Move Money to Better Rates, Automatically.

Smart Cash automatically moves your money between Cash Reserve and Treasury Money Market Funds on Titan when a better rate is found for you. Currently up to 5.29%*. Fees apply.

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2024

Investopedia

Best for Earning a High Interest Rate

Pre-Tax YieldAfter-Tax YieldTake Home $ on $100,000

Smart Cash

5.29%3.60%$3,334
5.00%2.86%$2,864
0.15%0.09%$86
0.01%0.01%$6
0.01%0.01%$6

Assumes an individual who resides in New York City, is Married Filing Jointly, and has a household income of $400,000. The yield shown does not account for the annual advisory fee, but Take Home $ reflect post-tax earnings net of fees. See details

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Refer Friends To Both Get 6.00%*.

Smart Cash is currently yielding up to 5.29%², but when you refer a friend, you’ll both earn 6.00%³ yield for the next 3 months. These referrals “stack”, too — meaning you can refer up to 4 friends and earn a 6.00% yield for the next 12 months. Head into the app to refer your friends.

Easy to set up with no strings attached

Unlimited withdrawals & transfers

SIPC protected. Deposits are SIPC insured up to $500,000¹

No maximum to earn 5.29% yield

Smart Cash TL;DR

Actively Managed

We scan daily to compare yields across the available money-market funds on Titan to ensure you're earning the highest available yield. There is a 0.25% Annual Advisory fee to manage, trade, and automatically optimize your funds within Smart Cash.

Low-Risk and Protected

Your investment is SIPC insured up to $500,000¹ and Treasury Money Market Funds are considered one of the lowest risk places to hold cash as the majority of the underlying securities are backed by the full faith and credit of the U.S. government.

Access Your Funds with Ease

Smart Cash is highly liquid, allowing you to start a withdrawal at any time. Withdrawals can be made without penalties or waiting on maturity dates, and typically are completed within 3-4 business days.

1 Brokerage accounts are protected by SIPC insurance in the event of a brokerage firm failure. SIPC provides coverage up to $500,000 for securities and cash held in the account, with a maximum of $250,000 for cash. This insurance does not protect against market losses or guarantee investment value. For more details, visit www.sipc.org.

Compare Between Alternatives.

Assumes an individual who resides in New York City, is Married Filing Jointly, and has a household income of $400,000.

Category

Pre-Tax Yield

After-Tax Yield

Product Fees (Annual)

Take Home $ on $100,000

Smart Cash

Cash Equivalents
5.29%3.60%0.25%$3,334
Treasury Bills5.30%3.60%0.60%$2,972
Savings5.00%2.86%-$2,864
Savings5.00%2.86%-$2,864
Savings5.00%2.86%-$2,864
Savings5.00%2.86%$60$2,804
Savings4.70%2.69%-$2,692

The above chart is for informational purposes only. It compares estimated after-tax yields and annual earnings calculated from: (1) the 7-day Yields as of 6/21/2024 of Vanguard Treasury Money Market Fund (VUSXX) and the Schwab U.S. Treasury Money Fund (collectively the “Treasury Funds”) offered in Titan’s Smart Cash; (2) the annualized 26-week T-bill rate as of 2/16/2024 when held to maturity offered by Public Holdings, Inc.; (3) the APY offered by other service providers (data correct as of 4/1/2024); and (4) the National Savings Account Average rate calculated and reported by the Federal Deposit Insurance Corporation as of 3/18/2024 (Source: FDIC Website). Certain funds have specific investment minimums, which can be up to $3,000. Investors who invest amounts below these minimums may experience lower yields than those advertised. Yields will fluctuate over time, and are not a forecast or guarantee of future earnings.The after-tax estimations for our Treasury Funds assume that the current 7-Day Yields remain constant for a year, which may not reflect actual earnings due to the fluctuating nature of the 7-Day Yields. Our Treasury Funds' after-tax estimations consider the percentage of a Fund's holdings in U.S. debt obligations. The yields shown for other service providers represent their APY offerings, which account for the effects of compounding.The estimations assume certain tax rates and financial circumstances that do not apply to every individual. The exact figures depend on a multitude of factors including federal and state tax rates, and the individual's income and tax filing status. The figures presented are based on assumptions and may not apply to all individual circumstances. Actual after-tax earnings may be higher or lower, depending on numerous factors including the frequency of compounding, variability of the yield, and individual tax situations.All investments involve risks. Nothing in this content should be construed as investment advice. View Smart Cash risks & disclosures at titan.com/smart-cash-disclosures.

Are You Maximizing Your Interest?

Just going after a high APY may sound like a good idea, but in many states, taxes can leave you with an unexpected hit. That’s why Smart Cash includes access to money market funds investing primarily in US Treasuries, which can offer tax benefits on earned interest. We scan across our available options to match you to your best after-tax rate based on your personal tax details. It’s time to keep more of what you earn.

Keep up to of your earnings

Yield

Annual Pre-Tax Earnings

Annual After-Tax Earnings

Smart Cash™

5.29%*

$529

$333

High Yield Savings Account

$450

$224

Traditional Savings Account

0.46%

$46

$23

*Yield is as of 6/21/2024 and is the current 7-day yield, which is specific to VUSXX. The 7-Day Yield is subject to change and will fluctuate, sometimes daily.

The above table is for illustrative purposes only and calculations are estimates. This calculator assumes the highest income tax rate per state for a Married Individual filing Jointly and depositing into a taxable account. It also assumes the current yields remain constant for the duration of one year; which is unlikely for Smart Cash due to the fluctuating nature of the 7-Day Yield. Actual tax savings may be less for a variety of reasons, including if you are in a lower income rate or if a different tax filing status applies. The APY for the High Yield Savings Account defaults to the average of the best high yield savings accounts, compiled by NerdWallet.com as of July 2023; and defaults to the average deposit rate outlined by FDIC as of July 2023 for Traditional Checking. All investments involve risk. Current yield is not a forecast or guarantee of future earnings. You should consult your legal, tax, or financial advisor before making any financial decisions.

The yield and pre-tax earnings shown are not inclusive of Titan's 0.25% annual advisory fee but the Annual After-Tax Earnings are net of fees.

One Deposit, Multiple Funds.

Deposit into Smart Cash, tell us your tax circumstances, and we move your money to the many cash and cash equivalents on Titan.

We're always looking at adding new cash equivalents. We're rigorous with our criteria by which we select funds for Smart Cash. Funds must have competitive yields, substantial fund net assets, reputable asset management, and the inclusion of U.S. Government obligations within their portfolios.

Vanguard

VUSXX

5.29%*

$3,008 min.

Gabelli

GABXX

5.26%*

$1,003 min.

Schwab

SNSXX

5.02%*

$0 min.

New

Fidelity

SPAXX

4.96%*

$0 min.

New

Dreyfus

DTJXX

4.92%*

$2,506 min.

More Coming Soon

*Yields are as of 6/21/2024. These are the current 7-Day Yields of our available money market funds, which will fluctuate and are not a forecast or guarantee of future earnings. Additional Advisory Fee of 0.25% applies.

Don’t Just Take Our Word For It.

Sophisticated investors are putting their cash into government money market funds.

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I don't think you should keep a few hundred million sitting in the bank account. Ever. I don't care what bank it is. Other than cash we need for daily needs, we keep that number pretty small. Everything else is in a US Treasury Money Market Account, or we own US Treasury Bills directly. So we're not taking bank risk. We're just facing the US Sovereign [risk].

Bill Ackman

Founder of Pershing Square Capital Management

More Details.


Disclosures.

*Yield is as of 6/21/2024. This represents the highest 7-Day Yield currently available among our options. Certain funds have specific investment minimums, which can be up to $3,000. Investors who invest amounts below these minimums may experience lower yields than those advertised. Yields are subject to change and will fluctuate over time.

Titan's Smart Cash strives for tax optimization, but after-tax yields are estimates, and actual outcomes may vary. Yields are subject to market conditions and are not guaranteed. Smart Cash includes the Titan Cash Reserve and Treasury Fund offerings available on Titan, each with unique characteristics and risks. Titan maintains discretionary authority over your assets. Please note, the 7-day yields of our Treasury Funds do not forecast future earnings. While Titan can provide general information and guidance, any information provided should not be taken as tax advice as Titan is not a tax professional. Titan strongly recommends consulting with a qualified tax professional regarding your specific tax situation for personalized advice and compliance with tax laws. For more information, view the disclosure document below for Smart Cash Risks & Disclosures.

Cash Management

Smart Cash

Smart Cash FAQs

Cash Options

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