NEW
Yield+
HKD
Net yield
4.71
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4.054.254.454.66
2.52.93.153.68
YIELD+
NEW
4.71% p.a. net yield on cash you can touch anytime!
Your idle cash could be doing more for you. Yield+ gives it a competitive edge — no lock-ins, no minimum — built on a lower-volatility portfolio of short-duration, high-quality bond funds.
Get started
Attractive returns
Built for cash you won’t need for 12 months or more — let it work while you plan what’s next.
Flexible by design
No lock-ins and no minimum, so your cash can keep up with wherever life takes you.
Backed by quality
A lower-volatility portfolio of short-duration bond funds, selected for credit quality.
This represents Yield+ net yield. This is based on the weighted average yield to maturity of the underlying short-duration bond funds, net of fund-level fees and before Syfe’s management fee, as provided by the fund managers as of 18th September 2026. This is for reference only and not a guarantee of future performance. A positive yield does not imply a positive return.
Cash that keeps up with your next plans
Recommended Horizon:
1 Year+
.avif)
4.71
Yield+ net yield
2.15%p.a.*
Typical MMF interest rate
Same idle cash. Higher returns!
Yield+ invests your money in short-duration, high-quality bond funds — investment-like growth, with the flexibility of cash.
Values shown are for illustration only. Yield+ invests in short-duration bond funds, which carry a different risk and duration profile from money market funds — including greater sensitivity to interest rate and credit movements. Yield+ net yields as shown are based on the weighted average yield to maturity of the underlying short-duration bond funds, net of fund-level fees and before Syfe’s management fee, as provided by the fund managers as of {DD:MM:YYYY}. This is for reference only and not a guarantee of future performance. A positive yield does not imply a positive return.
*Source: Morningstar, as of 30 September 2026. Figure represents the simple average of the 1-year returns of three HKD money market funds: CMS Money Market Fund – Class B (HKD) (2.68%), BOCHK All-Weather HKD Money Market Fund – Class A1 (2.52%) and Schroder HK Money Market Fund (HKD) (1.24%). Calculated by Syfe; not a Morningstar category average. Past performance is not indicative of future results.
See how Yield+ stacks up
Higher earning power, without giving up access to your money.
Yield+ New | Cash+ Flexi | Bank Fixed Deposit | |
|---|---|---|---|
| Return / NET Yield | 4.71 | 2.82 | Up to 3.05% p.a. (Approx.), fixed |
| Liquidity | No lock-in Settles in 3-4 business days | No lock-in
Settles in 1 business day | Locked until term ends |
| Min. Investment Amount | None | None | Usually required |
| Tenor | No lock-ins - for capital that you won’t need for 12+ months | No lock-ins | 1, 3, 6, 12 months |
| How you're paid | Daily accrual yield and capital appreciation | Daily accrual yield and capital appreciation | Only at end of term |
| Trailer Fee rebate to you | 100% | 100% | — |
*Yield+ net yields as shown are based on the weighted average yield to maturity of the underlying short-duration bond funds, net of fund-level fees and before Syfe’s management fee, as provided by the fund managers as of {Date/Time}. This is for reference only and not a guarantee of future performance. A positive yield does not imply a positive return.
Steady returns by design
Yield+ is built to deliver lower-volatility performance — though like any investment, day-to-day returns can vary.
Yield+
core equity100
core equity100
Since inception on 30th April 2025
*Source: Syfe and product issuers. Past returns are shown for illustrative purposes only. They are calculated before fees and in their denominated currencies unless otherwise specified. The past returns since inception (30th April 2025) are based on model portfolio returns with dividends reinvested (if any) 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 and/or supported by historical securities data or proxies. Different customer tiers may have different fee structures and performance of each portfolio may differ. Past returns are not a guarantee for future performance.
Last update:
31st August 2024 14:30 SGT
investment of
HK$10,000
At 4.2% p.a. net yield* for 1 year
Estimated value after 1 year
HK$10,370
Versus HK$10,005** when left in a savings account
*Yield+ net yields as shown are based on the weighted average yield to maturity of the underlying short-duration bond funds, net of fund-level fees and before Syfe’s management fee, as provided by the fund managers as of [date/time] HKT. This is for reference only and not a guarantee of future performance. A positive yield does not imply a positive return.
**Values shown are only for illustration. Hong Kong 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.
Composition
Yield+ consists of a mix of short-duration, high-quality bond funds across HK and global markets.
Some underlying funds are built for lower volatility and liquidity, while others aim for income and growth, allowing the portfolio to tilt towards higher-yielding bonds when conditions allow.
Amundi Funds US Short Term Bond Fund
30%
Taikang Kaitai Overseas Short Tenor Bond Fund
40%
abrdn Short Dated Enhanced Income Fund
30%
core equity100
core equity100
Last update:
31st August 2024 14:30 HKT
Our investment strategy
Yield+ offers a projected net yield of 4.71% p.a. on cash set aside for 12 months or more. Its lower-volatility portfolio of short-duration bond funds is designed to balance risk with enhanced income yields.
With no lock-ins or minimum investment, it gives your “soon” money the flexibility to pursue more attractive yields as you prepare for a renovation, wedding or other major milestones.
FAQs
What is Yield+?
Yield+ is a low-risk managed portfolio invested in short-duration bond funds denominated in HKD. It is built for investors aiming to earn more yields than typical HKD cash or cash-equivalent, with a recommended time horizon of at least 1 year. Your money can move up or down slightly in value, both when you invest and while you stay invested.
How is Yield+ different from Cash+ Flexi and Fixed?
Cash+ Flexi targets stable daily returns via money market funds, with no lock-in period. Cash+ Fixed offers a fixed rate through fixed-term bank deposits, with a lock-in period.
Yield+ invests in short-duration bond funds with the aim to earn more yields than Flexi, without lock-up, with a recommended time horizon of at least 1 year. As it targets a higher yield, your money can move up or down slightly in value, both when you invest and while you stay invested.
What are the underlying funds in Yield+?
The portfolio invests in three funds: Amundi Funds US Short Term Bond A2 (30%), Taikang Kaitai Overseas Short Tenor Bond I Class (40%), and abrdn Short Dated Enhanced Income Fund X (30%). Together the investment grade portfolio maintains an ultra short to short duration.
What are the risks associated with Yield+?
Yield+ is a low-risk portfolio (Risk Level 1), but its value can still go up or down. The main risks are:
- Interest rate risk: When interest rates rise, the portfolio’s value may fall.
- Credit risk: The portfolio invests in bonds issued by governments and companies, which may be unable to make their payments.
- Risk of loss on withdrawal: Rising interest rates push down the prices of the bonds the portfolio holds, which lowers its value. If you withdraw while prices are down, you could get back less than you invested.
To reduce these risks, Yield+ invests in short-duration bond funds, which are less affected by interest rate changes.
Is my capital guaranteed with Yield+?
No, Yield+ is not capital guaranteed. It is an investment portfolio, not a bank deposit, so its value can go up or down. The portfolio holds short-duration bond funds, and their value can change when interest rates move. With an overall duration of about one year, the portfolio is less sensitive to interest rate changes, but it is still affected by them.