Learn how SMART Park can help you get more out of your idle funds while staying liquid to capitalise on emerging opportunities.
In investing, idle money refers to money that does not earn any return. This means that uninvested funds incur an opportunity cost. Yet, the need to pay monthly bills and waiting for suitable market opportunities often see investors leaving their money idle.
But what if there was a way your idle funds can earn higher than traditional deposits, with low risk and without lock-ins, while remaining accessible any time to make payments, start a trade, or grow your portfolio whenever you choose?
That’s exactly what SMART Park by POEMS can do for you. Let’s find out more!
Table of contents
What is SMART Park and how does it work?
SMART Park is an Excess Fund Management Facility that allows investors to earn returns on idle cash. It does this by investing your funds in money market funds (MMFs) a type of mutual fund that invests in a diversified portfolio of highly liquid short-term cash equivalents, including fixed deposits, short-term bonds and other high-quality debt securities.
MMFs have emerged as a contender to traditional deposits in recent years. Since 2022, MMFs’ returns started to rise following interest rate hikes; with the US Fed’s current higher for longer interest rate trajectory. But choosing the right MMF is essential, and we’ll share more about this later.
SMART Park offers liquidity, there are no lock-in periods, which means your funds remain accessible while earning returns from Money Market Funds. This means you can use your funds any time to make investments when you spot a suitable opportunity or withdraw them as needed. Withdrawal requests made by 10am on a working day will be deposited into your linked bank account on the same day.
Furthermore, SMART Park supports three different currencies – USD, SGD and HKD – allowing you to diversify your cash while enjoying attractive yields. As of 28 July 2025, the 7-day annualised returns were:
- USD 3.9233% p.a.
- SGD 1.7396% p.a.
- HKD 1.1824% p.a.
What can SMART Park do for investors and travellers?
Whether you’re preparing to invest or have just taken profit, SMART Park ensures your money stays productive in between. Instead of sitting idle in your account, your funds continue to generate returns. In other words, your money works hard for you at all times.
Besides investors, travellers can also benefit from SMART Park. For instance, if you’re saving up for a trip to the US in a year’s time, use SMART Park USD to earn nearly 4% p.a. returns. This will give you some extra bucks to spend when your holiday finally rolls around!
Here’s another smart benefit that will delight investors and travellers. You can seamlessly invest in the US and HK markets without needing to convert your funds. This saves you from having to pay forex fees that eat into your returns.
Is SMART Park safe?
MMFs are generally low-risk investments compared to stocks, due to their underlying exposure to low-risk instruments.
In fact, there are many MMFs available on the market, and while they may invest in similar types of securities, not every MMF can provide the same returns. And while past performance is not indicative of future results, it is still worth choosing an MMF with a proven track record.
SMART Park invests in the Phillip Money Market Fund (PMMF), which had its mettle tested during one of the most severe market crashes in recent history. The fund managed to maintain a growing Net Asset Value (NAV) throughout the Global Financial Crisis of 2008 by avoiding defaults in fixed income holdings and keeping investor funds safe from losses.
If you need further convincing, know that PMMF is managed by PhillipCapital Management, a leading fund manager in Singapore that has been serving investors for decades. It is the asset management arm of PhillipCapital Group, provider of the popular POEMS online brokerage platform.
SMART Park, the smart choice for your money
With attractive returns across SGD, USD and HKD, no lock-ins, no forex conversion fees, and a proven track record, SMART Park stands out as a compelling option for managing idle funds between investments, to diversify cash portfolios, and save for overseas travel (such as your desired US trip) more efficiently.
With ongoing market uncertainty and tariff-induced recession fears, short-term interest rates are expected to remain high. This sets the stage for savvy investors to earn solid returns on their idle funds with SMART Park.
How to sign up
If you do not have a POEMS account
- Sign up for a POEMS account by clicking the button below
- Follow the on-screen prompts to select your account type
- Once your account is set up, opt-in to SMART Park and make your deposit
If you have a POEMS account
Click the button below to find out more.
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