Cash+ guaranteed

overview performance comparison faqs

Enjoy

-

% p.a. guaranteed
returns

Beat uncertainty with a guarantee. Access competitive, multi-term rates with no bank hopping.

returns guaranteed

Lock in an attractive rate of

% p.a. with terms of your choice.

optimised rates

We monitor banks in Singapore to find optimised rates for you.

NO CATCH, NO CAP

Earn the same guaranteed rate on every dollar you invest.

Invest with your
preferred currency

Enjoy the flexibility to fund in the currency that suits your investment strategy.

Cash+ Guaranteed (SGD)

VERY low risk

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

details

Guaranteed returns

% p.a.

select

Cash+ Guaranteed (USD)

VERY Low RISK

Guaranteed returns with short
1-month terms.

details

Guaranteed returns

4.35

% p.a.

select

All rates ready

Enjoy attractive guaranteed rates  
and returns no matter the term.

month

2.2

% p.a.

315

months

2.3

% p.a.

315

months

2.2

% p.a.

315

months

2.05

% p.a.

315

*Based on Investment OF

S$100,000

month

4.35

% p.a.

US$

315

*Based on Investment OF

US$100,000

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.

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Comparing portfolios

Compare among our Cash+ portfolios.

	CASH+ FLEXI (SGD)	CASH+ FLEXI (USD)	CASH+ GUARANTEED (SGD)	CASH+ GUARANTEED (USD)^#
NET RETURNS*	2.8% - 2.9% p.a. projected (after all fees)	4.2% - 4.3% p.a. (after all fees)	Up to 2.2 % p.a. guaranteed in SGD	4.35 % 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 SGDLearn about FX fluctuation
management fee	-0.1 % 0.05% to 0.15% p.a.	-0.2 % 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 28th Apr 2023 14:30 SGT. They are not guarantees of future performance. Cash+ Guaranteed returns are guaranteed, subject to underlying bank risk.

#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

Fixed Deposit Account

Bonds issued by the Singapore Government

Underlying

Fixed deposits (via SG Banks)

Bank fixed deposit

2.73–2.85% p.a.

Returns

2.2

% p.a. for 1-month term

2.9% p.a.*

Up to 10 years

Term

1, 3, 6, 12 months

1 –36 months

Any time

Withdrawal

End of term

S$500–S$200,000

Minimum or maximum sum

None

Depends on bank

SDIC insured

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. 

*Fixed deposit account benchmarks are taken from the highest fixed deposit rates offered by Singapore banks, including promotional rates. Updated as of Apr 2025.

Cash+ Guaranteed (USD)^#

USD Fixed Deposit Account

Underlying

Fixed deposits
(via MAS-regulated banks)

Bank fixed deposit

Returns

4.35

% p.a. (guaranteed in USD)

4.30% p.a.*

Withdrawal

End of term

Minimum or maximum sum

None

Depends on bank

SDIC insured

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.

*Fixed deposit account benchmarks are taken from the highest fixed deposit rates offered by Singapore banks, including promotional rates. Updated as of Apr 2025.

Compound your savings

Leverage the power of compounding when you opt in for auto-reinvesting at maturity.

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

How does Cash+ Guaranteed work?

Here's a summary of how it works:
1. 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.
2. Add funds into your portfolio.
3. Once we process your funds into the portfolio, the portfolio will be automatically locked and queued for investment.
4. Your funds will be invested within one business day.
5. 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.

How does Syfe work with bank providers to secure optimized rates?

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.

How are the returns guaranteed?

Returns are guaranteed as we invest your funds in fixed deposits with a partner bank for your chosen term. 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.

Why doesn’t Cash+ Guaranteed charge users a fee?

From the rate we obtain from our partner bank, 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.

Can I top-up or withdraw my money before the end of the term?

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 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.

Cash+ guaranteed

Enjoy

-

% p.a. guaranteed
returns

Invest with your
preferred currency

All rates ready

Earn

optimised rates

always

Comparing portfolios