Smart Treasury™

Active high-yield cash management with money market funds.
Exclusively for Titan members.

4.26%

* Yield is as of 12/20/2024. 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.

2024

Investopedia

Best for Earning a High Interest Rate

The Why

We built this product for our families, then released it to our members.

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.

It’s low-risk

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 Treasury 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.

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 Funds	4.50%	2.83%	0.20%	$2,626

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 12/20/2024 of a Money Market Fund offered in Titan’s Smart Treasury; (2) the APY offered by other institutions (data correct as of 12/20/2024); and (3) the National Savings Account Average rate calculated and reported by the Federal Deposit Insurance Corporation as of 12/20/2024 (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.

Are You Maximizing Your Cash?

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.

Get Smart Cash

State

Amount

Keep up to of your earnings

Yield

Annual Pre-Tax Earnings

Annual After-Tax Earnings

4.50%*

$450

$263

High Yield Savings Account

$470

$234

Traditional Savings Account

0.46%

$46

$23

*Yield is as of 12/20/2024 and is the current 7-day yield, which is specific to GABXX. The Yield is subject to change and will fluctuate, sometimes daily. Please note that the Yield is gross of the annual Advisory Fee of 0.20% & Titan Membership Fee.

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 Treasury 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 advisory fees. The Titan Membership Fee is not included in the Smart Treasury figures, which is separate from the advisory fee.

Disclosures

Smart Treasury consists of money market funds that primarily invest in U.S. Treasury and other U.S. government securities. It invests your available cash in the money market fund that aims to provide you with your highest anticipated after-tax yield among our options, taking into account factors such as your state of residence, tax filing status, adjusted gross income (or “taxable income”), and investment amount.

The advertised 7-day yields of the money market funds in Smart Treasury are not guaranteed, do not forecast future earnings, and are subject to market conditions. While these advertised yields are net of the money market fund’s fee expenses, they are not net of Titan’s annual Advisory Fee of 0.20% or the Membership Fee, as dividend payments from a money market fund are issued directly and do not automatically account for these Titan fees. Any earnings estimates provided by Titan account for the annual Advisory Fee but exclude the Membership Fee, since it is a flat dollar charge for access to the entire Titan platform and services beyond investment advisory, making it impractical to factor into these earnings estimates.

Titan's Smart Treasury strives for tax optimization, but after-tax calculations are estimates, and actual outcomes may vary. Titan maintains discretionary authority over your assets. Titan can provide general information and guidance, but it is not a tax professional, so any information provided should not be considered tax advice. Titan strongly recommends consulting a qualified tax professional for personalized tax advice and compliance with tax laws. Investments in Smart Treasury are not deposits and are not FDIC insured. For more information, refer to the Smart Treasury Risks & Disclosures document below.

Smart Treasury Risks & Disclosures