Smart Treasury
Smart Treasury is our alternative to a high-yield savings account—allocating cash to treasury money market funds with the goal of generating consistent, tax-efficient income and preserving liquidity.
About Smart Treasury
Smart Treasury is a cash management strategy, aiming to offer higher after-tax yields than traditional savings accounts by utilizing money market funds that predominately invest in U.S. treasuries and other U.S. debt securities. The income earned from Smart Treasury is generally anticipated to be exempt from state and local taxes, depending on the fund composition and your state of residence. Leveraging our curated universe of treasury money market funds, we automatically allocate your cash to the fund with the highest available after-tax yield for you—based on your personal tax situation, while also maintaining liquidity.
Key Facts
- Asset Class: Money Market Funds
- Current Yield: 4.23%*
- Advisory Fees: 0.20%
- Yield Scans: Daily
- Transfers: Daily
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Disclosures
*Yield is as of 4/23/2025. 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 Client Fee.
Smart Treasury consists of money market funds that primarily invest in U.S. Treasury and other U.S. government securities. It invests your 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. When Titan refers to the 'highest' yield, we are specifically referring to the highest yield available through the options offered in Smart Treasury. Any 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 Client 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 Client 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. Investments in Smart Treasury are not deposits, are not FDIC insured, and are not bank guaranteed—unlike traditional and high-yield savings accounts or other non-investment accounts. They 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. 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 short-term liquidity needs. 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 tax 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. For more information, refer to the Smart Treasury Risks & Disclosures document below.