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.
.webp)
Enjoy security and flexibility
Our team has constructed a portfolio that is strategically diversified across money market funds and overnight rate-tracking ETFs. This low-risk strategy focuses on capital preservation and liquidity.
- Spread across multiple institutions to protect against counterparty risk.
- No long commitments or locking your money away. Capital at risk.
.webp)
Please remember, investing should be viewed as longer term. Your capital is at risk - the value of investments can go up and down, and you may get back less than you put in.
Outpace traditional savings accounts
Unlock higher growth potential and stay ahead of inflation - so your money doesn’t just sit there, it actively grows.
- Aims to provide a higher return than traditional savings accounts.
- All returns are automatically reinvested, allowing your money to grow incrementally over time through compounding.
Why add Smart Cash to your portfolio?
Our dedicated team is focused on maximising your wealth.
Aims for Stable Growth
A cash-like money market portfolio with automatic reinvestment, helping your money grow over time.
Low Risk
Invest in high-quality, short-term assets, designed to preserve capital and reduce market volatility.
High Liquidity
Easily access your funds when needed, with funds returned within 2 working days.
Get set up quickly
Your new way to wealth starts here
Modern tools. Human expertise. More control.
Any questions on Smart Cash?
Quick answers to your top questions
Is Smart Cash safe?
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.
Who manages Smart Cash?
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.
Can Smart Cash lose value?
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.
What are the fees for the Smart Cash portfolio?
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:
- ETF costs: Any ETFs contained within the portfolio incur annual fund fees which cover the ETF fund management and transaction costs. They are charged by the ETF not by Sidekick and are deducted from the value of your investments and are subject to change.
- Market Spread: When we buy and sell assets on your behalf, the value of the price we pay will be impacted by "market spread". This is the difference between the price to buy and the price to sell - this can have have an impact on fees.
- Government or ancillary costs: E.g. UK Stamp Duty: 0.5% (applied by the UK Government when buying UK stocks electronically) and UK PTM levy: £1 on trades above £10k. These pass-through fees are subject to change and will be adjusted according to modifications by the Regulatory Authority.