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Reserve cash one kept in the fridge (3,5)

Ross

I believe the answer is:

ice lolly

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'one kept in the fridge' is the definition.
I can't tell whether this definition defines the answer.

'reserve cash' is the wordplay.
'reserve' becomes 'ice ' (both can mean aloofness).
'cash' becomes 'lolly' (I've seen this before).
'ice'+'lolly'='ICE-LOLLY'

Can you help me to learn more?

(Other definitions for ice lolly that I've seen before include "Frozen treat" , "It's frozen on a small wooden stick" , "What young sucker preferred" , "summer treat" , "'Frozen sweet on a stick (3,5)'" .)

I've seen this clue in The Times and The Sunday Times.
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