CASH+ FLEXI
Returns that your savings deserve
Find a better place for your idle cash.
Enjoy attractive projected returns with
1.8
–
4
% p.a.
No Lock-ins, No Minimum Balance
Unlimited next-day withdrawals, with no minimum investment required.
Accelerate Your Returns
Maximise your returns with Cash+ Flexi, compared to traditional bank accounts.
Fund in USD or SGD
Generate consistent and steady returns with a peace of mind with our low risk portfolio.
Invest your SRS in Cash+ Flexi
Supercharge your funds with our lowest-risk SRS-eligible portfolio, with projected returns of
1.8
% p.a.
Invest with your preferred currency
Enjoy the flexibility to fund in the currency that suits your investment strategy.
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.
Projected returns of 2.1-4% 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 3 Oct 2024. It is not a guarantee for future performance.
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 3 Oct 2024. It is not a guarantee for future performance.
Comparing portfolios
Compare among our Cash+ portfolios.
| CASH+ FLEXI (SGD) | CASH+ FLEXI (USD) | CASH+ GUARANTEED (SGD) | CASH+ GUARANTEED (USD)# | |
|---|---|---|---|---|
| NET RETURNS* | 1.7% - 1.8% p.a. projected | 4.0% - 4.1% p.a. projected | 1.1 % p.a. guaranteed in SGD | 3.85 % p.a. guaranteed in 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 |
| CAPITAL GUARANTEED | No | No |  SGD | USD |
| MINIMUM PORTFOLIO FUNDING | None | US$10,000 | None | None |
*Cash+ Flexi projected returns are based on annualised amortised yield estimates of the underlying funds 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.
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 |
| 1.35-1.85%** | Returns 1.7% - 1.8% p.a. projected (SGD) 4.0% - 4.1% p.a. projected (USD) (after all fees) | 1.40 % p.a.** guaranteed |
| Up to 10 years | Term None | 1 - 12 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 |
*Minimum of US$10,000 or SGD equivalent required when funding Cash+ Flexi USD.
**Rates updated as of 1 Dec 2025. Fixed deposit account benchmarks are taken from the highest 3-month tenor rates offered by Singapore banks.
Cash+ Flexi 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+ Flexi does not provide any guarantee or assurance of returns.
All rates ready
Maximise every dollar. Compound returns over time even on your idle cash.
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 31st July 2025 14:30 SGT. They are not guarantees of future performance.
Versus US$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 31st July 2025 14:30 SGT. They are not guarantees of future performance.
Our investment strategy
Cash+ Guaranteed aims to deliver guaranteed returns in line with or above prevailing fixed deposit rates. Portfolio invests in fixed deposits from MAS-regulated partner banks in Singapore.
*Cash+ Guaranteed is a managed portfolio. Syfe may choose fixed deposits from different banking partners to achieve its investment objective.
FAQs
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 3.4% 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.
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.
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.
Cash+ Flexi (SGD) allocates 70% of your assets to the LionGlobal SGD Enhanced Liquidity Fund SGD and 30% to LionGlobal SGD Money Market Fund.
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%
