Cash+ Flexi
Find a better place for your idle cash.
Enjoy attractive projected returns with
3.4
–
4.8
% p.a.
sign up with
Unlimited next-day withdrawals, with no minimum investment required.
Maximise your returns with Cash+ Flexi, compared to traditional bank accounts.
Generate consistent and steady returns with a peace of mind with our low risk portfolio.
CASH+ FLEXI IS NOW
SRS-eligible
Go beyond simply tax savings, and accelerate your retirement goals with our bank-beating returns.
Find out moreInvest with your preferred currency
Enjoy the flexibility to fund in the currency that suits your
investment strategy.
Preservation / relative safety of invested capital with returns in line with short-term money market rates.
Preservation / relative safety of invested capital with returns in line with short-term money market rates.
Singapore money market rates.
Preservation / relative safety of invested capital with returns in line with short-term money market rates.
Preservation / relative safety of invested capital with returns in line with short-term money market rates.
with US money market rates.
Composition
Your money is invested in low-risk, high-liquidity funds, with the objective of achieving steady returns in line with or above money market rates.
LionGlobal SGD Money Market Fund
30%
LionGlobal SGD Enhanced Liquidity Fund SGD Class I (Accumulation)
70%
Last update: 31 May 2023 14:30 SGT
money market funds
100%
Last update: 31 May 2023 14:30 SGT
Projected returns of
3.4
–
4.8
% p.a.
Comparing portfolios
Compare among our Cash+ portfolios.
CASH+ FLEXI (SGD)
CASH+ FLEXI (USD)
CASH+ GUARANTEED
CASH+ GUARAN-TEED
NET RETURNS*
RECEIVE RETURNS
Daily
Daily
End of term
term
None
None
1, 3, 6, 12 months
funding currency
SGD
USD or SGD
SGD
management fee
0.05% to 0.15% p.a.
0.15% to 0.20% p.a.
None
CAPITAL GUARANTEED
No
No
minimum portfolio funding
None
US$10,000
None
Why invest with Syfe?
Learn how Cash+ Flexi stacks against other cash management solutions.
SSB
CASH+ flexi
Fixed Deposit Account
Bonds issued by the Singapore Government
Type
Managed portfolio
Bank fixed deposit
2.5–3.1% p.a.
Returns
3.3% - 3.4% p.a. projected (SGD)
4.75% - 4.8% p.a. projected (USD)
(after all fees)
3.4% p.a.* guaranteed
Up to 10 years
Term
None
1 –36 months
Any time
Withdrawal
Any time
End of term
S$500–S$200,000
Minimum or maximum sum
None*
Depends on bank
No
SDIC-insured
No
Yes, up to S$75K
Projected returns
Maximise every dollar. Compound returns over time even on your idle cash.
100% REITs
Forecast range
To forecast future returns, we use sophisticated techniques such as the forward-looking Monte Carlo simulation to determine a realistic range of return for you.
Optimistic
You might see this return if the global financial environment is extremely positive. There is only a 5% likelihood your portfolio return will be at or above this number.
S$3,207,874
Optimistic
You might see this return if the global financial environment is extremely positive. There is only a 5% likelihood your portfolio return will be at or above this number.
S$3,207,874
Optimistic
You might see this return if the global financial environment is extremely positive. There is only a 5% likelihood your portfolio return will be at or above this number.
S$3,207,874
Optimistic
You might see this return if the global financial environment is extremely positive. There is only a 5% likelihood your portfolio return will be at or above this number.
S$3,207,874
Versus S$10,005 when left in a savings account
Versus US$10,005 when left in a savings account
Our investment strategy
Cash+ Flexi aims to deliver return in line with or above prevailing money market rates. Constructed with low-risk money market and enhanced liquidity funds which invest in short-term deposits, money market investments and high-quality debt instruments.
FAQs
How does Cash+ Flexi compare with other cash management options like savings accounts?
Most savings accounts have tiered interest rates that require customers to fulfil multiple requirements, from salary credits to minimum credit card spends. By contrast, the Cash+ Flexi projected return of 3.8% p.a. applies on all your funds, with no additional criteria you must fulfil.
Additionally, Cash+ Flexi provides daily accrual of returns, unlike savings accounts. This means you get to keep whatever returns you accumulate when you invest in Cash+ Flexi, no matter the duration.
How do I receive the returns from my Cash+ Flexi portfolio?
Returns on your Cash+ Flexi portfolio are accrued daily, unlike bank deposits where you receive your interest monthly. As such, you will see your savings grow every day as your returns are automatically reflected in your Cash+ Flexi portfolio value.
When you place a withdrawal request, you can choose to withdraw the total amount held in your Cash+ Flexi portfolio, including all returns earned. Should you opt to stay invested, you can let your returns compound to grow your cash more quickly.
Can I transfer my funds in Cash+ to another Syfe portfolio?
Yes. You can move funds between your Syfe portfolios. Simply click on “Manage Funds” on your account dashboard to make a transfer.
Under ordinary circumstances, it takes approximately 2 - 4 business days for funds to be transferred between different portfolios.
What are the underlying funds in Cash+ Flexi?
Cash+ Flexi (SGD) allocates 70% of your assets to the LionGlobal SGD Enhanced Liquidity Fund SGD and 30% to LionGlobal SGD Money Market Fund.
What is the eligibility criteria for investing in Cash+ Flexi?
We accept funds from individuals aged 18 and above.
cash+ flexi sgd
Composition
funds
%
LionGlobal SGD Money Market Fund
Invests in high quality short-term money market instruments and debt securities. Some of the investments may include government and corporate bonds, commercial bills and deposits with financial institutions.
-10.49%
Global X China Consumer Discretionary
Very high risk
china
health care
CHIQ
-10.49%
cash+ flexi usd
Composition
funds
%
LionGlobal SGD Money Market Fund
Invests in high quality short-term money market instruments and debt securities. Some of the investments may include government and corporate bonds, commercial bills and deposits with financial institutions.
-10.49%
Global X China Consumer Discretionary
Very high risk
china
health care
CHIQ
-10.49%
