Smart Cash™

Active high-yield cash management. Exclusively for Titan members.

4.64%

* Yield is as of 10/28/2024. 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. 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.

Compare Between Alternatives.

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	4.88%	3.07%	0.20%	$2,865

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. It compares estimated after-tax yields and annual earnings calculated from: (1) the 7-day Yield as of 10/28/2024 of a Money Market Fund offered in Titan’s Smart Cash; (2) the APY offered by other service providers (data correct as of 10/28/2024); and (3) the National Savings Account Average rate calculated and reported by the Federal Deposit Insurance Corporation as of 10/28/2024 (Source: FDIC Website). The yield presented for Titan 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 will fluctuate over time, and are not a forecast or guarantee of future earnings. The pre-tax and after-tax yields presented for Titan do not account for the annual 0.20% advisory fee for Smart Cash, but the Earnings figure reflects post-tax earnings net of advisory fees. Please note that the 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 fees as shown in the table.The after-tax estimations for Smart Cash assume that the current 7-Day Yield remains constant for a year, which may not reflect actual earnings due to the fluctuating nature of a Money Market Fund’s 7-Day Yield. Smart Cash’s after-tax estimations consider the percentage of a Money Market Fund's holdings in U.S. debt obligations. The yields shown for other service providers represent their APY offerings, which account for the effects of compounding.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 after-tax earnings may be higher or lower, depending on numerous factors including the frequency of compounding, variability of the yield, and individual tax situations.Please note that money in Smart Cash is held in a brokerage account and is not insured by the FDIC, making it subject to market risk and potential loss of principal. High Yield Savings Accounts are FDIC insured, providing protection against bank failure. High Yield Cash Accounts may also be FDIC insured, depending on the provider. Brokerage accounts are SIPC insured up to $500,000 in the event of brokerage firm failure. SIPC insurance does not protect against market losses or guarantee investment value. For more details, visit www.sipc.org. All investments involve risks. Nothing in this content should be construed as investment advice. View Smart Cash risks & disclosures at titan.com/smart-cash-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

4.88%*

$488

$286

High Yield Savings Account

$470

$234

Traditional Savings Account

0.46%

$46

$23

*Yield is as of 10/28/2024 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 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.

Don’t just take our word for it

“I don't think you should keep a few hundred million sitting in the bank account. Ever. I don't care what bank it is. Other than cash we need for daily needs, we keep that number pretty small. Everything else is in a US Treasury Money Market Account, or we own US Treasury Bills directly. So we're not taking bank risk. We're just facing the US Sovereign [risk].”

Bill Ackman

Founder of Pershing Square Capital Management

“Money markets pay 5% and they’re incredibly safe. It’s a great place to park cash while deciding what you want to do.”

Tom Essaye

Founder of Sevens Report Research

“One investment class that has seen big inflows this year is also one of the humblest: money-market funds.”

The Best Money-Market Funds

Barron’s

“With markets rocky and cash earning 5% or more, investors have boosted their holdings of money-market funds to a near-record $5.6 trillion, according to the Investment Company Institute. Both individuals and institutional investors are piling in—asset managers now have roughly one-fifth of their portfolios in money-market funds, State Street data show.”

How This Year’s Hottest Investment Could End Up Costing You

The Wall Street Journal

Disclosures

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.

Smart Cash Risks & Disclosures