Be smarter with your savings

For investors looking for a low-risk, high return approach: the Smarter Money Active Cash strategy.

Smarter Money Active Cash

We harness the sheer power of savings to help you reach your financial goals. Through the Smarter Money Active Cash strategy you can now boost your savings through our mix of cash deposits and bonds in an actively managed investment portfolio. It's simple to access and you don't need loads of cash to start.

Our savings solution lets you earn consistent income and targets higher returns. Breaking it down, when you put money on deposit with a bank, the bank uses part of that money to make loans. Therefore, the interest rate you receive on your deposit is usually much lower than the interest rate the banks receive on loans. In most cases, you end up getting short changed.

The Smarter Money Fund takes a little more risk and works to close that gap, providing you with access to institutional investments that are not normally available to mums and dads and everyday people, targeting returns up to 1 - 2%* above the RBA cash rate. Put simply, we have created a fund that makes your savings work harder. It's our clever complement to cash deposits, without the obligation of a fixed term.

Smarter Money Active Cash
12 month net return*
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Why open a Smarter Money Fund?

Higher returns on your savings

Aiming for higher returns than traditional savings with a portfolio of both growth and value Aussie bank deposit and "A" grade credit rated floating rate notes.

24 x 7 Online access to your account

Online access to your account 24 hours a day, 7 days a week with our state of the art online platform, giving you real-time acess to distributions & transactions.

Low risk profile, conservative portfolio

Maintain the real value of the portfolio and protect the value of your portfolio against inflation. How we do we do it? Diversification and hard work!

Piece of mind , no entry or exit fees

No entry fee means less risk for our customers. We're so comitted to giving you a good return and great service, that we don't charge fees upfront and if you exit.

Consistently outperforming other investments

Smarter Money Active Cash total returns

Post-fees vs industry benchmarks

Last 12 months volatility = 0.40%
Reporting period: 12 months to 31st March 2017
Source: RBA, Bloomberg, Smarter Money Investments, Coolabah Capital

Smarter Money Active Cash strategy

An independently rated and recommended strategy targeting low-risk cash and fixed-income returns that exceed the RBA’s cash rate by 1%-2% pa after fees, over rolling 12 month periods.

We actively invests in a portfolio of Australian bank deposits and investment grade floating-rate notes with a dollar weighted average “A” credit rating. We do not invest in fixed-rate bonds (unless interest rate risk is swapped out), sub-investment grade bonds, debentures, AT1 hybrids, equities or overseas bonds.

We add value through active asset-selection with materially lower volatility and interest rate duration risk than traditional fixed interest funds.

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Now, see how we've been tracking

Our low-risk cash and fixed-income returns strategy is paying off and even as the markets gets tougher our returns cotinue to earn a better return.

Inception return p.a.*

Inception return p.a.*

Past 6 months

6 month net return*

12 month net return*

We actively invest in a portfolio of Australian bank deposits and investment grade floating-rate notes with a dollar weighted average “A” credit rating.
12 month net return*

Awards & Recognition

Have a question about Smarter Money?

Chances are, you'll find the answer in our FAQs but if you would like to talk to an expert about your options fill in the form below and we'll get back to you.

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Fund Manager

Learn more about Smart Money's proven track-record of delivering superior risk-adjusted returns in the liquid cash and short-term fixed interest asset-classes.

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*Important information

The information on this web page has been prepared by Smarter Money Investments Pty Limited ABN 64 153 555 867 (‘SMI’) as the Investment Manager of Smarter Money Fund (formerly called the Smarter Money Active Cash Fund) and is correct as at 30/11/16. OneVue RE Services Limited ABN 94 101 103 011 (‘OneVue’) is the Responsible Entity of the Fund and the issuer of the Product Disclosure Statement ('PDS'). It is general information only and is not intended to provide you with financial or investment advice. This information does not take into account your personal and financial circumstances, goals, objectives and needs. To the extent permitted by law, no liability is accepted for any loss or damage as a result of any reliance on this information. The PDS for the relevant Smarter Money fund should be considered before deciding whether to acquire or hold units in it. The PDS can be obtained by visiting www.ybr.com.au/smartermoney. None of the Responsible Entity, SMI, Yellow Brick Road Holdings Limited nor any of their respective shareholders, directors and associated businesses assume any liability to investors in connection with investment in the Fund, or guarantees the performance of any obligations to investors, the performance of the Fund or any particular rate of return. The repayment of capital is not guaranteed. Investments in the Fund are not deposits or liabilities of any of the abovementioned parties. The Fund is subject to investment risks, which could include delays in repayment and loss of income and capital invested. To learn more about these risks, we strongly encourage you to read the Fund’s PDS and consult an independent legal and financial adviser.