How to pronounce “smart money” in English

Now the smart money says, have a reward to risk ratio of at least three.

We have smart money.

I hope you're more familiar with Martin Wattenberg's tree map of smart money, Market Map done in 1999.

And as Jack Bogle says here, who's the smart money now?

And we also brought in a new investor that could help take us to the next level, the be smart money.