YBR

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
2.98%
12 month net return*
Compare Smarter Money Funds

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 access 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!

Peace of mind , no entry or exit fees

No entry fee means less risk for our customers. We're so committed 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 = 0.18%
Reporting period: 12 months to 30 September 2017
Source: RBA, Bloomberg, Smarter Money Investments, Coolabah Capital

Past performance is not indicative of future performance. Read the PDS for more details.

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.

Learn more
Compare Smarter Money services

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 continue to earn a better return.

Inception return p.a.*

3.36%
Inception return p.a.*

Past 6 months

1.23%
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.
2.98%
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.

Please enter your first name
Please enter your last name
Please enter valid email address
Please enter contact number
Please enter postcode
Please enter your question
Please select reason for enquiry

Ask about our new online investment platform where you can get an up to date view of how your money is being invested, income on investment, easy to use reporting menu and much more.

Put your money to work

Talk to an expert

Let us know your enquiry using the form below. We need to know your contact details, and a time that suits you. The right person will call you back within one business day.

Request a call back

Log in

Log in to your account to view transactions, monitor performance in your reports, view income distributions and check your current holdings.

 

Log in now

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.

Find out more

*Important information

Returns are net of fund fees over last 12 months. Other fees may apply – refer to the PDS. OneVue RE Services Limited ACN 101 103 011, AFSL 223271 (the “Responsible Entity”) is the responsible entity of the Smarter Money funds and is the issuer of the units in the Smarter Money funds and the Product Disclosure Statement (PDS) . The Responsible Entity has appointed Smarter Money Investments Pty Limited ACN 153 555 867 Authorised Representative number 414337 (“SMI”) as investment manager of the Fund. SMI is an authorised representative of Yellow Brick Road Investment Services Pty Limited ACN 003 990 627, AFSL 255016.

Yellow Brick Road Holdings Limited ACN 119 436 083, a company listed on the Australian Securities Exchange (ASX Code: YBR), is a major shareholder in SMI.

The information has been prepared by SMI. It is general information only and is not intended to provide you with financial advice. 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 Product Disclosure Statement (PDS) for the relevant Smarter Money fund should be considered before deciding whether to acquire or hold units in it. 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 above mentioned parties. The Fund is subject to investment risks, which could include delays in repayment and loss of income and capital invested. Investments can go up and down. Past performance is not indicative of future performance. To learn more about these risks, we strongly encourage you to read the Fund’s PDS and consult an independent legal and financial adviser.

Morningstar Rating: Copyright 2017 Morningstar, Inc. All rights reserved. Neither Morningstar, its affiliates, nor the content providers guarantee the data or content contained herein to be accurate, complete or timely nor will they have any liability for its use or distribution. Any general advice or 'class service' have been prepared by Morningstar Australasia Pty Ltd (ABN: 95 090 665 544, AFSL: 240892) and/or Morningstar Research Ltd, subsidiaries of Morningstar, Inc, without reference to your objectives, financial situation or needs. Refer to our Financial Services Guide (FSG) for more information at . You should consider the advice in light of these matters and if applicable, the relevant Product Disclosure Statement (Australian products) or Investment Statement (New Zealand products) before making any decision to invest. Our publications, ratings and products should be viewed as an additional investment resource, not as your sole source of information. Past performance does not necessarily indicate a financial product's future performance. To obtain advice tailored to your situation, contact a professional financial adviser. Some material is copyright and published under licence from ASX Operations Pty Ltd ACN 004 523 782 ("ASXO"). Rating Definition: The Morningstar Rating is an assessment of a fund's past performance - based on both return and risk - which shows how similar investments compare with their competitors. A high rating alone is insufficient basis for an investment decision.

Lonsec Rating: The Lonsec Rating (assigned April 2017) presented in this document is published by Lonsec Research Pty Ltd ABN 11 151 658 561 AFSL 421 445. The Rating is limited to “General Advice” (as defined in the Corporations Act 2001 (Cth)) and based solely on consideration of the investment merits of the financial product(s). Past performance information is for illustrative purposes only and is not indicative of future performance. It is not a recommendation to purchase, sell or hold Smarter Monday Investments product(s), and you should seek independent financial advice before investing in this product(s). The Rating is subject to change without notice and Lonsec assumes no obligation to update the relevant document(s) following publication. Lonsec receives a fee from the Fund Manager for researching the product(s) using comprehensive and objective criteria. For further information regarding Lonsec’s Ratings methodology, please refer to our website.