SMART Park is an Excess Funds Management Facility that invests and manages your idle cash automatically, on a discretionary basis.

Make your money work HARDER and SMARTER at:

Return (7 Day) Annualised*


1.7065% p.a.


1.7065% p.a.

Rates updated as of 5 September 2022
*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 Fund Info (SGD)

View Fund Info (USD)

Why SMART Park

No lock-in period

Withdraw anytime!

Cash will be back into your linked bank account on the same day!

Find out more

Real Return,
Not Projection

Rates illustrated are real returns!

Trusted with SGD 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

^Based on Total Net Assets (TNA) figures reflected in

Read more on how SMART Park can grow your money here

How do I Opt in to SMART Park?

For those who do not have a POEMS Account yet

Open an Account

You may Opt in during the account opening process

For Existing POEMS Account holders

Opt-in and Deposit Now

Using the MyWealth App? You may opt-in through the App as well

Do you prefer to get a Financial Specialist to assist you? Find out more HERE.

Fast and Simple Online Transfer and Withdrawal


Deposit into your POEMS Account with SMART Park (activated by 2pm) and the amount will be placed into Phillip Money Market Funds on the same day.

Deposit or Opt in here


Need cash on hand? Make sure your Account is linked to your local bank account. Withdrawal request submitted before 10 am will be processed on the same day to their respective bank account.

Learn how to link your POEMS Account to your bank account here

Purchasing other Investments

If you are buying stocks, ETFs, Unit Trusts, and Bonds, cash in your SMART Park Account will automatically liquidate and go towards your investment.

Are Money Market Funds superior?

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

Fight Inflation the SMART way

Open an Account or Opt in Now!

Contact us to Open an Account

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This material is provided by Phillip Capital Management (S) Ltd (“PCM”) for general information only and does not constitute a recommendation, an offer to sell, or a solicitation of any offer to invest in any of the exchange-traded fund (“ETF”) or the unit trust (“Products”) mentioned herein. It does not have any regard to your specific investment objectives, financial situation and any of your particular needs. You should read the Prospectus and the accompanying Product Highlights Sheet (“PHS”) for key features, key risks and other important information of the Products and obtain advice from a financial adviser (“FA“) pursuant to a separate engagement before making a commitment to invest in the Products. In the event that you choose not to obtain advice from a FA, you should assess whether the Products are suitable for you before proceeding to invest. A copy of the Prospectus and PHS are available from PCM, any of its Participating Dealers (“PDs“) for the ETF, or any of its authorised distributors for the unit trust managed by PCM.  

An ETF is not like a typical unit trust as the units of the ETF (the “Units“) are to be listed and traded like any share on the Singapore Exchange Securities Trading Limited (“SGX-ST”). Listing on the SGX-ST does not guarantee a liquid market for the Units which may be traded at prices above or below its NAV or may be suspended or delisted. Investors may buy or sell the Units on SGX-ST when it is listed. Investors cannot create or redeem Units directly with PCM and have no rights to request PCM to redeem or purchase their Units. Creation and redemption of Units are through PDs if investors are clients of the PDs, who have no obligation to agree to create or redeem Units on behalf of any investor and may impose terms and conditions in connection with such creation or redemption orders. Please refer to the Prospectus of the ETF for more details.  

Investments are subject to investment risks including the possible loss of the principal amount invested. The purchase of a unit in a fund is not the same as placing your money on deposit with a bank or deposit-taking company. There is no guarantee as to the amount of capital invested or return received. The value of the units and the income accruing to the units may fall or rise. Past performance is not necessarily indicative of the future or likely performance of the Products. There can be no assurance that investment objectives will be achieved.  

Where applicable, fund(s) may invest in financial derivatives and/or participate in securities lending and repurchase transactions for the purpose of hedging and/or efficient portfolio management, subject to the relevant regulatory requirements. PCM reserves the discretion to determine if currency exposure should be hedged actively, passively or not at all, in the best interest of the Products.  

The regular dividend distributions, out of either income and/or capital, are not guaranteed and subject to PCM’s discretion. Past payout yields and payments do not represent future payout yields and payments. Such dividend distributions will reduce the available capital for reinvestment and may result in an immediate decrease in the net asset value (“NAV”) of the Products. Please refer to <> for more information in relation to the dividend distributions.  

The information provided herein may be obtained or compiled from public and/or third party sources that PCM has no reason to believe are unreliable. Any opinion or view herein is an expression of belief of the individual author or the indicated source (as applicable) only. PCM makes no representation or warranty that such information is accurate, complete, verified or should be relied upon as such. The information does not constitute, and should not be used as a substitute for tax, legal or investment advice.  

The information herein are not for any person in any jurisdiction or country where such distribution or availability for use would contravene any applicable law or regulation or would subject PCM to any registration or licensing requirement in such jurisdiction or country. The Products is not offered to U.S. Persons. PhillipCapital Group of Companies, including PCM, their affiliates and/or their officers, directors and/or employees may own or have positions in the Products. Any member of the PhillipCapital Group of Companies may have acted upon or used the information, analyses and opinions herein before they have been published. 

This advertisement has not been reviewed by the Monetary Authority of Singapore.  


Phillip Capital Management (S) Ltd (Co. Reg. No. 199905233W)  
250 North Bridge Road #06-00, Raffles City Tower ,Singapore 179101 
Tel: (65) 6230 8133 Fax: (65) 65383066