CASH+ FLEXI
Multiply your SRS savings
Supercharge your SRS funds with our lowest-risk portfolio, and bank-beating rates of
1.8
% p.a.
No Lock-ins, No Minimums
Unlimited next-day withdrawals to your SRS bank account, with no minimum investment required.
Accelerate Your Returns
Multiply your returns by over 70x, smashing interest rates of 0.05% in traditional SRS bank accounts.
Lowest Risk Portfolio
Generate consistent and steady returns with a peace of mind with our very low risk portfolio.
Portfolio at a glance
Stay invested and supercharge your SRS funds by 70x compared to rates of 0.05% in traditional bank accounts.
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
Projected returns of
1.8
% p.a.
Values shown are only for illustration. Projected returns, adjusted to one decimal place, are based on annualised amortised yield estimates of underlying funds, as provided by the fund managers, as of 18 Sep 2023. It is not a guarantee for future performance
Comparing portfolios
Learn how Cash+ Flexi stacks against other cash management solutions.
| Cash+ Flexi (SGD) | Bank Savings Account | Fixed Deposits | T-bills | |
|---|---|---|---|---|
| Yield / Interest (%) | 2.0% - 2.1% * | 0.05% | 1.40 % | 1.35% - 1.39% |
| TERM | None | None | 6 Months | 6-12 Months |
| Withdrawal | Redeem anytime | Liquid | Early withdrawal penalties apply | No early redemption |
| Risk | Very Low | Safe | Guaranteed | Guaranteed |
*Projected yield as of Jul 2025
Source: Treasury Bills Statistics (mas.gov.sg), Fixed deposit account benchmarks are taken from the highest 6-month tenor rates offered by Singapore banks. Rates updated as of 1 Dec 2025.
Cash+ is a low risk investment portfolio managed by Syfe. It is not a savings or deposit product at a bank. Investments involve risk and Cash+ does not provide any guarantee or assurance of returns.
Projected returns
Maximise your SRS contributions and grow every dollar. Calculate how compound returns work over time even on your idle money.
Versus S$10,005 when left in a savings account
Values shown are only for illustration. Singapore bank base interest rates are generally at 0.05% per annum. Higher rates are possible, but usually requires users to meet requirements such as salary crediting, meeting minimum spending thresholds, increasing average daily balances, etc.
Cash+ projected returns are not contingent on the fulfilment of similar requirements, and 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.
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.
*This is a discretionarily-managed portfolio, not a savings or deposit product at a bank. Investments involve risk and Cash+ Flexi does not provide any guarantee or assurance of returns.
Which SRS portfolio is best suited for you?
Core Equity100
Investments focused on equity markets that seek to provide high levels of capital appreciation over time.
100% Global Equities
Best-in-class INDEX FUNDS
Expertly Managed
comparison TABLE
CORE equity100 SRS
Returns p.a. (last 8 years)
Portfolio Management
Passively managed with factor based enhancements
Fund Level Fees
0.15%*
MSCI ACWI
Active Funds based Equity Portfolio
10.44%
6.0-8.0%
Passive Index
Actively managed
Not possible to invest in the index
1.0-2.0%
*Active funds based equity portfolio returns range assumes lower returns due to higher fees and active management underperformance.
Past returns are shown for illustrative purposes only. They are calculated before fees and in USD terms unless otherwise specified. The past returns since inception (31 March 2020) are based on model portfolios returns which may not fully account for trading costs, tax implications and timing impacts. Past returns prior to portfolio inception date are based on our internal backtested data with information obtained from underlying fund managers. Past returns are not a guarantee for future performance.
Source: Syfe’s Research as of 31 August 2024
Income+
Investments that typically aim to provide a balance of income and capital appreciation.
Monthly Dividends
INSTITUTIONAL FUND ACCESS
No-lock ins
comparison TABLE
Income+ SRS
DIRECT Unit Trusts
Yield to maturity (%)
-
% p.a.
6.1% p.a. (Average)
Dividend Taxes
Trailer Fee Rebate is a fee that a fund manager pays intermediaries. The rebate is usually applicable when the fund’s share class is retail. Currently, Syfe passes on to clients any trailer fee rebates it receives for any of the constituent funds of Income+ portfolios. Please refer to our Investment Strategy to see which funds are rebated.
Trailer Fee Rebate is a fee that a fund manager pays intermediaries. The rebate is usually applicable when the fund’s share class is retail. Currently, Syfe passes on to clients any trailer fee rebates it receives for any of the constituent funds of Income+ portfolios. Please refer to our Investment Strategy to see which funds are rebated.
Optimised to minimise
dividend
withholding taxes
Depends on fund domicile
FX Risk
SGD Hedged
Depends on fund denomination
Fund Level fees
0.65%*
(Institutional funds)
1.5%+
(Retail funds)
Management / Access fees
0.25% to 0.65%
0.3 - 1.0% (Access fees) +
3.0 - 5.0% (Sales charges)
Portfolio and fund management
The portfolio is managed and advised by Syfe informed by PIMCO's forward looking views. Funds composed in the portfolio are actively managed by PIMCO.
Fund is managed by a single fund manager with a set objective. Fund managers seek to outperform market or benchmark.
Cash+ Flexi
Preservation / relative safety of invested capital with returns in line with short-term money market rates.
no lock-ins, No Minimums
accelerate your returns
LOW RISK PORTFOLIO
comparison TABLE
Cash+ Flexi (SGD)
Yield / Interest (%)
2.0% - 2.1%
Term
None
Withdrawal
Risk
Very Low
Bank Savings Account
Fixed Deposits
T-bills
0.05%
1.35% - 1.39%
None
6 months
6 - 12 months
Liquid
Early withdrawal penalties apply
No early redemption
Safe
Guaranteed
Guaranteed
*Projected yield as of Jul 2025
Source: Treasury Bills Statistics (mas.gov.sg), Fixed deposit account benchmarks are taken from the highest 6-month tenor rates offered by Singapore banks. Rates updated as of 1 Dec 2025.
Cash+ is a low risk investment portfolio managed by Syfe. It is not a savings or deposit product at a bank. Investments involve risk and Cash+ does not provide any guarantee or assurance of returns.
FAQs
Investing your SRS funds with Syfe is quick and easy. You may follow the below steps :
- Open an SRS bank account with an SRS bank operator (DBS/POSB, OCBC, UOB). Once your SRS bank account is open, you may contribute into your DBS/POSB or OCBC or UOB account.
- Once your above SRS bank account is ready, log into your Syfe app or website to select the portfolio you would like to invest in.
- Provide your SRS bank details and deposit instructions (refer to this link to know how to find your SRS bank details). Your SRS bank details will be saved upon this step. In case you need to update your SRS bank account details or personal particulars such as changes to your NRIC/FIN, please reach out to [email protected].
- Provide some additional personal details, employment & income details to continue onboarding to SRS portfolios.
- Once the details are submitted, we will work on your instruction to debit funds from your SRS bank account. After debiting, we will invest your funds into your chosen portfolio. Please visit here to understand more about the various stages of investment.
Syfe offers various investment options that can help you achieve significantly higher returns compared to the 0.05% annual yield from keeping your SRS funds in your SRS bank account.
By investing in Cash+ Flexi SGD, Income+ Preserve, Income+ Enhance, or Core Equity100, your SRS funds have the potential to grow over 70 times more than if left uninvested in DBS/POSB, OCBC, or UOB accounts.
Syfe charges a management fee depending on your Syfe pricing tier. Kindly refer to this article to learn more.
Fees applicable
- Cash Management Portfolios, 0.05-0.15% per annum
- Managed Portfolios, 0.25-0.65% per annum
For SRS Portfolios, are there other fees apart from Syfe’s management fee?
No. We strive to ensure SRS investing stays accessible and affordable, in fact, by consolidating your SRS investments into Syfe, you will be able to enjoy greater benefits.
How are my fees debited for SRS portfolios?
It will be same as the cash funded portfolios, fees are accrued daily based on your portfolio value (Net Asset Value) and reported within the app in the “FEES PAID” feature that can be found under the portfolio details page. At the end of the month, fees will be deducted and this will be reflected in the “TRANSACTION” feature.
In your monthly statement, you will find fees disclosed at each portfolio in the first 2 pages, and total fees in last page.
When you withdraw funds from your Syfe SRS portfolios, the securities you hold must be sold before the cash can be transferred to your bank account.
Withdrawals to SRS banks (DBS/POSB, OCBC, UOB)
Under ordinary circumstances, Syfe processes your instruction to sell within 1 - 2 business days. However the sale of the funds within the portfolio takes anywhere from 5 to 9 business days.Once the portfolio has been liquidated, depending on the bank’s processing timelines, you should receive your funds within the next 1-2 business days. As such, this typically means that most customers can expect to receive their withdrawn funds in 2 weeks.
Cash+ Flexi SGD: 5-6 business days
Core Equity100 and Income+: 6-9 business days
Withdrawals to other bank accounts
Note that SRS funds can only be withdrawn to your SRS Bank account (DBS/POSB, OCBC, UOB). If you had changed your SRS bank account during the course of your investment with Syfe, please contact [email protected] for assistance to update your bank details.
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%