Portfolio diversification is the practice of spreading investments around so that exposure to any one type of asset is limited. Personalized portfolios refer to the creation of a portfolio that is tailored to a client’s investor profile, preferences, and goals. Tax loss harvesting is the timely selling of securities at a loss to offset the amount of capital gains tax owed from selling profitable assets. An individual taxpayer can write off up to $3,000 in net losses annually. Tax loss harvesting does not apply to short-term trades subject to the wash sale loss rule. At alphaAI, tax loss harvesting is done where applicable; however, the majority of trades made in client accounts are subject to the wash sale loss rule and do not qualify for tax loss harvesting. In these cases, losses, if any, are used to offset the cost basis, resulting in a lower amount of capital gain, if any. Dynamic portfolio adjustments are defined as actions taken to optimally position a client portfolio for changing market conditions based on their investor profile and risk tolerance. Automated risk management is defined as the automatic adjustment of client portfolio risk levels (such as net exposure, beta, and R2) in response to market conditions. Responsive downside protection is defined as actions taken in response to market conditions to protect clients from losses. Dynamic asset allocation is defined as active portfolio rebalancing to maximize gains and minimize losses in response to market conditions. Automated portfolio hedging is defined as the management of net exposure and long/short positions to hedge portfolios against potential market drawdowns.
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This is the current 30-day yield SEC yield of JAAA, the high-yield fund we invest in for Smart Stash. This yield will fluctuate and is not a forecast or guarantee of future earnings. This fund trades on the open market and is therefore subject to market price fluctuations. Although the fund's price has exhibited a low volatility level over the past 5 years, the principal investment into the fund may experience a loss in market value, which is not accounted for in the chart. The yield shown is pre-tax and before fees and expenses. Actual earnings after taxes and fees will be lower and depend on numerous factors, including the magnitude of fees and expenses, the frequency of compounding, variability of the yield, and individual tax situations. On an after-tax, post-fee basis, the yields of the products shown in the chart could be the following: 1) Savings Account: 0.25%, 2) Wealthfront: 2.43%, 3) Betterment: 2.43%, 4) alphaAI: 3.58%.

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Testimonials are from alphaAI clients. Clients were not paid for their testimonials. Each testimonial reflects the individual experience of the clients depicted. They are not intended to represent any other client’s experience. The client testimonials represent their opinions at the time given. Logos represent companies that alphaAI clients work at. Logos should not be construed as these companies' endorsement or partnership of alphaAI. The content provided should not be construed as investment or financial advice, tax or legal advice, an offer, solicitation of an offer, or advice to buy or sell securities or other products offered by alphaAI or any third party. All investments involve risk.

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Yield-Oriented Alternative to Traditional Savings

A Smarter Way to Earn Yield on Cash

With Smart Vault, access market-based yield on cash held in your alphaAI Capital account.

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Pricing

Pre-Tax YieldAfter-Tax YieldAnnual FeesTake Home on $100,000
AlphaAI Full logo
5.31%
3.50%
None
$3,500
High-Yield Savings Account4.60%2.63%-$2,635
National Savings Account Average0.46%0.26%-$263
Disclaimers

Smart Vault vs. others

3.25%
3.25%
3.66%
Disclaimer
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Smart Vault invests in short-term U.S. Treasury exposure through an exchange-traded fund (ETF). Yield information reflects the ETF’s most recently reported 30-day SEC yield as of the stated date and is subject to change. Yield is not guaranteed and does not represent total return. The ETF trades on the open market, and its share price may fluctuate; principal is not guaranteed and may decline. Comparisons to savings accounts or other cash alternatives are provided for informational purposes only. Yields shown are before fees and taxes; actual returns after fees and taxes will be lower and depend on individual circumstances.

Your cash should work for you.

Smart Vault:
Put Your Cash to Work

Think of Smart Vault as a cash management alternative. When enabled, Smart Vault allows you to allocate funds within your alphaAI Capital account to market-based yield exposure.

Market-Based Yield for Idle Cash

Holding cash in a bank account may result in limited yield over time. Smart Vault is designed to put idle cash to work by providing market-based yield exposure.

Designed for Liquidity and Control

Smart Vault is built to keep funds accessible, with no lock-up period and the same account safeguards used across alphaAI Capital.

Frequently Asked Questions

Find answers to common questions about Smart Vault.

What is Smart Vault?

Smart Vault is a cash management feature that provides systematic exposure to market-based yield for funds held in your alphaAI Capital account. It is designed for cash you want working more actively than in a traditional bank account, while remaining accessible within your portfolio.

How is Smart Vault different from a high-yield savings account?

High-yield savings accounts earn interest through banks and may be FDIC insured. Smart Vault offers an alternative approach to managing cash, using market-based investments to pursue yield while keeping funds accessible within your alphaAI Capital account.

Is Smart Vault a bank account or FDIC insured?

No. Smart Vault is not a bank account and is not FDIC insured. Funds allocated to Smart Vault are held in your alphaAI Capital brokerage account and invested in market-based instruments. Assets are custodied at Alpaca Securities LLC, an SIPC-member brokerage, subject to applicable limits and conditions.

Can I access my money at any time?

Yes. Smart Vault does not have a lock-up period, and funds remain accessible within your alphaAI Capital account. Because Smart Vault uses market-based investments, liquidity is subject to normal market conditions and settlement timing.

Still have questions?

Contact us for more information or assistance.

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