Active high-yield cash management. Exclusively for Titan members.
*
* Yield is as of 9/6/2024. 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.
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.
Assumes an individual who resides in New York City, is Married Filing Jointly, and has a household income of $400,000.
Institution | Pre-Tax | Post-Tax | Fees | Earnings |
|---|---|---|---|---|
| 5.22% | 3.55% | 0.20% | $3,339 | |
| 4.50% | 2.58% | - | $2,577 | |
| 4.50% | 2.58% | - | $2,577 | |
| 4.40% | 2.52% | - | $2,520 | |
| 4.40% | 2.52% | - | $2,520 | |
| National Savings Account Average | 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 money
Yield
Annual Pre-Tax Earnings
Annual After-Tax Earnings
5.22%*
$522
$329
High Yield Savings Account
$470
$234
Traditional Savings Account
0.46%
$46
$23
*Yield is as of 9/6/2024 and is the current 7-day yield, which is specific to VMFXX. 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.