Higher for Longer...

As the Fed continue with their "Higher for Longer" narrative, Cash Plus Funds will likely continue to yield  3-5% returns somewhat "risk-free" until they "pivot", and so these offers a good place to park your excess funds or even "emergency cash".

SmartSave helps to __automate_the_subscription__ of any spare cash into Cash Plus, whereas RSP helps those who are busy to adopt a disciplined approach to __regularly_"save"__ our monies to build our investment "pot". 

However, the feature I like best (which some may beg to differ) and use most often, is the convenience SmartSave brings by helping to  __"auto-redeem"__ from Cash Plus to fund my stock purchases, so I don't have to keep track and do it manually.