Pacific Highlands Treasury Management LLC

PGK Purchasing Power & Safe‑Yield Decision Dashboard

PGK 100,000
Hold Kina vs convert to USD and invest safely
Optional: Management
0.25 (fallback)
Starting PGK
PGK 100,000
Today’s buying power
Hold PGK (1 yr)
PGK 88,000
Real value: PGK 81,481
Convert to USD + Invest (1 yr)
PGK 104,500
Real value: PGK 96,759
Difference
PGK 16,500
Convert + invest ahead

PGK vs USD (1‑Year)

Chart auto-scales for mobile.

Baseline erosion vs USD money market

This view uses PNG inflation + FX erosion assumptions and a USD safe yield. The visual compares “doing nothing in PGK” to “converting and investing in USD”.

PNG inflation (annual)8.0%
PGK erosion vs USD4.0%
USD money market yield4.5%
Current FX (USD per PGK)0.25

Multi‑Year Projection

Projections 1–10 years will appear here. The scenario selector above will carry through.

Investment Options

Safe‑yield options comparison table will appear here (USD money market, T‑Bills, AUD basket, etc.).

Full Simulator

Custom assumptions simulator will appear here. Users will be able to override inflation, FX drift, and yields.

Currency Baskets

Comparison with AUD, EUR, SGD, PHP baskets will appear here.

Risk Models

Best/base/worst‑case paths will appear here.

Currency Heatmap

Relative strength map will appear here.

PNG Inflation Tracker

Historical inflation trend and outlook will appear here. Assumptions will sync with the scenario selector.

Summary

Decision summary will appear here.

Optional: Management Fee (0.5% Treasury Fee + 0.5% Church Console Donation)

Deposits below PGK 1,000,000
USD $10 / month total
Management fee USD $5 / month
Church console donation USD $5 / month
Deposits at or above PGK 1,000,000
USD $14 / month total
Management fee USD $7 / month
Church console donation USD $7 / month
What the fee provides
  • Deposit allocation to a member-selected safe money-market option.
  • Multi-account treasury administration across Mercury sub-accounts (to stay within deposit ceilings).
  • Monthly reporting of nominal and real purchasing power.
  • Compliance recordkeeping and contributor ledger.
  • Auditable church console transfers into a dedicated Mercury sub-account invested in a money-market fund.
Participation is optional. Members may also hold PGK or self-convert without any fee. The church console portion is donated to the tribal church console and held in a separate Mercury sub-account invested in a money-market fund.
Access to Your Funds
Upon request, funds can be transferred from your money-market fund to your Mercury Bank debit card. Upon confirmation of transfer and notification, funds will become available in your ATM balance.

Processing Time: Funds requested for transfer or withdrawal are typically processed during standard business hours and may take 1–3 business days to become available in your linked account.

Note: There is a $5 transaction fee for each money-market withdrawal.

Request Information

Send your details and we’ll follow up with deposit options and onboarding steps.