Compare Smart Treasury to Savings Accounts.

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

Institution

Category

Pre-Tax

Post-Tax

Fees

Annual Earnings

Money Market Funds4.39%2.77%0.20%$2,557

Assumptions: The above chart is for informational purposes only and assumes the individual resides in New York City, is married and filing jointly, has an annual household income of $400,000, and is depositing $100,000 into a taxable account. To calculate the post-tax yield, we assume a marginal federal tax bracket of 32%, a state tax bracket of 6.85%, a local tax bracket of 3.876%, and account for any fees specific to each institution’s product offering in the net calculation from its pre-tax yield. The annual earnings are calculated by multiplying the post-tax yield by a $100,000 deposit. The chart compares estimated post-tax yields and annual earnings calculated from: (1) the 7-day Yield as of 1/10/2025 of a Money Market Fund offered in Titan’s Smart Treasury; (2) the APY offered by other institutions (data correct as of 1/10/2025); and (3) the National Savings Account Average rate calculated and reported by the Federal Deposit Insurance Corporation as of 1/10/2025 (Source: FDIC Website).The yield presented for Titan represents the highest 7-Day Yield currently available among our options. Certain money market 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 pre-tax and post-tax yields presented for Titan do not account for the annual 0.20% advisory fee for Smart Treasury, but the Earnings figure reflects post-tax earnings net of advisory fees. Please note that the Membership Fee is not included in the Smart Treasury figures, which is separate from the advisory fees as shown in the chart.The post-tax estimates for Smart Treasury assume that the current 7-Day Yield remains constant for a year, but actual earnings may vary due to the fluctuating nature of a Money Market Fund’s 7-Day Yield. Smart Treasury’s post-tax estimations consider the percentage of a Money Market Fund's holdings in government securities, such as U.S. Treasuries, and whether any earnings are exempt from state and local taxes. The pre-tax yields shown for other institutions that represent their APY offerings account for the effects of compounding.Material Differences in Comparisons: Please note that investments in Smart Treasury are securities and are not insured by the FDIC, making them subject to market risk and potential loss of principal. Non-investment accounts, such as savings accounts, are FDIC insured, providing deposit insurance coverage for depositors’ money in the event of an FDIC-insured bank failure.Money Market Funds are subject to regular-way trade settlement periods and brokerage procedures, which can delay the availability of cash for withdrawal compared to non-investment accounts, such as High Yield Savings Accounts. Non-investment accounts generally offer faster access to cash due to quicker liquidity and are more readily transferable to your bank account. Please keep these differences in mind when determining the best option for managing your liquidity needs.Other Disclaimers: 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 post-tax earnings may be higher or lower, depending on numerous factors including the frequency of compounding, variability of the yield, and individual tax situations.It’s important to note that some of the institutions included in this comparison may also offer investments in money market mutual funds, similar to the securities available in Smart Treasury. However, the purpose of this comparison is to emphasize the potential tax benefits of earnings from government securities, including state and local tax exemptions. As such, we are comparing Smart Treasury to products that do not offer these specific tax benefits.All investments involve risks. Nothing in this content should be construed as investment advice. View Smart Treasury risks & disclosures at titan.com/smart-treasury-disclosures.

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