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Enjoy Upsized Earnings​

For a limited time only, we’re offering upsized earnings of 1.5% p.a. on top of the rates SMART Park grows at! Deposit into SMART Park and enjoy upsized earnings!
 
Start from as low as S$100! 

Rate updated as of 29 May 2023.
#Based on the average rate of annualised returns over the last rolling week.
Past performance is not necessarily indicative of future performance. View disclaimer.

View Product Infosheet here

SMART Park Rates:

Return (7 day) Annualised*

SGD

2.9488%p.a.

Rate updated as of 29 May 2023.
#Based on the average rate of annualised returns over the last rolling week.
Past performance is not necessarily indicative of future performance. View disclaimer.

Minimum
Holding Period
1 month
 
Deposit Amount
S$100-S$10,000
 
Potential Returns

2.94%p.a.    +1.5%

Return (7 day) Annualised*

Minimum Investment Period
1 month
 
Deposit Amount
S$100-S$10,000
 
Potential Returns

2.94%p.a.    +1.5%p.a.

Return (7 day) Annualised*

Why SMART Park

SMART Park is an Excess Funds Management Facility that invests and manages your idle cash automatically, at discretion.
Make your money work HARDER and SMARTER!
No lock-in period
 
Withdraw anytime! Cash will be back into your linked bank account on the same day!
Do note that In order to enjoy upsized returns, there is a minimum investment period of 1 month               
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Real Return, Not Projection
 
Rates illustrated are real returns!
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Trusted with S$ 1+ Billion
 
One of the Largest^ retail SGD MMF, consisting of high quality, short-term instruments, including
  • High quality government and corporate bonds
  • Commercial bills and fixed deposits
Trusted Financial Institution
 
 
Serving institutions and retail investors for 45+ years
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Based on Total Net Asset (TNA) figures reflected in FundSingapore.com

For more information, visit our product page here

New Users

CONTACT

Phillip Investor Centres

OR

Find a Specialist

OPEN

Open an Advisory Account

FUND

Deposit at least S$100 to start growing your cash

For other funding methods, view here : https://www.poems.com.sg/payment/

If you are an existing Advisory Account holder, Deposit at least S$100 to start growing your cash using PayNow.

For other funding methods, view here : https://www.poems.com.sg/payment/

Talk to your financial advisor to find out more!

Why you're losing out with idle cash

Frequently Asked Questions

Individual UT Advisory Accounts (fund source : cash).

Yes. You are allowed to use the funds for investment. However, to be eligible for the promotion, only the nett balance of deposits at the end of the 30 days holding period will be eligible for the 1.5% p.a. payout. Any withdrawal or settlement using the deposited funds during the holding period will be excluded from the calculation.

Example : Client A deposited S$10,000 on the 3rd day, and decided to use S$5,000 for investment. The 1-month holding period will start on the 8th day of deposit, the 1.5% p.a. bonus will be paid on the balance S$5,000. Only the nett balance of deposits at the end of the 30 days holding period will be eligible for the 1.5% p.a. payout. In this example, 1.5% p.a. bonus will only be paid for the net balance of deposit of S$5,000.

Only the nett balance of deposits at the end of the 30 days holding period will be eligible for the 1.5% p.a. payout. Any withdrawal or settlement using the deposited funds during the holding period will be excluded from the calculation.

Yes. You are allowed to deposit a total of S$10,000 within 7 days from your first deposit to participate in this promotion. You can top up more than S$10,000 to SMART Park. We will pay the additional 1.5% returns up to S$10,000 whereas your balance idle cash can still continue to earn returns from SMART Park.

Example: Client B deposited S$5,000 on the 3rd day and deposited another S$3,000 on the 20th day. The 1-month holding period will start on the 8th day of deposit, the 1.5% p.a. bonus will be paid into the account at the end of the holding period. Only the nett balance of deposits at the end of the 30 days holding period will be eligible for the 1.5% p.a. bonus payout. In this example, 1.5% p.a. bonus will only be paid for the net balance of deposit of S$5,000.

Yes, you can top up more than S$10,000 to SMART Park. We will pay the additional 1.5% returns up to S$10,000 whereas your balance idle cash can still continue to earn returns from SMART Park.

1.5% p.a. bonus payout = 1.5% x (amount deposited capped at S$10,000) / 12

SMART Park Rates shown on the website are based on 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. Past performance is not necessarily indicative of future performance.

Yes. You can continue to keep your idle cash in SMART Park to earn better returns and combat inflation.

Yes. You can withdraw your money anytime. However, please note that in order to be eligible for this promotion, you need fulfill the 30 days holding period. Beyond this promotion, customers can still utilize SMART Park to enjoy the benefits of earning returns on your idle cash!

Upon first deposit, customers will have 7 days to complete all deposits to participate in this promotion. After 7 days, the 30 days holding period will begin. Upon fulfilling this, customers will receive the additional 1.5% p.a. bonus return.

You may also view your returns via Phillip Wealth Management portal https://wm.phillip.com.sg/ (FAME) and MyWealth Mobile App. Client can view returns from Wealth Management Portal (FAME) : Client > Holdings > Cash and Equivalents (Phillip Money Market Fund) For Philip MyWealth Mobile app: At the login page, please select your platform login from the drop-down list. Enter your login credentials. Click on “View my Cash & Equivalent” on SMART Park banner > Select Account > Total Earnings To download Phillip MyWealth app, please scan on the QR code.

Terms & Conditions

  1. This promotion period is valid from 1 June 2023 (0000 hrs) to 30 June 2023 (2359 hrs).
  2. Customers must fund a minimum of S$100 into their UT Advisory account (fund source : cash). Upon first deposit, customers will have 7 days to fund the entire amount to participate in this promotion. After 7 days, the 30-day holding period* will begin. Upon fulfilling this, Customers will receive a one-time additional 1.5% p.a. bonus return on the funded amount (min S$100, capped at S$10,000), on top of SMART Park returns.
  3. *Holding Period: Period to keep funds in the account with no withdrawal of funds during this period
  4. This promotion is applicable to individual UT Advisory accounts (fund source : cash) only.
  5. Payout of 1.5% p.a. bonus return is capped at S$10,000 of deposit.
  6. Payout of 1.5% p.a. bonus will be paid within 30 days upon fulfillment of the holding period.
  7. The deposit has to be fresh funds. Fresh funds here refers to cash transferred from the customers’ bank account, and does not include funds transferred from Phillip accounts, internal transfers, and sales proceeds.
  8. Only the nett balance of deposits at the end of the 30 day holding period will be eligible for the 1.5% p.a. payout. Any withdrawal or settlement using the deposited funds during the holding period will be excluded from our calculations.
  9. The 1.5% p.a. bonus return only applies to SGD deposits received as per point 2 and will be calculated based on the 30 days holding period.
  10. All fresh funds have to be deposited by 30th June 2023 to be eligible for this promotion.
  11. Customer must be at least 18 years of age and not a US Person (an individual who is a US Citizen or US resident)
  12. Each Customer is only eligible for one bonus returns reward
  13. In the event of a dispute over the Customer’s eligibility to participate in this promotion, PSPL’s decision will be final.
  14. Notwithstanding anything herein contained, PSPL reserves the right at any time in its absolute discretion to (i) amend, add and/or delete these Terms and Conditions without prior notification (including eligibility; replacement of the reward; promotional mechanics, promotion duration without prior notification, qualifying terms and criteria), and all participants shall be bound by such amendments, additions and / or deletions when effected, or (ii) vary, withdraw, or cancel any items or the promotion without having to disclose a reason thereof and without any compensation or payment whatsoever. PSPL’s decision on all matters relating to the promotion shall be final and binding on all participants.
  15. The following persons are not eligible to participate in those promotions unless approved by the management of Phillip Securities Pte Ltd (“PSPL”):
    1. PSPL institutional Customers and corporate Customers
    2. PSPL Account holders whose Accounts have been suspended, cancelled or terminated
    3. All employees and representatives of PSPL and its associated entities; PSPL and all its subsidiaries
    4. Joint Account holders
    5. Clients who engage the services of a representative from an external provider (B2B)
  16. By taking part in this campaign, the participant acknowledges that he / she has read and consented to these Terms & Conditions.
  17. This advertisement has not been reviewed by the Monetary Authority of Singapore
UPSIZED EARNINGS  – LIMITED TIME ONLY

Grow your cash at higher yields with SMART Park

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