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 5.33%*
With Smart Cash, we'll find you the highest rates on Titan. We scan across our Treasury and Cash options and factor in personal tax details to make sure you’re getting your highest rate not only before, but after tax. It’s time to get the most out of your money.
Daily rate scans
Money moved automatically
Potential tax savings
Low risk treasury funds
No advisory fees
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 money
Annual Pre-Tax Earnings
Annual After-Tax Earnings
High Yield Savings Account
Traditional Savings Account
*Yield is as of 9/22/2023 and is the current 7-day yield, which is specific to GABXX. 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.
These funds meet our criteria, which includes competitive yields, substantial fund net assets, reputable asset management, and the inclusion of U.S. Government obligations within their portfolios.
More Coming Soon
*Yields are as of 9/22/2023. 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.
It can be a nightmare trying to figure out where to store cash you need to keep available. Skip the hassle. We’ll scan for better rates on a daily basis and automatically move your money into the cash equivalent that will get the most for you.Start earning
Did you know you could be shelling out in taxes on the interest from your savings? We hated that, so we addressed it. Some of the income from treasury funds may have tax advantages depending on your personal details. Don’t just stop at the top-line. Solve for your bottom line.Start earning
Your money will only be put into cash equivalents that are low-risk, liquid, and come with insurance. That can make it a great place for people who need to hold more cash — like prospective home buyers, people between jobs, and new parents with more expenses.Start earning
Yes, you read that correctly. Smart Cash has no Titan advisory fees. The underlying treasury money market funds have expense ratios that range from 0.08% - 0.34%, but the current yield shown is already net of these fees.
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.
Assumes an individual who resides in New York City, is Married Filing Jointly, and has a household income of $400,000.
Product Fees (Annual)
Take Home $ on $100,000
|National Savings Account Average||Savings||0.43%||0.25%||-||$246|
*Yield is as of 9/22/2023. This represents the highest 7-Day Yield currently available among our options. Certain funds have specific investment minimums, which can be up to $10,000. 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.
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Please refer to Titan's Program Brochure for important additional information. Certain investments are not suitable for all investors. Before investing, you should consider your investment objectives and any fees charged by Titan. The rate of return on investments can vary widely over time, especially for long term investments. Investment losses are possible, including the potential loss of all amounts invested, including principal. Brokerage services are provided to Titan Clients by Titan Global Technologies LLC and Apex Clearing Corporation, both registered broker-dealers and members of FINRA/SIPC. For more information, visit our disclosures page. You may check the background of these firms by visiting FINRA's BrokerCheck.
Various Registered Investment Company products (“Third Party Funds”) offered by third party fund families and investment companies are made available on the platform. Some of these Third Party Funds are offered through Titan Global Technologies LLC. Other Third Party Funds are offered to advisory clients by Titan. Before investing in such Third Party Funds you should consult the specific supplemental information available for each product. Please refer to Titan's Program Brochure for important additional information. Certain Third Party Funds that are available on Titan’s platform are interval funds. Investments in interval funds are highly speculative and subject to a lack of liquidity that is generally available in other types of investments. Actual investment return and principal value is likely to fluctuate and may depreciate in value when redeemed. Liquidity and distributions are not guaranteed, and are subject to availability at the discretion of the Third Party Fund.
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