Active high-yield cash management. Exclusively for Titan members.
*
* Yield is as of 1/22/2024. 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. Please note that the yield is gross of the annual Advisory Fee of 0.20% & Titan Membership Fee.
Investopedia
Best for Earning a High Interest Rate
Give us the burden of managing your cash
We’re always hunting for the highest after-tax yield in low-risk Treasury money market funds. If we find a higher rate for you, we automatically move your cash to it. While you sleep, your cash is working for you.
It’s low-risk & 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 U.S. government.
You can access 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 a few 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.
Institution | Category | Pre-Tax | Post-Tax | Fees | Earnings |
|---|---|---|---|---|---|
| Money Market Funds | 4.94% | 3.11% | 0.20% | $2,902 | |
| High Yield Cash Account | 4.50% | 2.58% | - | $2,577 | |
| High Yield Savings Account | 4.50% | 2.58% | - | $2,577 | |
| High Yield Savings Account | 4.40% | 2.52% | - | $2,520 | |
| High Yield Savings Account | 4.40% | 2.52% | - | $2,520 | |
| National Savings Account Average | High Yield Savings Account | 0.46% | 0.26% | - | $263 |
Just going after a high yield 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 Treasury funds which can offer tax benefits. We scan across our treasury holdings to match you to your best after-tax rate based on your personal tax details.
Keep up to of your earnings
Yield
Annual Pre-Tax Earnings
Annual After-Tax Earnings
4.94%*
$494
$290
High Yield Savings Account
$470
$234
Traditional Savings Account
0.46%
$46
$23
*Yield is as of 1/22/2024 and is the current 7-day yield, which is specific to MJGXX. 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 August 2024; and defaults to the average deposit rate outlined by FDIC as of August 2024 for Traditional Savings. 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 0.20% annual advisory fee but the Annual After-Tax Earnings are net of fees. The Titan membership fee of $25/month (or $250/year if paid upfront) is not included in the Smart Cash figures, which is separate from the advisory fee.
Please note that the 7-day yields of our Treasury Funds do not forecast future earnings. Advertised yields are gross of the annual Advisory Fee of 0.20% and Titan Membership Fee. Yields are subject to market conditions and are not guaranteed. Titan's Smart Cash strives for tax optimization, but after-tax yields are estimates, and actual outcomes may vary. 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. 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.