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.
Close buttonClose button

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%.

Close buttonClose button
Deposit Match Program: Earn up to $500. Limited time only.
Yield-Oriented Alternative to Traditional Savings

A Smarter Place
for Idle Cash

Earn competitive yields while keeping your cash invested, liquid, and managed.

Get Started

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
Close

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

Smart Vault lets you allocate idle funds to an actively managed yield strategy inside your alphaAI Capital account, keeping cash liquid while seeking higher returns than traditional savings.

Built for Today’s Cash Environment

Traditional savings accounts often struggle to keep up over time. Smart Vault puts idle cash to work by providing competitive yields.

Seamlessly Integrated With Your alphaAI Account

Smart Vault lives inside your existing alphaAI Capital account, making it easy to manage cash alongside your investments without opening another account or moving funds around.

Our clients work at top companies like:

Hear It From Them

Join thousands of others who are growing their wealth with alphaAI Capital.

Disclaimer
Close

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.

alphaAI Capital - AI Trading App that Dynamically Adapts to the Markets | Product Hunt
“Portfolio management used to be frustrating because I didn’t have time to keep up with the markets. I like that alphaAI Capital handles everything for me and has kept me ahead of the S&P 500.”
SS
“For my investments, I’m looking for a better return than the level of risk taken on. And that’s exactly what alphaAI Capital has done for me.”
FT
“[Buy-and-hold] is attractive in hindsight in one of the best bull [markets] we’ve had, but it's hard to stomach for me right now when we are near all-time highs. [alphaAI Capital] overcomes that concern for me.”
CJ
"I've been really impressed with the platform's ability to avoid losses when there has been some significant volatility."
DL

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.

Contact