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Aim higher with your savings

Take your savings to the next level with higher yielding investments.

Smarter Money Higher Income

We harness the power of active investment strategies to help you reach your savings goals. Through the Smarter Money Higher Income Fund, you can seek to enhance your returns through our actively managed mix of cash deposits and Australian-issued, investment-grade bonds. It's simple to access online and you don't need loads of cash to start.

By investing in institutional bonds and deposits the Smarter Money Higher Income fund provides you with access to investments that are not normally available to mums and dads. These investments have historically paid higher interest rates and delivered superior returns compared to savings accounts with higher risk or day-to-day fluctuations in the value of your investment.

The Smarter Money Higher Income Fund is independently rated by third-party researchers and targets returns of 1.5 - 3%* pa above the RBA cash rate. It offered a running yield of 3.7% pa after all fees as at 30 April 2016. It's our clever complement to term deposits, without the obligation of a fixed term, and helps your savings work harder.

Smarter Money Higher Income
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!

Peace 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 Higher Income total returns

Post-fees vs industry benchmarks

Last 12 months volatility = 0.30%
Reporting period: 12 months to 30 April 2019
Source: RBA, Bloomberg, Smarter Money Investments, Coolabah Capital 

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

Smarter Money Higher Income strategy

An independently - rated/recommended strategy targeting low-risk cash and fixed-income returns that exceed the RBA’s cash rate by 1.5% - 3.0% p.a.* after fees, over a 12 month rolling period.
We actively invest in a portfolio of Australian bank deposits, floating - rate notes and hybrids with a target dollar - weighted average credit rating in the “A” band . We do not invest in fixed-rate bonds (unless interest rate risk is swapped out), 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

Inception return p.a.*

6 month net return*

6 month net return*

12 month net return*

Taking your savings up a notch with a fund that works harder.
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

Returns are net of fund fees over last 12 months. Other fees may apply – refer to the PDS. EQT Responsible Entity 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 ExchangeIQ Advisory Group 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.

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.