Smart Cash
A smarter alternative to savings
A low-risk money market portfolio that aims to offer higher returns than traditional savings accounts while maintaining access to your money.
When investing, your capital is at risk.
A low-risk money market portfolio that aims to offer higher returns than traditional savings accounts while maintaining access to your money.
Unlock higher growth potential to stay ahead of inflation - so your money doesn’t just sit there, it actively grows
Our team has constructed a money market portfolio that invests in diversified, low-risk assets. This managed portfolio tracks a trusted benchmark, providing a low risk way to manage your money while ensuring easy access.
Our dedicated team is focused on maximising your wealth.
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Tap the cash management card on your home screen and choose Smart Cash.
Follow the simple on-screen instructions to set up your account in minutes.
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Deposit funds into your Sidekick wallet and add them to your Smart Cash portfolio.
Quick answers to your top questions
Smart Cash invests in low-risk, short-duration fixed income assets, but it is still an investment product. The value can go up or down, and capital is at risk. However, these instruments are considered relatively stable compared to other asset classes.
Smart Cash is managed by Sidekick, using funds from top-tier managers like BlackRock. We actively monitor and rebalance the allocation to target the best mix of yield, liquidity, and risk.
Yes. While the risk is low, Smart Cash is an investment, not a savings product. The value of your holdings can fluctuate, particularly with interest rate changes. That said, the underlying funds invest in short-term, high-quality instruments designed to preserve capital and offer liquidity.
With Smart Cash, you get:
1. A curated blend of funds for enhanced diversification
2. Active rebalancing by Sidekick
3. No DIY trading or portfolio admin
4. A consolidated view and simple withdrawal flow
It’s built for convenience, optimisation, and simplicity - ideal if you want professional-grade cash management without the hassle.
We try to be as transparent as possible about our fees and to keep costs down. Here is a link to our full fees and charges schedule.
To summarise, for the Smart Cash portfolio, we charge 0.50% AuM-based fees per year. This is charged as a percentage of your investment amount, and is billed monthly.
In addition, we pass through some additional trading and product, government and ancillary fees, which we call 'Portfolio Expenses'. For Smart Cash, we estimate this to be 0.10%. This includes:
Join Sidekick and access expert-led investments and savings designed for people serious about growing their money.
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