CASH+ GUARANTEED
Enjoy -% p.a. guaranteed
returns
Know your returns, keep your peace of mind. Access competitive, multi-term rates.
Capital and Returns Guaranteed
Lock in returns at optimised rates across multiple MAS-regulated banks.*
*As this is an investment product, SDIC coverage doesn't apply.
Flexible Tenors
Choose terms that suit your timeline across 1, 3, 6, or 12 months.
No Minimum, No Maximum
Earn the same guaranteed rate on every dollar you deposit, fee-free.
Invest with your preferred currency
Enjoy the flexibility to fund in the currency that suits your investment strategy.
Pick your term, lock your rate
Guaranteed attractive returns for all tenors.
This calculator illustrates the guaranteed returns you will get at the prevailing rate if it matures on a business day. If that is not the case, the investment will end on the next business day instead, and you will earn pro-rated returns for the additional days.
This calculator illustrates the guaranteed returns you will get at the prevailing rate if it matures on a business day. If that is not the case, the investment will end on the next business day instead, and you will earn pro-rated returns for the additional days.
Earn optimised rates always
Leave the research and comparison to us. We constantly monitor latest figures from MAS-regulated banks in Singapore to ensure that our rate remains competitive.
Learn more
Comparing portfolios
Compare among our Cash+ portfolios.
| CASH+ FLEXI (SGD) | CASH+ FLEXI (USD) | CASH+ GUARANTEED (SGD) | CASH+ GUARANTEED (USD)# | |
|---|---|---|---|---|
| NET RETURNS* | 1.6% - 1.7% p.a. projected | 3.8% - 3.9% p.a. projected | 0.9 % p.a. guaranteed in SGD | 3.45 % p.a. guaranteed in USD |
| CAPITAL GUARANTEED | No | No |  SGD | USD |
| RECEIVE RETURNS | Daily | Daily | End of term | End of term |
| TERM | None | None | 1, 3, 6, 12 Months | 1 Month |
| FUNDING CURRENCY | SGD | USD or SGD | SGD | USD or SGD |
| MANAGEMENT FEE | 0.05% to 0.15% p.a. | 0.15% to 0.20% p.a. | None | None |
| MINIMUM PORTFOLIO FUNDING | None | US$10,000 | None | None |
*Returns are net of fees. Cash+ Flexi projected returns are based on annualised amortised yield estimates of the underlying funds provided by the fund managers, as of 31st July 2025 14:30 SGT. They are not guarantees of future performance. Cash+ Guaranteed returns are guaranteed, subject to underlying bank risk. Neither Syfe nor any third party guarantees any losses that may result from underlying bank risk or fluctuations in foreign currency exchange rates.
#For Cash+ Guaranteed (USD) only: The guaranteed capital and returns apply only to the USD value of your portfolio, regardless of the currency it’s deposited in. Funding or withdrawing in a non-USD currency may impact your returns due to exchange rate fluctuations.
Why invest with Syfe?
Learn how Cash+ Guaranteed stacks against other capital-guaranteed solutions.
| SSB | Cash+ Guaranteed (SGD) | FIXED DEPOSIT ACCOUNT |
|---|---|---|
| Bonds issued by the Singapore Government | Underlying Fixed deposits
(via SG banks) | Bank fixed deposit |
| 1.35-2.25%** | Returns 0.9 % p.a. for 1-month term | 1.55 % p.a.** guaranteed |
| Up to 10 years | Term 1, 3, 6, 12 months | 1 - 12 months |
| Any time | Withdrawal End of term | 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 |
Cash+ Guaranteed is a managed investment portfolio, and should not be taken as a deposit. Until the investment is locked in, the rate is subject to change. Investment capital and returns are guaranteed subject to underlying bank risk.
** Rates updated as of 2 Feb 2026. Fixed deposit account benchmarks are taken from the highest 3-month tenor rates offered by Singapore banks.
| Cash+ Guaranteed (USD) | USD FIXED DEPOSIT ACCOUNT |
|---|---|
Underlying Fixed deposits
(via MAS-regulated banks) | Bank fixed deposit |
Returns 3.45 % p.a. (guaranteed in USD) | 3.60%* |
Withdrawal End of term | End of term |
Minimum or maximum sum None | Depends on bank |
SDIC insured No | Yes, up to S$100K |
#Cash+ Guaranteed (USD) is a managed investment portfolio, and should not be taken as a deposit. Until the investment is locked in, the rate is subject to change. Investment capital and returns are guaranteed subject to underlying bank risk. The guaranteed capital and returns apply only to the USD value of your portfolio, regardless of the currency it’s deposited in. Funding or withdrawing in a non-USD currency may impact your returns due to exchange rate fluctuations.
*Rates updated as of 2 Feb 2026. USD fixed deposit account benchmarks are taken from the highest 1-month tenor rates offered by Singapore banks.
Compound your savings
Leverage the power of compounding when you opt in for auto-reinvesting at maturity.
Our investment strategy
Cash+ Guaranteed aims to deliver guaranteed returns in line with or above prevailing fixed deposit rates. To enhance stability, your capital is diversified across multiple MAS-regulated banks.
*Cash+ Guaranteed is a managed portfolio. Syfe strategically selects fixed deposits from various banking partners to optimise your investment returns.
FAQs
Here's a summary of how it works:
- Create a Cash+ Guaranteed portfolio by choosing the term of your choice (from 1, 3, 6 and 12 months) on the website or Syfe App.
- Add funds into your portfolio.
- Once we process your funds into the portfolio, the portfolio will be automatically locked and queued for investment.
- Your funds will be invested within one business day.
- Over the term you have chosen, you'll have the flexibility to decide whether you want to reinvest or not when the term concludes. If you opt not to reinvest, your funds will stay in the portfolio until you determine your next course of action, which may be reinvesting for another term at the prevailing rate, withdrawing, or reallocating your funds.
Syfe maintains partnerships with various banks regulated by MAS (Monetary Authority of Singapore) that offer fixed deposits. We regularly assess the rates from these providers, along with market rates, to ensure that Cash+ Guaranteed rate remains competitive.
Returns are guaranteed as we invest your funds in fixed deposits with our partner banks for your chosen term. Your funds are diversified by being placed as deposits across MAS-regulated banks. When the term ends, you will receive returns from the underlying fixed deposits at the guaranteed rate that you had secured at the beginning of the term. Once your investment begins, the guaranteed return and rate will not change during the entire duration of the investment.
Please note, as this is an investment product and not a bank deposit, SDIC coverage doesn't apply. Learn more here
From the rates we obtain from our partner banks, we take a slight margin before extending to you a rate that is still very attractive in the market. Once your investment begins, your Cash+ Guaranteed portfolio is assured to provide returns at the same rate. Our commitment is to deliver exceptional products, coupled with an unparalleled user experience, and this margin facilitates our ability to fulfill that commitment.
After the Guaranteed portfolio is funded and invested, you will not have the option to make withdrawals until the fixed term ends. As we invest your funds into corresponding tenured fixed deposits with the preferred rates we obtain from banks, we are enabled to maximize the returns on your investment.
Subsequent top-ups made on or after 16th November 2024 to a portfolio that is already locked and invested will be placed by us into a new Guaranteed portfolio and automatically invested. By doing so, you create a “ladder” of maturity dates for your multiple Guaranteed portfolios, giving you the flexibility to access funds and take advantage of fluctuating interest rates.
