
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#
SGD
1.7065% p.a.USD
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
Why SMART Park
No lock-in period
Withdraw anytime!
Cash will be back into your linked bank account on the same day!

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 FundSingapore.com
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
You may Opt in during the account opening process
For Existing POEMS Account holders
Using the MyWealth App? You may opt-in through the App as well
Fast and Simple Online Transfer and Withdrawal
Depositing
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.
Withdrawing
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
Should you decide to liquidate certain investments, the cash will also automatically go towards SMART Park and work smarter for you! You can also withdraw the funds for your perusal.
To view the returns earned, please login and go to Acct Mgmt > Stocks > Transaction History > Summary of Portfolio > MMF.
