Grow your Cash
at 2.12% p.a.*
& Get $100k Coverage on Us!

Why should I Park my Money at SMART Park?

Make Your Idle Cash Work Harder

Real Returns, Not Projected

Enjoy No lock-in period with daily liquidity

Learn more about SMART Park!

Make your money work HARDER and SMARTER at:

Returns (7 Day) Annualised#


2.1330% p.a.


1.8877% p.a.

Rates updated as of 17 October 2022
#Based on the average rate of annualised returns over the last rolling week.
Past performance is not necessarily indicative of future performance. View product info sheets for disclaimer

View Product Infosheet (SGD)

View Product Infosheet (USD)

Fight Inflation the SMART way

Open a POEMS Account or
Opt in to Excess Funds Management (SMART Park) facility
to fund Now!

Fund a minimum of S$10,000 into SMART Park and enjoy other perks!

Enjoy a complimentary Personal Accident Plan with coverage of up to $100,000 for a year!

Up to S$100,000 coverage against death and permanent disablement

Applicable to Singapore residents aged from 18 to 65 years old, without medical underwriting.

Protect yourself from unforeseen circumstances while enjoying returns on your deposit with SMART Park!

How do I enjoy this promotion?

Don’t have an Account yet? Set up one as follows:

Open a POEMS account and opt-in to our Excess Funds Management facility (SMART Park) in 5 minutes!
Deposit a minimum S$10,000 into SMART Park within 7 days of opting-in!
After a 30-day holding period, you will receive an email from, and will be required to submit an acknowledgement form to consent for the Personal Data Protection Act (“PDPA”) and declaration to receive your complimentary Personal Accident Plan.
Upon submission of the form, you will receive your policy document from the insurer, ECICS Limited, to your registered email address within the next 5 working days.

For Account holders:

Opt in to our Excess Funds Management (SMART Park) facility.
Deposit a minimum S$10,000 into SMART Park within 7 days of opting-in!
After a 30-day holding period, you will receive an email from, and will be required to submit an acknowledgement form for the Personal Data Protection Act (“PDPA”) and declaration to receive your Personal Accident Plan.
Upon submission of the form, you will receive your policy document from the insurer, ECICS Limited, to your registered email address within the next 5 working days.

Frequently Asked Questions

To view the returns earned, please login and go to Acct Mgmt > Stocks > Transaction History > Summary of Portfolio > MMF.
Cash Plus, Cash Management, Margin, Prepaid, and Custodian Accounts with Excess Fund Management facility are eligible to participate in this promotion.
No. You will be unable to participate in this promotion as the Cash Trading / Share Financing Account does not have excess fund management facility.
Login to POEMS 2.0 > Acct Mgmt > Stocks > Online Forms or a conversion form can be sent to Cash Trading Account with existing GIRO facility has to be terminated before we can process the conversion to Cash Management (KC) Account.
The Personal Accident Plan will be underwritten by ECICS Limited. The company is a fully licensed general insurer under the approval of the Monetary Authority of Singapore. Both Phillip Securities Pte Ltd and ECICS Limited are members of PhillipCapital Group. To find out more about ECICS Limited, please refer here.
Personal Accident policies are designed to provide financial assistance payable upon death or permanent disablement. They protect you and your loved ones from potential financial burdens such as medical bills and loss of income in the event of death or permanent disablement.
This Personal Accident Plan will last one year from the commencement date of the policy. For the subsequent years, you renew the policy at a rate of only S$36+GST per annum. This policy can be renewed up to 70 years old.
This Plan is for Singapore Citizens, Permanent Residents or foreigners/expatriates who hold a valid Employment Pass, Work Permit, Dependent Pass issued by Ministry of Manpower or Student Pass issued by Ministry of Education.
Please kindly contact ECICS Limited at +65 6206 5588 or
No. The free Personal Accidental Insurance Plan is only entitled to be tagged to one Customer. It will be issued to the primary Account holder.
No. One Customer is entitled to the Personal Accident Plan once.
You will receive your policy document from the insurer, ECICS Limited within 5 working days. It will be sent to your registered email address after the 30 days holding period for the $10,000 or above deposit.
Yes, you are allowed to deposit the amounts separately as long as you deposit the full S$10,000 amount within 7 days.
Yes, you are allowed to deposit US dollars as long as the amount is equivalent to S$10,000 and above, to qualify you for the Free Personal Accident Plan.
No, you will not be eligible. The deposit needs to be in the form of fresh funds from the Bank/s.

Terms and Conditons

  1. This promotion is valid from 14 November 2022 (1200 hrs) to 15 January 2023 (2359 hrs).
  2. Qualifying Criteria:
    1. Each Customer holds either Cash Plus, Cash Management, Margin, Prepaid, Custodian Account (“POEMS Account”).
    2. The Account must be opted in for Excess Funds Management Facility (Smart Park).
    3. Singapore residents aged from 18 to 65 years old.
    4. Each Customer is only eligible for one Personal Accident Plan. In case of a joint account, the main applicant will only be eligible for subscribing to the Personal Accident Plan.
    5. PSPL and its associated entities and subsidiaries (direct or indirect), e.g. Staff, Trading Representatives and Financial Adviser Representatives.
  3. Customers must deposit a minimum of S$10,000 or equivalent to their POEMS Account within 7 days for at least 30 days of holding period to be eligible to receive the free Personal Accident Plan for 1 year. The deposit has to be a fresh fund, excluding transferring cash from other Trading Accounts.
  4. Customers must provide his/ her name as per NRIC, consent to Personal Data Protection Act (“PDPA”) and declaration in the Acknowledgement form and submit the form to subscribe for the Phillip Protect (Personal Accident Plan) as required by ECICS Limited within the promotional period. In the event that the name provided and information given to PSPL in the Acknowledgement form is inaccurate, the Phillip Protect (Personal Accident Plan) will not be granted.
  5. In the event that eligible Customers have not received the policy document within 5 working days upon submission of the Acknowledgement form, please contact or 65311555.
  6. In the event of a dispute over the Customer’s eligibility to participate in this promotion, PSPL’s decision will be final.
  7. 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.
  8. The following persons are not eligible for this promotion, 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, canceled or terminated.
  9. By taking part in this campaign, the participant acknowledges that he / she has read and consented to these Terms & Conditions.

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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