Process

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Following a discriminating selection process grounded in rigorous research and proven through various credit cycles and market challenges, we utilize proprietary risk-management systems to evaluate opportunities and develop optimal strategies for each client.

Cash Investment Process

Our investment process begins with a top down approach by establishing our macro-economic outlook, combining qualitative research and analysis to build a portfolio framework that adds value through sector allocation decisions, maturity and duration bias, yield curve positioning, and finally security selection through solid credit research and risk management.
Our credit process involves identifying the universe of investment-grade issuers, industry and company analysis, and quantitative tests to come up with a customized focus list of securities.

Clients can receive customized investment solutions
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Investors should consider the investment objectives, risks, charges and expenses of any mutual fund carefully before investing. Contact your sales representative to obtain a prospectus that contains this and other information on a fund, and read it carefully before investing.

An investment in a money market fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although a money market fund seeks to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in a money market fund. Fund yields fluctuate. Short-term corporate, asset-backed, and municipal securities holdings, while rated in the highest rating category by one or more NRSRO (or if an unrated municipal, deemed of comparable quality by Dreyfus), involve credit and liquidity risks and risk of principal loss.

An investment in a stable value fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although a stable value fund seeks to preserve the value of your investment at a constant unit value, it is possible to lose money by investing in a stable value fund.

BNY Mellon Cash Investment Strategies short-duration portfolios are unregistered separate account products and differ from money market funds in terms of fees and portfolio structure, among other aspects. Also short duration portfolios involve higher risk of principal loss and are not designed to maintain a fixed share price. In addition, short-duration investments are subject generally to interest rate, credit, liquidity and market risks to higher degrees. Generally, all other factors being equal, bond prices move in the opposite direction of interest-rate changes and rate increases can produce price declines.

BNY Mellon Asset Management is the umbrella organization for The Bank of New York Mellon Corporation's affiliated investment management firms and global distribution companies. BNY Mellon Cash Investment Strategies is a division of The Dreyfus Corporation, a registered investment adviser and BNY Mellon Asset Management firm. All Dreyfus-managed money market mutual funds are structured within the confines of Rule 2a-7.

Securities are offered in the U.S. through MBSC Securities Corporation, a registered broker-dealer, distributor of the Dreyfus family of funds, and wholly owned subsidiary of The Bank of New York Mellon Corporation. Separate accounts are offered by BNY Mellon Cash Investment Strategies, a division of The Dreyfus Corporation, a registered investment advisor. Bank collective funds are unregistered products offered by The Bank of New York Mellon to qualified investors. BNY Mellon Asset Management is the umbrella organization for The Bank of New York Mellon Corporation's affiliated investment management firms and global distribution companies.

* Rankings based on 2007 year-end data. The rankings include assets managed by BNY Mellon Asset Management and BNY Wealth Management groups. Each ranking may not include the same mix of firms.

* Includes prior tenures at Standish Mellon Asset Management Company LLC and Mellon Bond Associates LLP, affiliates of Dreyfus, prior to joining BNY Mellon Cash Investment Strategies.