Why move beyond bank deposito?
Keep your cash accessible while earning optimized returns with clear terms.
Same peace of mind you expect from deposits with fewer limitations.
Traditional bank deposits
Safe, but restrictive
20% tax cuts directly into your earnings
Early withdrawals come with penalties
Locked-in periods that restrict your access
What you get with us
Net returns from NAV growth — your gains reflect real portfolio performance
Flexible redemption with T+3 settlement for quick liquidity
Zero withdrawal penalties, anytime
Digital bank deposits
Strong short-term appeal, with ever-changing terms
Tiered minimum balances for top rates - many don’t qualify
Promo-based rates that can drop anytime
Unpredictable returns due to sudden rate changes
What you get with us
No tiers - start from Rp10.000 with equal returns via NAV
Steady growth without promos or limited-time offers
Professionally managed portfolio of money market and bonds for stable performance
For your every day life
Keep your cash accessible while earning optimized returns with clear terms.
Same peace of mind you expect from deposits with fewer limitations.
Planning for near-term goals
For anyone preparing for something meaningful in the near future like saving for a second home, starting a new venture, renovating a space, or funding a personal milestone. Smart Cash keeps your money growing while you get ready for what’s next.
Making the most of your extra income
Whether you just received a bonus, sold an asset, or have business income waiting to be used, Smart Cash helps your funds stay productive. Perfect for anyone who knows the money will be needed soon—but doesn’t want it sitting idle.
Seizing short-term opportunities
For investors who want to use today’s attractive money market and bond yields, Smart Cash portfolios give you a simple, low-risk way to benefit. Great for those looking to make the most of the current environment without committing long term.
Getting a taste of investing
Ideal for anyone who wants to start investing but prefers to begin with something low-risk. Smart Cash helps you optimize your idle cash, grow it steadily, and experience investing without taking big risks.
Choose the portfolio that fits your timeline
Four options to consider to match how soon you’ll need the money and your comfort with price movements.
Smart Cash Core
Low risk
For short term (<2 years)
Simpan Cash Fund
100%
100% money market fund. Grows your cash steadily through quality bank deposits and short-term government securities, low risk, high liquidity.
Suitable for
Suitable for funds that need high liquidity like your emergency fund or money you may need at any moment.
Returns (1Y)
4.44%
Max Drawdown
-0.01%
Benchmark
100% 3 Month Deposit Rate
Rp 1.000.000
Smart Cash Secure
Low risk
For short term (<2 years)
Simpan Cash Fund
70%
Simpan Bond Fund
30%
70% our money market fund, 30% our bond fund. Adds a boost from government bond yields while keeping risk low and stability high.
Suitable for
Cash you’ll use within a year like buying a new gadget, planning a trip, or alternatively making the most of extra income from bonuses or asset sales.
Returns (1Y)
6.07%
Max Drawdown
-0.31%
Benchmark
70% Simpan Cash Fund
30% Simpan Bond Fund
Minimum Investment
Rp 1.000.000
Smart Cash Enhanced
Low to moderate risk
For medium term (1-3 years)
Simpan Cash Fund
50%
Simpan Bond Fund
50%
50% our money market fund, 50% our bond fund. A balanced mix aiming for higher returns than Secure, with moderate, calculated risk.
Suitable for
Goals within 1–2 years such as saving for a second home, renovating a space or starting a new venture.
Returns (1Y)
7.07%
Max Drawdown
-0.62%
Benchmark
50% Simpan Cash Fund
50% Simpan Bond Fund
Minimum Investment
Rp 1.000.000
Smart Cash Progressive
Low to moderate risk
For medium term (1-3 years)
Simpan Bond Fund
100%
100% our bond fund. Targets the highest yields in the Smart Cash range by focusing on Indonesian government bonds.
Suitable for
Money you can set aside for 2+ years—ideal for planning a wedding, preparing a child’s school down payment, or other longer-term needs.
Returns (1Y)
4.68%
Max Drawdown
-0.01%
Benchmark
100% INDOBeX Total Return Index
Minimum Investment
Rp 1.000.000
WE'VE GOT YOU COVERED