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Earn 3.7% p.a. with your idle cash

Make the most of your idle cash with 3.7% projected returns per annum, accrued daily
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illustration
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portfolio-icon
portfolio-icon
portfolio-icon

Earn 3.7% p.a. with your idle cash

Make the most of your idle cash with 3.7% projected returns per annum, accrued daily
illustration
illustration
illustration
portfolio-icon
portfolio-icon
portfolio-icon

Earn 3.7% p.a. with your idle cash

Make the most of your idle cash with 3.7% projected returns per annum, accrued daily
illustration
illustration
illustration
portfolio-icon
portfolio-icon
portfolio-icon

Earn 3.7% p.a. with your idle cash

Make the most of your idle cash with 3.7% projected returns per annum, accrued daily
illustration
illustration
illustration
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No lock-ins
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No minimum balance
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Next-day withdrawals
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Zero fees,
100% trailer fee rebates

Over 100,000+ investors trust Syfe to
grow their wealth

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Monetary Authority of Singapore
Licence - CMS100837
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100k+ Investors

Join 100,000+ investors on Syfe now!

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  • Daily accrual of returns
  • No separate brokerage or CDP account required
  • No account minimums, no limits, no management fees
  • Complimentary access to wealth experts

Investing in Cash+ for 1 month
= Interest in Bank for 1 year

Syfe Cash+ Projected return
3.7%
74x
more
Bank deposits
0.05%
100% Trailer fee rebate
+100%
Syfe management fee
0%
Entry or exit fee
0%
Source: Bank deposits are close to 0.05%. Cash+ projected returns based on annualised amortised yield estimates of underlying funds, as provided by Lion Global, as of 10th May 2023. It is not a guarantee for future performance.

Invest with Singapore's largest asset managers

Underlying funds

LionGlobal SGD Money Market Fund

30%

LionGlobal SGD Enhanced LiquidityFund SGD Class I (Accumulation)

70%

automated recurring transfers

Move money from Cash+ to your Syfe investment portfolios each month with no fees

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Ideal for

Adopting the Dollar-Cost-Averaging approach for your investments

Customise a weekly or monthly schedule of your choosing.

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Our Investment Strategy

Syfe Cash+ is a low risk cash management portfolio composed of money market and enhanced liquidity funds which invest in short-term deposits, money market investments and high quality debt instruments.

The objective of the portfolio is to achieve a return in SGD in line or above the prevailing money market rates, with primary considerations of maintaining low risk and high liquidity.

The portfolio is fully managed by Syfe on a discretionary basis and Syfe may alter the constituents and/or rebalance the allocations at any time to achieve its investment objective.

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* 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.

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Our Investment Strategy

Syfe Cash+ is a low risk cash management portfolio composed of money market and enhanced liquidity funds which invest in short-term deposits, money market investments and high quality debt instruments.

The objective of the portfolio is to achieve a return in SGD in line or above the prevailing money market rates, with primary considerations of maintaining low risk and high liquidity.

The portfolio is fully managed by Syfe on a discretionary basis and Syfe may alter the constituents and/or rebalance the allocations at any time to achieve its investment objective.

illustration

* 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.

illustration
illustration

Our Investment Strategy

Syfe Cash+ is a low risk cash management portfolio composed of money market and enhanced liquidity funds which invest in short-term deposits, money market investments and high quality debt instruments.

The objective of the portfolio is to achieve a return in SGD in line or above the prevailing money market rates, with primary considerations of maintaining low risk and high liquidity.

The portfolio is fully managed by Syfe on a discretionary basis and Syfe may alter the constituents and/or rebalance the allocations at any time to achieve its investment objective.

illustration

* 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.

In July 2021, Syfe closed Series B funding round led by Valar Ventures, bringing total funding round to date to over US$52 million
Read full article on TechCrunch
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Frequently asked questions

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Introducing Syfe Cash+ - Earn 3.7% p.a
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Ask Syfe - How much savings should I have at my age?
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Ask Syfe - What is considered long term in investing?
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What our wealth experts bring to the table
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How are the projected returns for Syfe Cash+ calculated?

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Syfe Cash+ holds a 30% allocation to Lion Global SGD Money Market Fund (MMF) and a 70% allocation to Lion Global SGD Enhanced Liquidity Fund (ELF).

Lion Global provides Syfe with the amortised yields of each fund. The Gross Projected Return for Cash+ is calculated as such:

30% of the amortised yield for MMF + 70% of the amortised yield for ELF = Gross Projected Return


Syfe does not charge any management fees for Cash+. The Projected Return of 3.7% p.a. is derived as such:

Gross Projected Return - Fund Fees (charged by Lion Global) + 100% Trailer Fee Rebates - Syfe Management Fee

3.8% - 0.28% + 0.13% - 0% = 3.7%

Projected Returns adjusted to one decimal place.

What are the underlying funds in Syfe Cash+?

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Cash+ allocates 70% of your assets to the LionGlobal SGD Enhanced Liquidity Fund SGD and 30% to LionGlobal SGD Money Market Fund

How does Syfe Cash+ compare with other cash management options like savings accounts?

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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+ projected return of 3.7% p.a. applies on all your funds, with no additional criteria you must fulfil.

Additionally, Cash+ provides daily accrual of returns, unlike savings accounts. This means you get to keep whatever returns you accumulate when you invest in Cash+, no matter the duration.

How do I receive the returns from my Cash+ portfolio?

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Returns on your Cash+ 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+ portfolio value. When you place a withdrawal request, you can choose to withdraw the total amount held in your Cash+ 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?

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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.
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This website is developed and operated by Syfe Pte. Ltd. (“Syfe”), which holds a Capital Markets Services Licence and is regulated by the Monetary Authority of Singapore (Co. Reg. No. 201834952H). The information contained herein is provided for general information only and should not be used as a basis for making any investment or business decisions. Past performances are not necessarily indicative of future performances. Investment involves various risks, and you should ensure that you fully understand the risks, characteristics, and restrictions by reading the Risk Disclosure Statement, and determine if the investment products are suitable for your financial situation, investment objective, and risk tolerance before making any investment decisions. You are recommended to obtain independent professional advice where appropriate. All return figures shown are presented for informational purposes only and are not indications, predictions, forecasts, nor guarantees of future performance results, or the quality of an investment, are subject to change without notice and may differ or be contrary to opinions expressed by others. Syfe does not take responsibility for the calculation of assumed target returns, no representation or warranty is given as to the adequacy or reasonableness of the methodologies or assumptions used in calculating assumed target returns, and no reliance should be placed on any assumed target return. All rights reserved. Use of this website is governed by the Terms of Use. The content contained on this site is provided to users “as-is” without any express or implied warranty. Any third-party trademarks (including logos and icons) referenced in this website or the Syfe application are and remain the property of their respective owners and do not represent endorsements of any kind. Unless specifically identified, the use of third-party trademarks by Syfe and/or its affiliates does not indicate any relationship, sponsorship, or endorsement between Syfe and/or its affiliates and the owners of the trademarks and/or their respective affiliates. Any references by Syfe to third-party trademarks are intended to identify the corresponding third-party goods, services, and/or entities for informational and identification purposes. Any notification from the Syfe application is not a product advertisement that has been reviewed by the Monetary Authority of Singapore. This advertisement has not been reviewed by the Monetary Authority of Singapore.
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