In today’s evolving financial landscape, traditional saving methods like fixed deposits are no longer the only option for conservative investors seeking both stability and returns on their cash. There is an increasing appetite for investment alternatives that offer better returns while still providing safety and liquidity. 

This is where Syfe’s Cash+ Guaranteed portfolios come in. Designed for investors seeking a fuss-free way to grow their cash without taking on significant risk, Cash+ Guaranteed provides an excellent alternative to traditional savings products to suit varying investment goals and risk appetites. 

Table of Contents

1. What is Syfe Cash+ Guaranteed?
2. Key Benefits of Cash+ Guaranteed
3. Cash+ Guaranteed Available in Both SGD and USD
4. Which Cash+ Guaranteed Portfolio is Right for Me—SGD or USD?
5. Conclusion

What is Syfe Cash+ Guaranteed?

Cash+ Guaranteed is a low-risk cash management solution that offers investors a better place to park their cash. As the name suggests, it’s a capital-guaranteed portfolio that is designed to provide higher returns on your cash while keeping your principal protected by securing the most attractive rates from banks in Singapore.

Key Benefits of Cash+ Guaranteed

Cash+ Guaranteed comes with several key features that make it an attractive and practical investment option for cash management: 

1. Principal and Returns Guaranteed: Cash+ Guaranteed guarantees both your capital and returns. The portfolios ensure that your principal investment is protected so investors can minimise risk while still achieving an attractive return on their cash.
   
2. Optimised Rates From MAS-Regulated Banks: We invest your funds into fixed deposits products provided by MAS-regulated banks, which means we can secure competitive rates and make them available to you. We also regularly review fixed deposit rates from several partnering bank providers to deliver you optimised rates so that you don’t need to keep switching banks to access higher rates. The rates will be refreshed on a regular basis and reflected on the Syfe app.
   
3. Invest With No Hoops, Caps, or Fees: The Cash+ portfolios charge no minimum or fall-below fees. And unlike with high-yield savings accounts, you don’t need to meet any qualifying criteria such as salary credits and/or minimum investment to earn the full rate. There is also no cap on the amount you can place in your account to access the stated rates. 

Cash+ Guaranteed Available in Both SGD and USD

The Cash+ Guaranteed portfolio is now available in both Singapore Dollars (SGD) and US Dollars (USD). In terms of rates, they stack up well against fixed deposits offered by local banks.

• Cash+ Guaranteed SGD: 
  • Ideal for investors who prefer to keep their cash in Singapore dollars and gain stable returns. 
  • At 2.3–2.75% p.a., Cash+ Guaranteed SGD offers a more competitive return compared to DBS’s 0.05–2.15% and UOB’s 0.30% (promotional 2.30% until 29 March 2025)*.

*Fixed deposit account benchmarks are taken from the 6-month foreign currency fixed deposit rates offered by the top three Singapore banks (DBS, UOB, OCBC), including promotional rates. OCBC currently does not offer 6-month FDs. Updated as of 18 Mar 2025.

• Cash+ Guaranteed USD:
  • Designed for investors seeking to increase USD exposure or looking to diversify their currency holdings. Cash+ Guaranteed USD allows you to invest in US Dollars, with the same guarantees and features as the SGD version. You are able to invest and withdraw in SGD seamlessly, and we’ll handle the conversion without FX conversion fees.
  • At 4.3% for a 1-month tenor, Cash+ Guaranteed USD delivers a superior return compared to DBS’s 4.02–4.12%, UOB’s 3.75–3.95%, and OCBC’s 3.64–3.84%.**

**Fixed deposit account benchmarks are taken from the one-month foreign currency fixed deposit rates offered by the top three Singapore banks (DBS, UOB, OCBC), including promotional rates. Updated as of 24 Mar 2025.

Here’s a side-by-side look at Cash+ Guaranteed SGD and USD:

	Cash+ Guaranteed (SGD)	Cash+ Guaranteed (USD)
Tenor	1, 3, 6, or 12 months	1 month
Minimum Deposit	None	None
Funding Currency	SGD or USD	SGD or USD
Withdrawal Currency	SGD only	SGD or USD
Management Fees	None	None

Do note that while Cash+ Guaranteed USD offer higher rates, investors should understand the potential currency risk they will be taking on, which will depend on forex trends and the macroeconomic climate. Should the exchange rate favour SGD over USD, there would be more advantage in investing in SGD—the opposite holds true.

Which Cash+ Guaranteed Portfolio is Right for Me—SGD or USD?

If you’re looking for a low-risk way to grow your cash savings, Cash+ Guaranteed is a good option for you as it provides steady returns on top of your capital, offering stability with minimal risk. The funds within your Cash+ Guaranteed portfolios are invested in fixed deposits with banks subject to rigorous regulations by the MAS (read more about this on our FAQ),  so you can rest assured that your funds are safe.

Cash+ Guaranteed SGD

Aside from monitoring and securing attractive rates from banks in Singapore, we also offer a lock-in period of 1, 3, 6 or 12 months, depending on your choice.This gives you the flexibility to plan when to retrieve your funds based on your needs. 

Cash+ Guaranteed SGD is a great option for you if you:

• Would like to have guaranteed returns on top of your capital
• Prefer to keep returns stable and steady with minimal risk in SGD
• Are saving up for a short- to mid-term big-ticket purchase (e.g. family trip, car)
• Want to preserve your wealth in a low-risk investment

Cash+ Guaranteed USD

Cash+ Guaranteed USD comes with a 1-month lock-in period to allow for greater flexibility and liquidity. You may choose to hold both SGD and USD portfolios concurrently to diversify your cash portfolio.

Cash+ Guaranteed USD is a great option for you if you:

• Would like to gain more currency exposure
• Want to diversify your cash portfolio in another currency
• Are willing to take on some forex risks to optimise returns

Conclusion

Cash+ Guaranteed is a safe, stable-yielding cash management solution that guarantees capital and returns. It offers flexible lock-in periods to suit your needs, making it an excellent alternative to traditional savings products like fixed deposits or savings accounts. You can now also choose to invest in SGD and/or USD.

For investors looking to optimise their returns with minimal risk, Cash+ Guaranteed provides a smarter, more convenient approach to cash management. 

Read More: 

Here are other articles on how you can manage your cash better:

• Guaranteed investments in Singapore – which is better? Fixed D, SSBs, T-Bills & more
• How to optimise my cash savings for better returns
• Should I be locking in rates now?

Disclaimer: Cash+ Guaranteed is a managed investment portfolio. Investments involve risk. Investment capital and returns are guaranteed if held until end of term, subject to underlying bank risk. This means that your investment is not subject to market fluctuations in price, but that the risk of default of the bank where the fixed deposit is held remains, and there is no separate guarantor whether by Syfe or any third party in respect of such default. Full disclaimers are available at www.syfe.com. This advertisement has not been reviewed by the Monetary Authority of Singapore.