Starlight Smart Reserve.
The Demand Deposit Alternative.
Earn 2.25%* (EUR), 4.50%* (USD) with 5 day access. No maximum investment, No fixed term, No exit penalties.
// THE COST OF INERTIA
Did you know that in 2023 Irish bank account holders missed out on €4.5 billion in foregone interest. Use the Smart Reserve calculator below to see how Starlight Smart Reserve can put money in your pocket, enhancing your bottom line instead of your banks.
Work Hard, Save Starlight Smart!
Did you know that in 2023 Irish bank account holders missed out on €4.5 billion in foregone interest. Use the Smart Reserve calculator below to see how Starlight Smart Reserve can put money in your pocket, enhancing your bottom line instead of your banks.
Work Hard, Save Starlight Smart!
Did you know that in 2023 Irish bank account holders missed out on €4.5 billion in foregone interest. Use the Smart Reserve calculator below to see how Starlight Smart Reserve can put money in your pocket, enhancing your bottom line instead of your banks.
Work Hard, Save Starlight Smart!
// ABOUT STARLIGHT SMART RESERVE
Unlimited Investment, Flexible Access: Curated AAA-Rated Money Market Funds Managed by Global Investment Institutions Reflecting ECB Rates.
No maximum Investment Amount, no fixed term, no exit penalties
Reflects the European Central Bank (ECB) Deposit Rate and the wholesale overnight deposit rate of European Banks (ESTR)
Directly invest in a select portfolio of AAA and Sovereign Short-Term Money Market Funds (MMFs), professionally curated by the experts at Starlight
Managed by institutions with over €2 trillion of investor assets under management
Holding typically more than 200 deposits and short term securities of highly rated banks and Sovereign Governments such as Germany and France
Streamlined monthly reporting straight to your inbox and 24-hour portfolio access via Client Portal
Available to Individuals, Companies, self-invested and broker advised pensions (ARFs, PRBs and PRSAs)
// HOW IT WORKS
Starlight Smart Reserve: Market-leading diversification benefits in the management of your cash reserves
1
Diversification - Let's Spread the Eggs!
Starlight Smart Reserve MMFs invest in large portfolios of bank deposits and short-term bond investments. Your cash reserve is typically spread across more than 200 instruments rather than just being held in a deposit account with a single bank. Starlight Smart Reserve removes the 'concentration risk' of a single bank deposit, the risk that you could lose all your money if the bank defaults.
1
Diversification - Let's Spread the Eggs!
Starlight Smart Reserve MMFs invest in large portfolios of bank deposits and short-term bond investments. Your cash reserve is typically spread across more than 200 instruments rather than just being held in a deposit account with a single bank. Starlight Smart Reserve removes the 'concentration risk' of a single bank deposit, the risk that you could lose all your money if the bank defaults.
1
Diversification - Let's Spread the Eggs!
Starlight Smart Reserve MMFs invest in large portfolios of bank deposits and short-term bond investments. Your cash reserve is typically spread across more than 200 instruments rather than just being held in a deposit account with a single bank. Starlight Smart Reserve removes the 'concentration risk' of a single bank deposit, the risk that you could lose all your money if the bank defaults.
2
Superior Return on Cash - Pricing Power in Your Hands!
As Starlight Smart Reserve MMFs pool your invested cash reserve with up to €20 billion in cash received from global investors, these MMFs are able to get a much higher rate of interest than you can access as a normal bank customer. This higher rate of interest is shared with you.
2
Superior Return on Cash - Pricing Power in Your Hands!
As Starlight Smart Reserve MMFs pool your invested cash reserve with up to €20 billion in cash received from global investors, these MMFs are able to get a much higher rate of interest than you can access as a normal bank customer. This higher rate of interest is shared with you.
2
Superior Return on Cash - Pricing Power in Your Hands!
As Starlight Smart Reserve MMFs pool your invested cash reserve with up to €20 billion in cash received from global investors, these MMFs are able to get a much higher rate of interest than you can access as a normal bank customer. This higher rate of interest is shared with you.
3
Liquidity - Why tie up your Cash for a Fixed Term?
As Starlight Smart Reserve MMFs are EU regulated Short-Term daily liquid funds, with recommended investment terms of no more than one week, you don't need to sacrifice liquidity to get a good return on your cash.
3
Liquidity - Why tie up your Cash for a Fixed Term?
As Starlight Smart Reserve MMFs are EU regulated Short-Term daily liquid funds, with recommended investment terms of no more than one week, you don't need to sacrifice liquidity to get a good return on your cash.
3
Liquidity - Why tie up your Cash for a Fixed Term?
As Starlight Smart Reserve MMFs are EU regulated Short-Term daily liquid funds, with recommended investment terms of no more than one week, you don't need to sacrifice liquidity to get a good return on your cash.
// MONEY MARKET FUNDS
Money Market Funds (MMFs) are regulated funds that invest in high-quality bank-deposits, cash equivalents, government bonds and short-term debt instruments.
MMFs are widely used by large corporations, individuals, and governments that want to sensibly limit how much exposure they have to their relationship banks, while maintaining liquidity and earning interest. EU MMFs are regulated in the European Union under the EU Money Market Fund Regulation (MMFR). As of November 2023, Ireland was home to over €700 billion of cash reserves held in Irish MMFs out of an estimated total of €1,600 billion held in MMFs across the EU.
$5,000
Billion
The amount of cash reserves held in US MMFs at the end of 2022, just under 25% of all cash reserves in the US banking system
$538
Billion
The amount transferred by bank depositors to US MMFs in the weeks following the failure of Silicon Valley Bank
€4.5
Billion
The estimated amount of interest foregone by Irish depositors and customers on cash held in Irish banks in 2023
€37
Billion
The amount of Irish cash reserves that would be held in MMFs if Ireland mirrored the US banking system
Your questions, answered
Can't find the answers you were looking for?
Reach out to us at info@starlightadvisors.ie
What is a Money Market Fund?
Money Market Funds (MMFs) are regulated funds that invest in high-quality bank-deposits, cash equivalents, government bonds and short-term debt instruments.
MMFs are widely used by large corporations, individuals, and governments that want to sensibly limit how much exposure they have to their relationship banks, while maintaining liquidity and earning interest. EU MMFs are regulated in the European Union under the EU Money Market Fund Regulation (MMFR). As of November 2023, Ireland was home to over €700 billion of cash reserves held in Irish MMFs out of an estimated total of €1,600 billion held in MMFs across the EU.
What makes Starlight Smart Reserve different?
In developing Starlight Smart Reserve, we understood that security and trust is paramount for your cash holdings. Our expert team reviewed c.300 MMFs and only selected Short-Term MMFs with the highest credit quality, with an emphasis on capital security and liquidity.
The average rating of the assets underlying the Starlight Smart Reserve Portfolio exceeds the rating of the typical retail bank deposit, and your investment in the Starlight Smart Reserve Portfolio is typically spread across more than 200 different holdings in select AAA and Sovereign Short-Term MMFs. This provides you with a unique opportunity to diversify your cash reserves in a banking system such as Ireland, where €150 billion in cash is concentrated in just a handful of banks and building societies.
Further, by curating a select portfolio of MMFs in Starlight Smart Reserve, your funds are spread across a number of MMFs rather than being concentrated in just a single MMF, giving you unrivalled, market leading diversification benefits in the management of your cash reserves.
In addition to the significant capital protection mechanisms that underpin Starlight Smart Reserve, it also provides a return that reflects the ECB deposit rate while giving you demand access to your cash reserves all brought to you by the expert team at Starlight, a Central Bank of Ireland regulated investment adviser.
Is Starlight Smart Reserve covered by the Ireland Deposit Guarantee Scheme?
No, as Starlight Smart Reserve is an investment account and not a deposit account with an Irish bank it is not covered by this guarantee.
Your cash in Starlight Smart Reserve is allocated to Short-Term AAA and Sovereign Money Market Funds holding large diversified portfolios of overnight and short-term deposits of highly rated banks, short-term rated bank and corporate commercial paper, and sovereign state bonds issued and backed by France, Germany, the European Union among others. The risk of these investments compares favourably to the risk of the Irish State, the guarantor under the deposit guarantee scheme. Ireland is currently rated AA- (or equivalent) by the major range agencies.
Further, by curating a select portfolio of MMFs in Starlight Smart Reserve, your funds are spread across a number of MMFs rather than being concentrated in just a single MMF, giving you unrivalled, market leading diversification benefits in the management of your cash reserves.
How do I earn interest income in Starlight Smart Reserve?
Starlight Smart Reserve earns deposit and interest income that is accumulated within the MMFs, increasing the net asset value of the MMFs each day by the accumulated interest. This is received by you when you redeem your investment in the MMFs. As a result, interest is rolled-up and compounded daily within Starlight Smart Reserve.
We will provide you with streamlined monthly reporting of your Starlight Smart Reserve return straight to your inbox, while in the meantime you can monitor your portfolio at your convenience via your Starlight Client Portal.
Tell me about transaction fees and commissions?
Starlight does not charge transaction fees.
Interactive Brokers Ireland Limited, our investment broker, charges fixed cost trading commissions on the purchase and sale of shares in the MMFs comprising the Starlight Smart Reserve model portfolio.
As of January 2024, these commissions totalled €14.85 on each investment made into the Starlight Smart Reserve model portfolio regardless of the size of the investment you make.
If you sell all, or some, of your investment in Starlight Smart Reserve you can expect to be charged aproximately the same trading commission on exit.
Your questions, answered
Can't find the answers you were looking for?
Reach out to us at info@starlightadvisors.ie
What is a Money Market Fund?
Money Market Funds (MMFs) are regulated funds that invest in high-quality bank-deposits, cash equivalents, government bonds and short-term debt instruments.
MMFs are widely used by large corporations, individuals, and governments that want to sensibly limit how much exposure they have to their relationship banks, while maintaining liquidity and earning interest. EU MMFs are regulated in the European Union under the EU Money Market Fund Regulation (MMFR). As of November 2023, Ireland was home to over €700 billion of cash reserves held in Irish MMFs out of an estimated total of €1,600 billion held in MMFs across the EU.
What makes Starlight Smart Reserve different?
In developing Starlight Smart Reserve, we understood that security and trust is paramount for your cash holdings. Our expert team reviewed c.300 MMFs and only selected Short-Term MMFs with the highest credit quality, with an emphasis on capital security and liquidity.
The average rating of the assets underlying the Starlight Smart Reserve Portfolio exceeds the rating of the typical retail bank deposit, and your investment in the Starlight Smart Reserve Portfolio is typically spread across more than 200 different holdings in select AAA and Sovereign Short-Term MMFs. This provides you with a unique opportunity to diversify your cash reserves in a banking system such as Ireland, where €150 billion in cash is concentrated in just a handful of banks and building societies.
Further, by curating a select portfolio of MMFs in Starlight Smart Reserve, your funds are spread across a number of MMFs rather than being concentrated in just a single MMF, giving you unrivalled, market leading diversification benefits in the management of your cash reserves.
In addition to the significant capital protection mechanisms that underpin Starlight Smart Reserve, it also provides a return that reflects the ECB deposit rate while giving you demand access to your cash reserves all brought to you by the expert team at Starlight, a Central Bank of Ireland regulated investment adviser.
Is Starlight Smart Reserve covered by the Ireland Deposit Guarantee Scheme?
No, as Starlight Smart Reserve is an investment account and not a deposit account with an Irish bank it is not covered by this guarantee.
Your cash in Starlight Smart Reserve is allocated to Short-Term AAA and Sovereign Money Market Funds holding large diversified portfolios of overnight and short-term deposits of highly rated banks, short-term rated bank and corporate commercial paper, and sovereign state bonds issued and backed by France, Germany, the European Union among others. The risk of these investments compares favourably to the risk of the Irish State, the guarantor under the deposit guarantee scheme. Ireland is currently rated AA- (or equivalent) by the major range agencies.
Further, by curating a select portfolio of MMFs in Starlight Smart Reserve, your funds are spread across a number of MMFs rather than being concentrated in just a single MMF, giving you unrivalled, market leading diversification benefits in the management of your cash reserves.
How do I earn interest income in Starlight Smart Reserve?
Starlight Smart Reserve earns deposit and interest income that is accumulated within the MMFs, increasing the net asset value of the MMFs each day by the accumulated interest. This is received by you when you redeem your investment in the MMFs. As a result, interest is rolled-up and compounded daily within Starlight Smart Reserve.
We will provide you with streamlined monthly reporting of your Starlight Smart Reserve return straight to your inbox, while in the meantime you can monitor your portfolio at your convenience via your Starlight Client Portal.
Tell me about transaction fees and commissions?
Starlight does not charge transaction fees.
Interactive Brokers Ireland Limited, our investment broker, charges fixed cost trading commissions on the purchase and sale of shares in the MMFs comprising the Starlight Smart Reserve model portfolio.
As of January 2024, these commissions totalled €14.85 on each investment made into the Starlight Smart Reserve model portfolio regardless of the size of the investment you make.
If you sell all, or some, of your investment in Starlight Smart Reserve you can expect to be charged aproximately the same trading commission on exit.
Your questions, answered
Can't find the answers you were looking for?
Reach out to us at info@starlightadvisors.ie
What is a Money Market Fund?
Money Market Funds (MMFs) are regulated funds that invest in high-quality bank-deposits, cash equivalents, government bonds and short-term debt instruments.
MMFs are widely used by large corporations, individuals, and governments that want to sensibly limit how much exposure they have to their relationship banks, while maintaining liquidity and earning interest. EU MMFs are regulated in the European Union under the EU Money Market Fund Regulation (MMFR). As of November 2023, Ireland was home to over €700 billion of cash reserves held in Irish MMFs out of an estimated total of €1,600 billion held in MMFs across the EU.
What makes Starlight Smart Reserve different?
In developing Starlight Smart Reserve, we understood that security and trust is paramount for your cash holdings. Our expert team reviewed c.300 MMFs and only selected Short-Term MMFs with the highest credit quality, with an emphasis on capital security and liquidity.
The average rating of the assets underlying the Starlight Smart Reserve Portfolio exceeds the rating of the typical retail bank deposit, and your investment in the Starlight Smart Reserve Portfolio is typically spread across more than 200 different holdings in select AAA and Sovereign Short-Term MMFs. This provides you with a unique opportunity to diversify your cash reserves in a banking system such as Ireland, where €150 billion in cash is concentrated in just a handful of banks and building societies.
Further, by curating a select portfolio of MMFs in Starlight Smart Reserve, your funds are spread across a number of MMFs rather than being concentrated in just a single MMF, giving you unrivalled, market leading diversification benefits in the management of your cash reserves.
In addition to the significant capital protection mechanisms that underpin Starlight Smart Reserve, it also provides a return that reflects the ECB deposit rate while giving you demand access to your cash reserves all brought to you by the expert team at Starlight, a Central Bank of Ireland regulated investment adviser.
Is Starlight Smart Reserve covered by the Ireland Deposit Guarantee Scheme?
No, as Starlight Smart Reserve is an investment account and not a deposit account with an Irish bank it is not covered by this guarantee.
Your cash in Starlight Smart Reserve is allocated to Short-Term AAA and Sovereign Money Market Funds holding large diversified portfolios of overnight and short-term deposits of highly rated banks, short-term rated bank and corporate commercial paper, and sovereign state bonds issued and backed by France, Germany, the European Union among others. The risk of these investments compares favourably to the risk of the Irish State, the guarantor under the deposit guarantee scheme. Ireland is currently rated AA- (or equivalent) by the major range agencies.
Further, by curating a select portfolio of MMFs in Starlight Smart Reserve, your funds are spread across a number of MMFs rather than being concentrated in just a single MMF, giving you unrivalled, market leading diversification benefits in the management of your cash reserves.
How do I earn interest income in Starlight Smart Reserve?
Starlight Smart Reserve earns deposit and interest income that is accumulated within the MMFs, increasing the net asset value of the MMFs each day by the accumulated interest. This is received by you when you redeem your investment in the MMFs. As a result, interest is rolled-up and compounded daily within Starlight Smart Reserve.
We will provide you with streamlined monthly reporting of your Starlight Smart Reserve return straight to your inbox, while in the meantime you can monitor your portfolio at your convenience via your Starlight Client Portal.
Tell me about transaction fees and commissions?
Starlight does not charge transaction fees.
Interactive Brokers Ireland Limited, our investment broker, charges fixed cost trading commissions on the purchase and sale of shares in the MMFs comprising the Starlight Smart Reserve model portfolio.
As of January 2024, these commissions totalled €14.85 on each investment made into the Starlight Smart Reserve model portfolio regardless of the size of the investment you make.
If you sell all, or some, of your investment in Starlight Smart Reserve you can expect to be charged aproximately the same trading commission on exit.
Smart Reserve Portfolio
AAA Rated
Cash Diversification
Global Institutions
Daily compounding
Institutional Returns
ECB/ESTR Tracking
No Penalties
AAA Rated
Cash Diversification
Global Institutions
Daily compounding
Institutional Returns
ECB/ESTR Tracking
No Penalties
Global Expertise at Your Fingertips. Reach Out to Get the Ball Rolling.
At Starlight Advisors, we combine expert guidance with world-class resources creating better financial outcomes for our clients.
Global Expertise at Your Fingertips. Reach Out to Get the Ball Rolling.
At Starlight Advisors, we combine expert guidance with world-class resources creating better financial outcomes for our clients.
Global Expertise at Your Fingertips. Reach Out to Get the Ball Rolling.
At Starlight Advisors, we combine expert guidance with world-class resources creating better financial outcomes for our clients.
