Earn the Best Yields on Your Uninvested Cash
Smart Stash is an intelligent cash management solution designed to empower your uninvested funds. With Smart Stash, any excess cash in your alphaAI account will automatically earn market-leading APY.
Smart Stash vs. other leading high yield cash products
Smart Stash: A High Yield Cash Feature Powered by AI
You don't want to always be fully invested in the markets. When conditions are risky, you should be holding some cash on the sidelines to reduce your risk. With Smart Stash, your uninvested cash in your alphaAI account will automatically earn industry-leading APY, further optimizing your overall returns!
Say Goodbye
to Idle Cash
Smart Stash integrates into your existing AI investment strategy and seamlessly works in the background. Uninvested cash is automatically allocated to Smart Stash.
Secure, Flexible,
and Rewarding
Your security and flexibility remain our top priorities. Smart Stash offers the same high level of security you've come to expect from alphaAI. Plus, there's no lock-in period – your funds remain accessible whenever you need them, giving you both liquidity and high returns.
Frequently Asked Questions
Find answers to common questions about Smart Stash.
How does Smart Stash work, exactly?
Smart Stash is a feature of your alphaAI account. Your uninvested cash will be automatically allocated to Smart Stash.
How is my uninvested cash automatically allocated to Smart Stash?
When you join alphaAI, you will be recommended or choose one of our automated investment strategies. One of the things our investment AI does is adjust the amount of cash you hold based on market conditions and your risk profile. For example, when market conditions are poor, you would want to keep more cash on the sidelines to reduce your overall risk (we automate this process for you at alphaAI). With Smart Stash, your uninvested cash on the sidelines is automatically allocated to a high-yield cash product, further enhancing your overall returns.
How is Smart Stash different from a high-yield savings account?
Smart Stash is more flexible than a high-yield savings account (HYSA). Because Smart Stash is a part of your overall account at alphaAI, you can easily invest that cash into other assets, should you choose.
With a HYSA, you typically have to create a separate account at the bank or brokerage of your choice. Your money sits there, and you can only deposit and withdraw from that account. If you wanted to invest that money into other assets, you would have to transfer that money into a separate investment account to do so. You would oftentimes incur fees for the transfer and have to wait several business days for the transaction to clear.
Are there any fees?
Smart Stash is a feature of your alphaAI account, which is subject to our subscription fee. Learn more about our pricing.
The fund we use for Smart Stash charges a net annual expense fee of 0.21%. Our goal with Smart Stash is to provide clients with a net yield, after all fees and expenses, that is significantly higher than the national average savings account rate.
Is my money safe?
Smart Stash works by investing your excess cash into high-yielding funds. The market price of such funds is relatively stable but may fluctuate by a small amount (typically by less than 1% over the course of multiple years). We chose these funds because they provide a high yield (6%+ at the time of writing), paid out in the form of monthly dividends. The high yield of these dividends more than cover any minor fluctuations you may experience in the market price.
Additionally, all of the brokerages we support are members of FINRA and SIPC. SIPC provides $250,000 coverage. In addition, eligible clients can obtain up to $2,500,000 of FDIC insurance on cash deposits for a total coverage of $2,750,000. Note that this does not cover ordinary loss from market fluctuation.
How easy is it to withdraw my money?
Pretty dang easy! You can make unlimited deposits and withdrawals. Buys and sells into and out of our Smart Stash funds are instantaneous, with funds becoming available to you in the same day.
How do interest payments work?
The advertised yield shown is the current 30-day SEC annualized yield, which is subject to change. Each month, you’ll receive interest payments based on the yield earned during that period.