*Purchase a qualifying Life Insurance policy and place your cash in SMART Park to
enjoy 6% p.a. guaranteed returns for 90-day period.
For a limited time only!
Purchase a qualifying life insurance policy
Approach your existing Financial Advisor
Alternatively, you can look for one at
Phillip Investor Centres
or
Find a specialist online
&
Enjoy 6% p.a. guaranteed
returns
Enjoy 6% p.a. guaranteed returns
on your first S$50,000 of fresh funds placed
in SMART Park1. Subsequent top-ups will be at
1.7396% p.a.*2
Maintain your funds in the account for a 90-
day period3
1 If you are holding a POEMS equity account, please opt-in to SMART Park.
2 Rates are for SGD and updated as of 28 July 2025. Based on the average rate of annualized returns over the last rolling week.
Past performance is not necessarily indicative of future performance.
3 Start of the 90-day period guaranteed return period will be 14 days after the inception date of your insurance policy.
Refer to full Terms & Conditions for details.
How is the 6% p.a.
Guaranteed Returns Derived?
SMART Park Returns over 90-day period
We will top up the difference
What is SMART Park?
SMART Park is an Excess Funds Management Facility that invests and manages your cash automatically, on a discretionary basis, into the Phillip Money Market Fund.
It helps make your money work harder and smarter!
Real Returns, Not a Projection
Trusted with S$ 2+ Billion
Trusted Financial Institution
For more information, visit our product page here
Need assistance? Contact Us
Customer Service Hotline: 6531 1555
Email: talktophillip@phillip.com.sg
SMART Park invests in Money Market Funds (MMF) that have stricter investment guidelines – from investment grades, concentration limits and liquidity as compared to non-MMFs like Bond Funds.
We chose MMFs as liquidity and quality of the underlying are essential for capital preservation and stable returns to serve our Customers’ long term needs.
Frequently Asked Questions
Category | Policy Term | Minimum Premium | To be submitted by |
Savings/ Retirement/ Investment Linked Policies | Single Premium | S$50,000 | Application to be submitted by 30 September 2025 and policy to be issued by 31 October 2025 |
Regular Premium (Below 5 – Pay) |
S$25,000 Annual Premium | ||
Regular Premium (5 – Pay & Above) |
S$12,000 Annual Premium |
Please contact our Licensed Representatives for more information on the full list of qualifying insurance plans. Please check the Terms & Conditions for the exclusion list.
The 90-day period will commence 14 days after the successful inception date of the qualifying insurance plan’s policy. It will be calculated based on 90 calendar days.
Yes, you can make multiple deposits to accumulate your total deposits for the Promotion (capped at S$50,000). However, do note that the deposit must be credited to your account and placed into the Phillip Money Market Fund (PMMF) within the period between the Qualifying Insurance Plan’s sign-up date and two weeks after its inception date.
For example, if Client A policy sign up date is 1 Aug, policy Inception date is 15 Aug, funds must be credited between 1 Aug and 29 Aug (14 Days after 15 Aug).
Any debit transaction, including fee deduction, withdrawal, and trade settlement resulting in the account balance falling below the deposited value during the 30-day period will result in the Eligible Customer being disqualified from the Promotion.
After the 90-day period has ended, PSPL will top up the difference between the guaranteed returns of 6% p.a. and the SMART Park returns that your cash has made during the period.
Example:
Customer A funded S$50,000 and held the deposit of S$50,000 over 90 days.
He will get S$739.72 from the promotion
S$50,000 X [(6%/365 days) X 90 days] = S$739.72
Let’s say during this period, Customer A’s cash in SMART Park grew 1.7% p.a. for the 90-day period which equates to S$209.58 in valuation.
PSPL will credit the Bonus Returns of: S$739.72- S$209.58 = S$530.14
The Bonus Returns (i.e. difference between 6% p.a. and the underlying SMART Park return) will be paid out in SGD in your account.
The Bonus Returns (i.e. difference between 6% p.a. and the underlying SMART Park fund return) will be credited in lump sum to your account within 30 business days after the 90-day period ends. The 6% p.a. guaranteed returns consist of 2 components:
Individual Cash Plus, Cash Management, Margin, Prepaid, Custodian and advisory accounts.
No. Cash Trading and Share Financing Accounts are not eligible for this promotion. You may consider opening an eligible account type or converting your Cash Trading account to a Cash Management Account.
To convert to a Cash Management account, Login to POEMS 2.0 Website > Acct Mgmt > Stocks > Online Forms and complete the form. Cash Trading Account with existing GIRO facility has to be terminated before we can process the conversion to Cash Management Account.
Via POEMS 2 Web: Login > Acct Mgmt > Stocks > Account details > Summary of Portfolio > MMF
Via POEMS 3 Mobile App: Login > Home tab > View Returns in SMART Park widget.
Via Phillip MyWealth Mobile App:
Login > Home > SMART Park banner > View my Cash & Equivalents
Yes. You can continue to keep your idle cash in SMART Park to earn better returns and combat inflation.
SMART Park Rates shown on the website HERE are based on a 7-days annualised return with net income and dividends reinvested and calculated on a single pricing basis (NAV/NAV prices). Returns shown are net of fund expenses. Do note that past performance is not necessarily indicative of future performance.
Terms and Conditions
Purchase a qualifying Life Insurance policy and place your cash in SMART Park to enjoy 6% p.a. guaranteed returns* for a 90-day period.
Category | Policy Term | Minimum Premium | To be submitted by |
Savings/ Retirement/ Investment-Linked Policies | Single Premium | S$50,000 | Application to be submitted by 30 September 2025 and policy to be issued by 31 October 2025. |
Regular Premium (Below 5 – Pay) | S$25,000 Annual Premium | ||
Regular Premium (5 – Pay & Above) | S$12,000 Annual Premium |
Please contact our licensed representatives for more information on the eligible insurance policies.
*T&Cs apply
Terms & Conditions
Category | Policy Term | Minimum Premium | To be submitted by |
Savings/ Retirement/ Investment-Linked Policies | Single Premium | S$50,000 | Application to be submitted by 30 September 2025 and policy to be issued by 31 Oct 2025. |
Regular Premium (Below 5 – Pay) | S$25,000 Annual Premium | ||
Regular Premium (5 – Pay & Above) | S$12,000 Annual Premium |
Premium Term | Excluded Plans |
Single Premium | HSBC Life Wealth Invest Income Gro Annuity Pro Income WealthLink |
Regular Premium | Chinalife FlexiCash Growth China Taiping i-Saver8 |
Important Note:
This advertisement is intended for general information only and does not constitute a recommendation, an offer or solicitation to buy or sell the investment product mentioned.
All insurance products are subject to the limitations and conditions in the insurance policies and exclusions of the plans are specified in the respective policies from the insurance companies. Insurance products are obligations only of the insurance companies. They are not bank deposits or obligations of, or guaranteed by Phillip Securities Pte Ltd or any of its affiliates. Buying a life insurance policy is a long-term commitment.
Investments in investment-linked policies (ILP) are subject to investment risks including the possible loss of the principal amount invested. The value of the units and the income from them may fall as well as rise. You should read the product summary and product highlights sheet before deciding whether to subscribe for units in the ILP sub-fund.
You may wish to obtain advice from a financial adviser before making a commitment to purchase any investment products mentioned herein. In the event that you choose not to obtain advice from a financial adviser, you should consider whether the investment product is suitable for you.
This advertisement has not been reviewed by the Monetary Authority of Singapore.
Leave us your details and our licensed professional will be in touch within 1 week.