CASH MANAGEMENT

Supercharge your savings

Put every dollar to work. Discover low-risk, short-term portfolios designed to help you maximise returns with maximum flexibility.

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Competitive rates

Enjoy better returns than traditional
savings accounts.

Maximise every dollar

Invest however much you like. No minimum or maximum sums. No hoops to jump through.

Designed for liquidity

Enjoy short to no lock-in periods—your spare cash is always within easy reach.

STEP 1

Getting started

Tap “Add Portfolio” to begin.

STEP 2

Choose Your Portfolio

Select between Cash+ Guaranteed or Cash+ Flexi.

STEP 3

Review Portfolio Details

See key highlights and performance summary at a glance.

STEP 4

Forecast calculator

Align your investments with your future goals.

STEP 5

Add Funds

We support eGIRO from major banks, PayNow, wire transfers, and more.

STEP 6

You're All Set

You'll get an email once funds are credited to your account.

Portfolios at a glance

Earn steady returns on your idle cash.

Cash+ Flexi

SGD

USD

very LOW RISK

Stable returns with no lock-ins. Available in SGD and USD.

Details

Projected returns

1.6

3.8

% p.a.

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NEW

Cash+ Enhanced

SGD

LOW RISK

Balance attractive yield with flexibility. No lock-ins, no minimum.

Details

Projected net yield

3.0

% p.a.

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Cash+ Guaranteed

SGD

USD

very LOW RISK

Guaranteed returns with short 1, 3, 6 and 12-month terms.

Details

Guaranteed returns

% p.a.

Select

Syfe’s Cash Management Suite

Compare among our Cash+ portfolios.

	CASH+ GUARANTEED	CASH+ FLEXI	NEW CASH+ ENHANCED
RETURNS/ NET YIELD*	1.25 % p.a. guaranteed	1.6 % p.a. projected (after all fees)	3.0% p.a. projected (after all fees)
CAPITAL GUARANTEED		No	No
RECEIVE RETURNS	End of term	Daily	Daily
TERM	1, 3, 6 Months	No lock-ins — for cash you need now	No lock-ins — for cash you won't need for 12+ months
LIQUIDITY	Upon maturity (T+1 settlement)	Daily (T+1 settlement)	Daily (T+3 settlement)
FUNDING CURRENCY	SGD	SGD	SGD
MANAGEMENT FEE	None	0.05% to 0.15% p.a.	0.15% to 0.20% p.a.
MAXIMUM HISTORICAL DRAWDOWN	None	-0.5%	-4.9%
MINIMUM PORTFOLIO FUNDING	None	None	None

	CASH+ FLEXI	CASH+ GUARANTEED
NET RETURNS*	3.8 % p.a. projected (after all fees)	4.0 % p.a. guaranteed
CAPITAL GUARANTEED	No
RECEIVE RETURNS	Daily	End of term
TERM	No lock-ins — for cash you need now	1, 3, 12 Months
LIQUIDITY	Daily (T+1 settlement)	Upon maturity (T+1 settlement)
FUNDING CURRENCY	USD or SGD	USD or SGD
MANAGEMENT FEE	0.15% to 0.20% p.a.	None
MAXIMUM HISTORICAL DRAWDOWN	-0.5%	None
MINIMUM PORTFOLIO FUNDING	US$10,000	None

*Cash+ Flexi projected returns are based on the annualised amortised yield estimates of underlying funds provided by the fund managers, as of 17 Nov 2025 14:30 SGT. They are not guarantees of future performance.

Cash+ Enhanced projected net yields are based on the weighted average yield to maturity of the underlying short-duration bond funds, net of fund-level fees and Syfe's access fee, as provided by the fund managers as of 17 Nov 2025 14:30 SGT. They are not guarantees of future performance.

Cash+ Guaranteed returns are guaranteed, subject to underlying bank risk.