places and purposes that reflect possible investor needs. Thus, assets are held and transferred with a view to maximizing both value and utility.