{"id":32460,"date":"2026-08-13T12:25:25","date_gmt":"2026-08-13T04:25:25","guid":{"rendered":"https:\/\/www.syfe.com\/magazine\/?p=32460"},"modified":"2026-08-13T13:14:59","modified_gmt":"2026-08-13T05:14:59","slug":"cash-plus-enhanced-investment-strategy","status":"publish","type":"post","link":"https:\/\/www.syfe.com\/magazine\/cash-plus-enhanced-investment-strategy\/","title":{"rendered":"Introducing Syfe Cash+ Enhanced: A Home for Your \u201cSoon\u201d Money"},"content":{"rendered":"\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"391\" data-attachment-id=\"33502\" data-permalink=\"https:\/\/www.syfe.com\/magazine\/cash-plus-enhanced-investment-strategy\/cash-enhanced-investment-strategy-article-visual-1\/\" data-orig-file=\"https:\/\/www.syfe.com\/magazine\/wp-content\/uploads\/2026\/08\/Cash-Enhanced-Investment-Strategy-Article-Visual-1.png\" data-orig-size=\"2048,782\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;,&quot;alt&quot;:&quot;&quot;}\" data-image-title=\"Cash+ Enhanced Investment Strategy Article Visual (1)\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/www.syfe.com\/magazine\/wp-content\/uploads\/2026\/08\/Cash-Enhanced-Investment-Strategy-Article-Visual-1-300x115.png\" data-large-file=\"https:\/\/www.syfe.com\/magazine\/wp-content\/uploads\/2026\/08\/Cash-Enhanced-Investment-Strategy-Article-Visual-1-1024x391.png\" src=\"https:\/\/www.syfe.com\/magazine\/wp-content\/uploads\/2026\/08\/Cash-Enhanced-Investment-Strategy-Article-Visual-1-1024x391.png\" alt=\"\" class=\"wp-image-33502\" srcset=\"https:\/\/www.syfe.com\/magazine\/wp-content\/uploads\/2026\/08\/Cash-Enhanced-Investment-Strategy-Article-Visual-1-1024x391.png 1024w, https:\/\/www.syfe.com\/magazine\/wp-content\/uploads\/2026\/08\/Cash-Enhanced-Investment-Strategy-Article-Visual-1-300x115.png 300w, https:\/\/www.syfe.com\/magazine\/wp-content\/uploads\/2026\/08\/Cash-Enhanced-Investment-Strategy-Article-Visual-1-768x293.png 768w, https:\/\/www.syfe.com\/magazine\/wp-content\/uploads\/2026\/08\/Cash-Enhanced-Investment-Strategy-Article-Visual-1-1536x587.png 1536w, https:\/\/www.syfe.com\/magazine\/wp-content\/uploads\/2026\/08\/Cash-Enhanced-Investment-Strategy-Article-Visual-1-1100x420.png 1100w, https:\/\/www.syfe.com\/magazine\/wp-content\/uploads\/2026\/08\/Cash-Enhanced-Investment-Strategy-Article-Visual-1-696x266.png 696w, https:\/\/www.syfe.com\/magazine\/wp-content\/uploads\/2026\/08\/Cash-Enhanced-Investment-Strategy-Article-Visual-1-1068x408.png 1068w, https:\/\/www.syfe.com\/magazine\/wp-content\/uploads\/2026\/08\/Cash-Enhanced-Investment-Strategy-Article-Visual-1-1920x733.png 1920w, https:\/\/www.syfe.com\/magazine\/wp-content\/uploads\/2026\/08\/Cash-Enhanced-Investment-Strategy-Article-Visual-1.png 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">We are excited to introduce <strong>Cash+ Enhanced<\/strong>, a cash management solution built on short-duration income instruments. With target returns of up to 3.0% p.a. and no lock-ins, it offers a new home for money you don\u2019t need to spend in the next year or two, and complements Syfe\u2019s cash-income continuum that takes care of passive income needs in all stages of your life.<\/p>\n\n\n\n<h2 id=\"h-summary\" class=\"wp-block-heading\"><strong>Summary:<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Why Cash+ Enhanced, Why Now&nbsp;<\/li>\n\n\n\n<li>Inside the Strategy:\n<ul class=\"wp-block-list\">\n<li>How we make your cash work harder<\/li>\n\n\n\n<li>How we manage risk, cut costs for you<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>Frequently Asked Questions<br><\/li>\n<\/ul>\n\n\n\n<h2 id=\"h-why-cash-enhanced-every-dollar-has-a-job\" class=\"wp-block-heading\"><strong>Why Cash+ Enhanced? Every dollar has a job<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Every dollar in your portfolio <a href=\"https:\/\/www.syfe.com\/magazine\/where-to-keep-your-cash-guide-to-match-every-dollar-to-purpose\/\" target=\"_blank\" rel=\"noreferrer noopener\">has a job<\/a>. Some are \u201cnow\u201d money for immediate needs and wants. \u201cLater\u201d money is what you are saving for your retirement fund.<br><br>In between sits <strong>\u201csoon\u201d money<\/strong> which, left idle, could quickly lose its earning power. The interest rate Singapore\u2019s six-month T-bills offer is now less than 1.6%, having fallen from above 4% at the end of 2021.<sup><a href=\"#superscript-1\">1<\/a><\/sup><\/p>\n\n\n\n<!--\n  Every dollar has a job \u2014 now \/ soon \/ later money\n  Structure follows the Syfe cash guide table; horizons follow the Cash+ Enhanced strategy doc.\n-->\n\n<style>\n  :root{\n    --s-cream:#FDFBF3; --s-navy:#2B3A61; --s-navy-dk:#16233F; --s-blue:#4262C7;\n    --s-gold:#E0B54A; --s-cell:#E5EBF7; --s-grid:#E9E8E2; --s-mute:#6B7793;\n  }\n  *{box-sizing:border-box}\n  .nb-wrap{font-family:\"Inter\",\"Helvetica Neue\",-apple-system,BlinkMacSystemFont,\"Segoe UI\",Arial,sans-serif;\n    max-width:1160px;margin:0 auto;color:var(--s-navy-dk);-webkit-font-smoothing:antialiased}\n  .nb-wrap .nb-card{background:var(--s-cream);border-radius:12px;padding:30px 36px 26px}\n\n  .nb-wrap .nb-eyebrow{font-size:21px;font-style:italic;color:var(--s-blue);margin:0 0 4px;font-weight:500;letter-spacing:-.01em}\n  .nb-wrap .nb-title{font-size:29px;font-weight:800;letter-spacing:-.02em;margin:0 0 26px;line-height:1.12}\n\n  .nb-wrap .nb-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;align-items:stretch}\n\n  .nb-wrap .nb-col{border-radius:11px;padding:22px 20px 18px;background:var(--s-cell);display:flex;flex-direction:column}\n  .nb-wrap .nb-col.hero{background:var(--s-navy);color:#fff;border:3px solid var(--s-gold);\n    padding:19px 17px 15px;box-shadow:0 12px 28px -14px rgba(43,58,97,.55)}\n\n  .nb-wrap .nb-name{font-size:21px;font-weight:800;letter-spacing:-.02em;margin:0 0 3px;line-height:1.1}\n  .nb-wrap .nb-when{font-size:12.5px;font-weight:700;letter-spacing:.04em;text-transform:uppercase;\n    color:var(--s-blue);margin:0 0 12px}\n  .nb-wrap .hero .nb-when{color:var(--s-gold)}\n  .nb-wrap .nb-purpose{font-size:14px;line-height:1.45;margin:0 0 18px;opacity:.85;min-height:40px}\n\n  .nb-wrap .nb-rule{height:1px;background:rgba(43,58,97,.16);margin:0 0 16px}\n  .nb-wrap .hero .nb-rule{background:rgba(255,255,255,.28)}\n\n  .nb-wrap .nb-eg{display:grid;grid-template-columns:repeat(2,1fr);gap:14px 10px}\n  .nb-wrap .nb-eg div{display:flex;flex-direction:column;align-items:center;gap:6px;text-align:center}\n  .nb-wrap .nb-eg svg{width:26px;height:26px;stroke:currentColor;fill:none;stroke-width:1.5;\n    stroke-linecap:round;stroke-linejoin:round;opacity:.9}\n  .nb-wrap .nb-eg span{font-size:11px;line-height:1.25;font-weight:500;opacity:.82}\n\n  .nb-wrap .nb-rail{position:relative;height:6px;border-radius:3px;margin:22px 0 0;\n    background:linear-gradient(90deg,var(--s-cell) 0%,var(--s-blue) 50%,var(--s-navy) 100%)}\n  .nb-wrap .nb-ticks{display:flex;justify-content:space-between;margin-top:9px;\n    font-size:11px;font-weight:700;letter-spacing:.05em;text-transform:uppercase;color:var(--s-mute)}\n\n  .nb-wrap .nb-src{font-size:10.5px;color:var(--s-mute);line-height:1.6;margin:20px 0 0;\n    padding-top:13px;border-top:1px solid var(--s-grid)}\n\n  @media (max-width:760px){\n    .nb-wrap .nb-card{padding:20px 14px 18px}\n    .nb-wrap .nb-title{font-size:19px;margin-bottom:18px}.nb-wrap .nb-eyebrow{font-size:15px}\n    .nb-wrap .nb-grid{grid-template-columns:1fr;gap:9px}\n    .nb-wrap .nb-col{padding:16px 15px 14px}.nb-wrap .nb-col.hero{padding:14px 13px 12px}\n    .nb-wrap .nb-name{font-size:17px}.nb-wrap .nb-purpose{min-height:0;font-size:13px;margin-bottom:14px}\n    .nb-wrap .nb-eg{grid-template-columns:repeat(4,1fr)}\n    .nb-wrap .nb-ticks{font-size:9px}\n  }\n\n  \/* --- WordPress defence: theme rules like .entry-content p beat a single class --- *\/\n  .nb-wrap p, .nb-wrap td, .nb-wrap th, .nb-wrap span, .nb-wrap div{margin:0}\n  .nb-wrap .yl-src, .nb-wrap .nb-src, .nb-wrap .rs-src, .nb-wrap .yb-src, .nb-wrap .rr-src{\n    font-size:10.5px !important; line-height:1.6 !important; letter-spacing:normal !important}\n<\/style>\n\n<div class=\"nb-wrap\">\n<div class=\"nb-card\">\n\n  <p class=\"nb-eyebrow\">Every dollar has a job<\/p>\n  <h2 class=\"nb-title\">Now, Soon and Later Money<\/h2>\n\n  <div class=\"nb-grid\">\n\n    <!-- NOW -->\n    <div class=\"nb-col\">\n      <p class=\"nb-name\">&ldquo;Now&rdquo; money<\/p>\n      <p class=\"nb-when\">Immediately<\/p>\n      <p class=\"nb-purpose\">Flexibility and quick access.<\/p>\n      <div class=\"nb-rule\"><\/div>\n      <div class=\"nb-eg\">\n        <div><svg viewBox=\"0 0 22 22\"><path d=\"M11 2.5 18.5 5.2v5.6c0 4.2-3.2 7.4-7.5 8.4-4.3-1-7.5-4.2-7.5-8.4V5.2z\"\/><\/svg><span>Emergency<br>fund<\/span><\/div>\n        <div><svg viewBox=\"0 0 22 22\"><path d=\"M5 2.5h12v17l-2-1.5-2 1.5-2-1.5-2 1.5-2-1.5-2 1.5z\"\/><path d=\"M8.5 7.5h5M8.5 11.5h5\"\/><\/svg><span>Monthly<br>expenses<\/span><\/div>\n        <div><svg viewBox=\"0 0 22 22\"><path d=\"M2.5 4h2.4l2.3 10h9l1.9-7H6.4\"\/><circle cx=\"9\" cy=\"17.4\" r=\"1.4\"\/><circle cx=\"15.6\" cy=\"17.4\" r=\"1.4\"\/><\/svg><span>Everyday<br>spending<\/span><\/div>\n      <\/div>\n    <\/div>\n\n    <!-- SOON -->\n    <div class=\"nb-col hero\">\n      <p class=\"nb-name\">&ldquo;Soon&rdquo; money<\/p>\n      <p class=\"nb-when\">Within 1 to 2 years<\/p>\n      <p class=\"nb-purpose\">Balancing liquidity with growth.<\/p>\n      <div class=\"nb-rule\"><\/div>\n      <div class=\"nb-eg\">\n        <div><svg viewBox=\"0 0 22 22\"><circle cx=\"8\" cy=\"13.5\" r=\"4.6\"\/><circle cx=\"14\" cy=\"13.5\" r=\"4.6\"\/><path d=\"M11 3.2 13 6.4h-4z\"\/><\/svg><span>Wedding<\/span><\/div>\n        <div><svg viewBox=\"0 0 22 22\"><path d=\"M2.6 9.6 11 3l8.4 6.6\"\/><path d=\"M5.2 11.2V19h11.6v-7.8\"\/><path d=\"M9.4 19v-4.4h3.2V19\"\/><\/svg><span>Renovation<\/span><\/div>\n        <div><svg viewBox=\"0 0 22 22\"><path d=\"M3.2 13.6h15.6v3.8H3.2z\"\/><path d=\"M4.9 13.6 6.7 8h8.6l1.8 5.6\"\/><circle cx=\"7\" cy=\"17.4\" r=\"1.5\"\/><circle cx=\"15\" cy=\"17.4\" r=\"1.5\"\/><\/svg><span>Car<br>purchase<\/span><\/div>\n      <\/div>\n    <\/div>\n\n    <!-- LATER -->\n    <div class=\"nb-col\">\n      <p class=\"nb-name\">&ldquo;Later&rdquo; money<\/p>\n      <p class=\"nb-when\">3 years and beyond<\/p>\n      <p class=\"nb-purpose\">Long-term growth.<\/p>\n      <div class=\"nb-rule\"><\/div>\n      <div class=\"nb-eg\">\n        <div><svg viewBox=\"0 0 22 22\"><path d=\"M2.8 17.6h16.4\"\/><path d=\"M5.2 14.2 9.4 9.4l3.4 2.8 5-5.8\"\/><path d=\"M13.8 6.4h4v4\"\/><\/svg><span>Investing<br>opportunities<\/span><\/div>\n        <div><svg viewBox=\"0 0 22 22\"><path d=\"M5 3v16.4\"\/><path d=\"M5 4.4h11.4l-2.6 3.6 2.6 3.6H5z\"\/><\/svg><span>Retirement<br>fund<\/span><\/div>\n        <div><svg viewBox=\"0 0 22 22\"><path d=\"M11 19.4V9.8\"\/><path d=\"M11 9.8C11 6.4 8.6 3.4 5 3c-.4 3.6 2.2 6.8 6 6.8z\"\/><path d=\"M11 12.6c0-2.8 2-5.4 5-5.8.4 3-1.8 5.8-5 5.8z\"\/><\/svg><span>Building<br>wealth<\/span><\/div>\n      <\/div>\n    <\/div>\n\n  <\/div>\n\n  <div class=\"nb-rail\"><\/div>\n  <div class=\"nb-ticks\"><span>Today<\/span><span>1 year<\/span><span>2 years<\/span><span>3 years and beyond<\/span><\/div>\n\n  <p class=\"nb-src\">\n    Illustrative. Time horizons shown are general guides rather than recommendations, and the right holding period\n    depends on your own circumstances and plans. Source: Syfe.\n  <\/p>\n\n<\/div>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Above this \u201ccash\u201d rate, investors are left with little choice: take sizable risks or accept sub-optimal returns. To earn over 2.3% in SGD, you would need to buy 10-year government bonds, with about 9 years of \u201c<a href=\"https:\/\/www.syfe.com\/magazine\/why-bonds-fall-and-how-it-could-work-in-your-favour\/\" target=\"_blank\" rel=\"noreferrer noopener\">duration<\/a>\u201d (or interest rate sensitivity) risk, against roughly half a year on the T-bill. That\u2019s ~18x the duration risk for just 0.7 percentage points of additional income.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><em>Cash+ Enhanced<\/em> is built to bridge that gap.<\/strong> By holding short-duration bonds from high-quality companies as well as governments, it is projected to generate 3.0% a year on just ~2 years of duration. The extra return comes from who we lend to and the quality of the managers that select these bonds, underpinned by an architecture designed by Syfe to strike the balance between risk and reward.<br><\/p>\n\n\n\n<!--\n  Syfe yield ladder \u2014 SGD like-for-like, with Cash+ Enhanced\n  Structure follows the original slide. Palette lifted from it; swap --s-* for brand tokens.\n-->\n<meta name=\"viewport\" content=\"width=device-width, initial-scale=1\">\n<style>\n  :root{\n    --s-cream:#FDFBF3; --s-navy:#2B3A61; --s-navy-dk:#16233F; --s-blue:#4262C7;\n    --s-gold:#E0B54A; --s-cell:#E5EBF7; --s-grid:#E9E8E2; --s-mute:#6B7793;\n    --gutter:150px; --n:7;\n  }\n  *{box-sizing:border-box}\n  .yl-wrap{font-family:\"Inter\",\"Helvetica Neue\",-apple-system,BlinkMacSystemFont,\"Segoe UI\",Arial,sans-serif;\n    max-width:1160px;margin:0 auto;color:var(--s-navy-dk);\n    font-variant-numeric:tabular-nums;-webkit-font-smoothing:antialiased}\n  .yl-wrap .yl-card{background:var(--s-cream);border-radius:12px;padding:30px 36px 26px}\n\n  .yl-wrap .yl-eyebrow{font-size:21px;font-style:italic;color:var(--s-blue);margin:0 0 4px;font-weight:500;letter-spacing:-.01em}\n  .yl-wrap .yl-title{font-size:29px;font-weight:800;letter-spacing:-.02em;margin:0 0 24px;line-height:1.12}\n\n  .yl-wrap .yl-plot{display:grid;grid-template-columns:var(--gutter) repeat(var(--n),1fr);height:322px;position:relative}\n  .yl-wrap .yl-axis{position:relative}\n  .yl-wrap .yl-axis i{position:absolute;right:14px;transform:translateY(-50%);font-style:normal;\n    font-size:12.5px;font-weight:600;color:var(--s-mute)}\n  .yl-wrap .yl-lines{position:absolute;left:var(--gutter);right:0;top:0;bottom:0;pointer-events:none}\n  .yl-wrap .yl-lines span{position:absolute;left:0;right:0;height:1px;background:var(--s-grid)}\n  .yl-wrap .yl-lines span.base{background:var(--s-navy-dk);opacity:.85}\n\n  .yl-wrap .yl-col{position:relative;display:flex;flex-direction:column;justify-content:flex-end;align-items:center}\n  .yl-wrap .yl-bar{width:58%;background:var(--s-navy);border-radius:2px 2px 0 0}\n  .yl-wrap .yl-bar.ref{background:transparent;border:2px dashed var(--s-mute);border-bottom:none}\n  .yl-wrap .yl-val{position:absolute;width:100%;text-align:center;font-size:14.5px;font-weight:600;padding-bottom:6px}\n\n  .yl-wrap .yl-hi{position:absolute;top:-16px;bottom:-50px;border:3px solid var(--s-gold);border-radius:16px;pointer-events:none}\n\n  .yl-wrap .yl-xrow{display:grid;grid-template-columns:var(--gutter) repeat(var(--n),1fr);padding-top:13px}\n  .yl-wrap .yl-xlab{text-align:center;font-size:12.5px;line-height:1.35;font-weight:600;padding:0 3px}\n  .yl-wrap .yl-xlab em{display:block;font-style:normal;font-size:11px;color:var(--s-mute);font-weight:500;margin-top:1px}\n\n  .yl-wrap .yl-legend{display:flex;align-items:center;justify-content:center;gap:8px;margin:18px 0 18px;\n    font-size:12.5px;font-weight:500}\n  .yl-wrap .yl-swatch{width:13px;height:13px;background:var(--s-navy);border-radius:2px}\n\n  .yl-wrap .yl-tbl{display:grid;grid-template-columns:var(--gutter) repeat(var(--n),1fr);gap:4px 0}\n  .yl-wrap .yl-rlab{background:var(--s-navy);color:#fff;font-size:12.5px;font-weight:700;\n    display:flex;align-items:center;padding:12px 16px;border-radius:4px}\n  .yl-wrap .yl-cell{background:var(--s-cell);display:flex;align-items:center;justify-content:center;\n    text-align:center;font-size:12.5px;color:var(--s-navy);padding:12px 5px;line-height:1.3}\n  .yl-wrap .yl-cell.em{font-weight:700}\n  .yl-wrap .yl-cell.blank{background:transparent}\n\n  .yl-wrap .yl-src{font-size:10px;color:var(--s-mute);line-height:1.55;margin:18px 0 0;\n    padding-top:12px;border-top:1px solid var(--s-grid)}\n\n  @media (max-width:760px){\n    :root{--gutter:60px}\n    .yl-wrap .yl-card{padding:20px 13px 18px}\n    .yl-wrap .yl-title{font-size:19px;margin-bottom:20px}.yl-wrap .yl-eyebrow{font-size:15px}\n    .yl-wrap .yl-plot{height:215px}\n    .yl-wrap .yl-xlab, .yl-wrap .yl-cell{font-size:9px}.yl-wrap .yl-xlab em{font-size:8px}\n    .yl-wrap .yl-rlab{font-size:9px;padding:10px 7px}.yl-wrap .yl-val{font-size:10px}\n  }\n\n  \/* --- WordPress defence: theme rules like .entry-content p beat a single class --- *\/\n  .yl-wrap p, .yl-wrap td, .yl-wrap th, .yl-wrap span, .yl-wrap div{margin:0}\n  .yl-wrap .yl-src, .yl-wrap .nb-src, .yl-wrap .rs-src, .yl-wrap .yb-src, .yl-wrap .rr-src{\n    font-size:10.5px !important; line-height:1.6 !important; letter-spacing:normal !important}\n<\/style>\n\n<div class=\"yl-wrap\">\n<div class=\"yl-card\">\n\n  <p class=\"yl-eyebrow\">Syfe&rsquo;s Suite of Products<\/p>\n  <h2 class=\"yl-title\">Comprehensive Range of Income and Yield Solutions<\/h2>\n\n  <div class=\"yl-plot\">\n    <div class=\"yl-axis\">\n      <i style=\"top:0%\">8.0%<\/i><i style=\"top:25%\">6.0%<\/i><i style=\"top:50%\">4.0%<\/i>\n      <i style=\"top:75%\">2.0%<\/i><i style=\"top:100%\">0.0%<\/i>\n    <\/div>\n    <div class=\"yl-lines\">\n      <span style=\"top:0%\"><\/span><span style=\"top:25%\"><\/span><span style=\"top:50%\"><\/span>\n      <span style=\"top:75%\"><\/span><span class=\"base\" style=\"top:100%\"><\/span>\n    <\/div>\n\n    <div class=\"yl-col\"><div class=\"yl-val\" style=\"bottom:19.9%\">1.6%<\/div><div class=\"yl-bar ref\" style=\"height:19.9%\"><\/div><\/div>\n    <div class=\"yl-col\"><div class=\"yl-val\" style=\"bottom:15.6%\">1.25%<\/div><div class=\"yl-bar\" style=\"height:15.6%\"><\/div><\/div>\n    <div class=\"yl-col\"><div class=\"yl-val\" style=\"bottom:20%\">1.6%<\/div><div class=\"yl-bar\" style=\"height:20%\"><\/div><\/div>\n    <div class=\"yl-col\"><div class=\"yl-val\" style=\"bottom:37.5%\">3.0%<\/div><div class=\"yl-bar\" style=\"height:37.5%\"><\/div><\/div>\n    <div class=\"yl-col\"><div class=\"yl-val\" style=\"bottom:70%\">5.6%<\/div><div class=\"yl-bar\" style=\"height:70%\"><\/div><\/div>\n    <div class=\"yl-col\"><div class=\"yl-val\" style=\"bottom:72.5%\">5.8%<\/div><div class=\"yl-bar\" style=\"height:72.5%\"><\/div><\/div>\n    <div class=\"yl-col\"><div class=\"yl-val\" style=\"bottom:73.75%\">5.9%<\/div><div class=\"yl-bar\" style=\"height:73.75%\"><\/div><\/div>\n\n    <div class=\"yl-hi\" style=\"left:calc(var(--gutter) + (100% - var(--gutter)) * 3\/7 - 7px);\n      width:calc((100% - var(--gutter)) \/ 7 + 14px)\"><\/div>\n  <\/div>\n\n  <div class=\"yl-xrow\">\n    <div><\/div>\n    <div class=\"yl-xlab\">SG T-bill<em>6 months<\/em><\/div>\n    <div class=\"yl-xlab\">Cash+<br>Guaranteed<em>SGD<\/em><\/div>\n    <div class=\"yl-xlab\">Cash+<br>Flexi<em>SGD<\/em><\/div>\n    <div class=\"yl-xlab\">Cash+<br>Enhanced<em>SGD*<\/em><\/div>\n    <div class=\"yl-xlab\">Income+<br>Preserve<em>SGD<\/em><\/div>\n    <div class=\"yl-xlab\">Income+<br>Enhance<em>SGD<\/em><\/div>\n    <div class=\"yl-xlab\">100% REITs<em>SGD<\/em><\/div>\n  <\/div>\n\n  <div class=\"yl-legend\"><i class=\"yl-swatch\"><\/i> Yields<\/div>\n\n  <div class=\"yl-tbl\">\n    <div class=\"yl-rlab\">Holding Period<\/div>\n    <div class=\"yl-cell blank\"><\/div>\n    <div class=\"yl-cell\">&lt;1 Year<\/div>\n    <div class=\"yl-cell\">&lt;1 Year<\/div>\n    <div class=\"yl-cell em\">1 to 2 years<\/div>\n    <div class=\"yl-cell\">3 to 5 years<\/div>\n    <div class=\"yl-cell\">3 to 5 years<\/div>\n    <div class=\"yl-cell\">3 to 5 years<\/div>\n\n    <div class=\"yl-rlab\">Syfe Risk Rating<\/div>\n    <div class=\"yl-cell blank\"><\/div>\n    <div class=\"yl-cell\">Very Low<\/div>\n    <div class=\"yl-cell\">Very Low<\/div>\n    <div class=\"yl-cell em\">Low<\/div>\n    <div class=\"yl-cell\">Low<\/div>\n    <div class=\"yl-cell\">Moderately Low<\/div>\n    <div class=\"yl-cell\">High<\/div>\n\n    <div class=\"yl-rlab\">Payout<\/div>\n    <div class=\"yl-cell blank\"><\/div>\n    <div class=\"yl-cell\">Accumulating<\/div>\n    <div class=\"yl-cell\">Accumulating<\/div>\n    <div class=\"yl-cell em\">Accumulating<\/div>\n    <div class=\"yl-cell\">Monthly<\/div>\n    <div class=\"yl-cell\">Monthly<\/div>\n    <div class=\"yl-cell\">Quarterly<\/div>\n  <\/div>\n\n  <p class=\"yl-src\">\n    All figures in Singapore dollars, shown on a yield basis and correct as of 11 August 2026.\n    SG T-bill is the 6-month auction cut-off yield of 1.59% (4 August 2026), shown for reference.\n    Cash+ Guaranteed is the 6-month guaranteed rate of 1.25% p.a.; 1-month and 3-month terms pay 1.05% and 1.15%.\n    Cash+ Flexi is the projected return of 1.6% p.a. shown on its product page. Cash+ Enhanced is a projected yield, net of all fees.\n    Income+ figures are target payout rates. *Cash+ Enhanced is quoted on an unhedged basis, in line with industry convention. The funds hold\n    both Singapore dollar and foreign currency bonds; the foreign holdings are hedged back to Singapore dollars, and\n    that hedge currently costs around one percentage point, giving a Singapore dollar equivalent of approximately 2.0%.\n    The cost reflects the gap between Singapore and foreign interest rates and will change as those rates change.\n    Cash+ Guaranteed and Cash+ Flexi hold Singapore dollar instruments, so no equivalent adjustment applies to them. Yields are not total returns: for Cash+ Enhanced, Income+ and REITs,\n    the value of your investment moves as well, so what you receive may be higher or lower.\n    Projections and target payouts are not guaranteed. Past performance is not indicative of future results.\n  <\/p>\n\n<\/div>\n<\/div>\n\n\n\n<h2 id=\"h-inside-cash-enhanced\" class=\"wp-block-heading\"><strong>Inside Cash+ Enhanced<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Cash+ Enhanced holds Singapore dollar bond funds actively managed by three leading asset managers. Together the three funds manage over S$4.8 billion.<sup><a href=\"#superscript-1\" type=\"internal\" id=\"#superscript-1\">2<\/a><\/sup><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>LionGlobal Short Duration Bond Fund<\/strong> (35%)<\/li>\n\n\n\n<li><strong>Amova Short Term Bond Fund<\/strong> (35%)<\/li>\n\n\n\n<li><strong>Fullerton Short Term Interest Rate Fund<\/strong> (30%)<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Syfe selects the funds and determines their weights<\/strong>, and monitors the portfolio quarterly against the rules below. We use institutional share classes where available to keep costs low, which investors buying these funds directly generally cannot access, and pass back 100% of any rebate we receive from a fund manager.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>How it earns.<\/strong> Like all fixed income, returns come from two sources:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Carry<\/strong> \u2014 the interest the bonds pay, accruing daily whether prices rise or fall. At portfolio level this runs at 3.5% p.a. before fees, reflecting the spreads of investment grade short-duration credit over government bonds.<br><\/li>\n\n\n\n<li><strong>Price movement<\/strong> \u2014 bond prices move inversely to interest rates, which are shaped by factors such as monetary policy and macroeconomic events.<\/li>\n<\/ul>\n\n\n\n<!--\n  Cash+ Enhanced \u2014 projected yield and total cost\n  Terminology per PDD 3.7 and 5(e). Cost components per the working sheet.\n-->\n<meta name=\"viewport\" content=\"width=device-width, initial-scale=1\">\n<style>\n  :root{\n    --s-cream:#FDFBF3; --s-navy:#2B3A61; --s-navy-dk:#16233F; --s-blue:#4262C7;\n    --s-cell:#E5EBF7; --s-grid:#E9E8E2; --s-mute:#6B7793;\n  }\n  *{box-sizing:border-box}\n  .yb-wrap{font-family:\"Inter\",\"Helvetica Neue\",-apple-system,BlinkMacSystemFont,\"Segoe UI\",Arial,sans-serif;\n    max-width:1160px;margin:0 auto;color:var(--s-navy-dk);\n    font-variant-numeric:tabular-nums;-webkit-font-smoothing:antialiased}\n  .yb-wrap .yb-card{background:var(--s-cream);border-radius:12px;padding:30px 36px 26px}\n\n  .yb-wrap .yb-eyebrow{font-size:21px;font-style:italic;color:var(--s-blue);margin:0 0 4px;font-weight:500;letter-spacing:-.01em}\n  .yb-wrap .yb-title{font-size:29px;font-weight:800;letter-spacing:-.02em;margin:0 0 24px;line-height:1.14}\n\n  .yb-wrap .yb-cap{display:flex;justify-content:space-between;align-items:baseline;\n    font-size:12px;font-weight:700;color:var(--s-mute);margin-bottom:8px;letter-spacing:.02em}\n\n  .yb-wrap .yb-bar{display:flex;height:66px;border-radius:5px;overflow:hidden}\n  .yb-wrap .yb-seg{display:flex;flex-direction:column;align-items:center;justify-content:center;color:#fff;padding:0 4px}\n  .yb-wrap .yb-seg b{font-size:20px;letter-spacing:-.01em;line-height:1.1}\n  .yb-wrap .yb-seg span{font-size:9.5px;font-weight:700;letter-spacing:.06em;opacity:.9;margin-top:3px;text-align:center}\n\n  .yb-wrap .yb-key{display:flex;flex-wrap:wrap;gap:22px;margin-top:14px}\n  .yb-wrap .yb-key div{display:flex;align-items:center;gap:8px;font-size:12.5px;color:var(--s-navy)}\n  .yb-wrap .yb-key i{width:11px;height:11px;border-radius:2px;flex:none}\n  .yb-wrap .yb-key b{font-weight:700}\n\n  .yb-wrap .yb-def{margin-top:16px;font-size:13px;color:var(--s-navy);line-height:1.55}\n\n  .yb-wrap table.yb-tbl{width:100%;border-collapse:separate;border-spacing:0 4px;margin-top:20px}\n  .yb-wrap table.yb-tbl td{background:var(--s-cell);font-size:13.5px;color:var(--s-navy);\n    padding:13px 18px;line-height:1.3;text-align:right}\n  .yb-wrap table.yb-tbl td:first-child{text-align:left;border-radius:4px 0 0 4px}\n  .yb-wrap table.yb-tbl td:last-child{border-radius:0 4px 4px 0;font-weight:700}\n  .yb-wrap table.yb-tbl tr.total td{background:var(--s-navy);color:#fff;font-weight:700}\n\n  .yb-wrap .yb-src{font-size:10.5px;color:var(--s-mute);line-height:1.65;margin:20px 0 0;\n    padding-top:14px;border-top:1px solid var(--s-grid)}\n\n  @media (max-width:760px){\n    .yb-wrap .yb-card{padding:20px 14px 18px}\n    .yb-wrap .yb-title{font-size:19px}.yb-wrap .yb-eyebrow{font-size:14px}\n    .yb-wrap .yb-bar{height:56px}.yb-wrap .yb-seg b{font-size:15px}.yb-wrap .yb-seg span{font-size:7.5px;letter-spacing:.03em}\n    .yb-wrap .yb-key div{font-size:11px;gap:6px}.yb-wrap .yb-key{gap:12px}\n    .yb-wrap .yb-def{font-size:11.5px}\n    .yb-wrap table.yb-tbl td{font-size:11.5px;padding:11px 12px}\n  }\n\n  \/* --- WordPress defence: theme rules like .entry-content p beat a single class --- *\/\n  .yb-wrap p, .yb-wrap td, .yb-wrap th, .yb-wrap span, .yb-wrap div{margin:0}\n  .yb-wrap .yl-src, .yb-wrap .nb-src, .yb-wrap .rs-src, .yb-wrap .yb-src, .yb-wrap .rr-src{\n    font-size:10.5px !important; line-height:1.6 !important; letter-spacing:normal !important}\n<\/style>\n\n<div class=\"yb-wrap\">\n<div class=\"yb-card\">\n\n  <p class=\"yb-eyebrow\">Cash+ Enhanced<\/p>\n  <h2 class=\"yb-title\">The Projected Yield, and What It Costs<\/h2>\n\n  <div class=\"yb-cap\">\n    <span>NET PROJECTED YIELD<\/span>\n    <span>COSTS &rarr;<\/span>\n  <\/div>\n\n  <div class=\"yb-bar\">\n    <div class=\"yb-seg\" style=\"width:86.6%;background:var(--s-navy)\">\n      <b>3.0%* p.a.<\/b><span>NET PROJECTED YIELD TO MATURITY<\/span>\n    <\/div>\n    <div class=\"yb-seg\" style=\"width:7.7%;background:var(--s-blue)\"><\/div>\n    <div class=\"yb-seg\" style=\"width:5.7%;background:var(--s-mute)\"><\/div>\n  <\/div>\n\n  <div class=\"yb-key\">\n    <div><i style=\"background:var(--s-navy)\"><\/i><b>3.0%<\/b>&nbsp;net projected yield<\/div>\n    <div><i style=\"background:var(--s-blue)\"><\/i><b>0.26%<\/b>&nbsp;fund fees, after rebates<\/div>\n    <div><i style=\"background:var(--s-mute)\"><\/i><b>0.20%<\/b>&nbsp;Syfe Access Fee<\/div>\n  <\/div>\n\n  <p class=\"yb-def\">Net projected yield to maturity, after fund-level fees, rebates passed through and the Syfe Access Fee.<\/p>\n\n  <table class=\"yb-tbl\">\n    <tr><td>Fund-level fees<\/td><td>0.36%<\/td><\/tr>\n    <tr><td>Rebates passed back to you<\/td><td>&minus;0.10%<\/td><\/tr>\n    <tr><td>Syfe Access Fee (flat)<\/td><td>0.20%<\/td><\/tr>\n    <tr class=\"total\"><td>Total cost<\/td><td>0.46% p.a.<\/td><\/tr>\n  <\/table>\n\n  <p class=\"yb-src\">\n    *Quoted in local currency terms, in line with industry convention. The funds hold both Singapore dollar\n    and foreign currency bonds. The foreign holdings are hedged back to Singapore dollars, and because that hedge\n    currently costs around one percentage point, the Singapore dollar equivalent net yield is approximately 2.0%.\n    That cost reflects the gap between Singapore and foreign interest rates and will change as those rates change.\n    It is borne within the funds&rsquo; value rather than charged to you.<br><br>\n    Fund-level fees are 0.32% (LionGlobal), 0.43% (Amova) and 0.34% (Fullerton), blended at approximately 0.36%.\n    Syfe passes back 100% of any rebate received from a fund manager. A projected yield is not a guaranteed return.\n    Correct as of 11 August 2026.\n  <\/p>\n\n<\/div>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>The risks.<\/strong> To generate that return, the strategy takes on two risks \u2013 both kept in-check by our rules.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Interest rate risk.<\/strong> Duration is ~2 years at launch, and our rules cap it at 2.5. A one-percentage point rise in rates costs around 2% in capital, which 12 months of income is almost enough to cover.<br><\/li>\n\n\n\n<li><strong>Credit risk.<\/strong> Every constituent fund is investment grade, with a BBB rating floor written into the portfolio\u2019s rules. We have deliberately spread it evenly across three managers rather than concentrating with one, so no single credit process skews the outcome.<br><br>Because this strategy invests in bonds, its <strong>net asset value (NAV) <\/strong>fluctuates with interest rates and credit spreads \u2013 unlike a deposit-based product.<br><br>To neutralise <strong>currency risks<\/strong>, this fund is SGD-hedged. That cost is borne within the underlying funds\u2019 value, not charged to you. Cash+ Enhanced has <strong>no lock-in<\/strong> and <strong>no minimum holding period<\/strong>, and withdrawals typically settle in three business days<\/li>\n<\/ul>\n\n\n\n<h2 id=\"h-managing-risk-compressing-costs\" class=\"wp-block-heading\"><strong>Managing Risk, Compressing Costs<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Compressing cost.<\/strong> The use of institutional share classes, wherever they are available, brings fund-level fees to around 0.36% a year \u2013 which can be cut further for <a href=\"https:\/\/www.syfe.com\/pricing\" target=\"_blank\" rel=\"noreferrer noopener\">certain client tiers<\/a> \u2013 of which roughly 0.10% comes back to you as rebates.<sup><a href=\"#superscript-1\">3<\/a><\/sup> Syfe charges a flat 0.20% access fee. Total cost comes to about 0.46% a year, taken from the yield rather than billed separately.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Managing risk.<\/strong> With a duration of roughly ~2 years at launch, income from the underlying funds can absorb a sudden 94 basis point rise in rates before you would end a year with less than you invested. Conversely, were rates to fall half a percentage point, that same year could lift returns to around 3.1%.<\/p>\n\n\n\n<!--\n  Cash+ Enhanced \u2014 historical returns vs Cash+ Flexi\n  Data: fund factsheets (June 2026) weighted 35\/35\/30; Syfe returns sheet as at 30 June 2026.\n-->\n<meta name=\"viewport\" content=\"width=device-width, initial-scale=1\">\n<style>\n  :root{\n    --s-cream:#FDFBF3; --s-navy:#2B3A61; --s-navy-dk:#16233F; --s-blue:#4262C7;\n    --s-gold:#E0B54A; --s-cell:#E5EBF7; --s-grid:#E9E8E2; --s-mute:#6B7793;\n    --s-pos:#1B7F5A; --s-neg:#C0504D; --s-pale:#B9C6E4;\n  }\n  *{box-sizing:border-box}\n  .rr-wrap{font-family:\"Inter\",\"Helvetica Neue\",-apple-system,BlinkMacSystemFont,\"Segoe UI\",Arial,sans-serif;\n    max-width:1160px;margin:0 auto 26px;color:var(--s-navy-dk);\n    font-variant-numeric:tabular-nums;-webkit-font-smoothing:antialiased}\n  .rr-wrap .rr-card{background:var(--s-cream);border-radius:12px;padding:30px 36px 26px}\n  .rr-wrap .rr-eyebrow{font-size:21px;font-style:italic;color:var(--s-blue);margin:0 0 4px;font-weight:500;letter-spacing:-.01em}\n  .rr-wrap .rr-title{font-size:29px;font-weight:800;letter-spacing:-.02em;margin:0 0 6px;line-height:1.15}\n  .rr-wrap .rr-sub{font-size:13px;color:var(--s-mute);margin:0 0 26px;line-height:1.5}\n\n  .rr-wrap \/* ---- chart ---- *\/\n  .rr-plot{display:grid;grid-template-columns:56px 1fr 1fr;height:270px;position:relative}\n  .rr-wrap .rr-axis{position:relative}\n  .rr-wrap .rr-axis i{position:absolute;right:12px;transform:translateY(-50%);font-style:normal;\n    font-size:11.5px;font-weight:600;color:var(--s-mute)}\n  .rr-wrap .rr-lines{position:absolute;left:56px;right:0;top:0;bottom:0;pointer-events:none}\n  .rr-wrap .rr-lines span{position:absolute;left:0;right:0;height:1px;background:var(--s-grid)}\n  .rr-wrap .rr-lines span.base{background:var(--s-navy-dk);opacity:.85}\n\n  .rr-wrap .rr-group{position:relative;display:flex;align-items:flex-end;justify-content:center;gap:16px;padding:0 12px}\n  .rr-wrap .rr-bar{position:relative;width:46px;border-radius:2px 2px 0 0}\n  .rr-wrap .rr-bar i{position:absolute;bottom:100%;left:50%;transform:translateX(-50%);\n    font-style:normal;font-size:13.5px;font-weight:700;padding-bottom:6px;white-space:nowrap}\n\n  .rr-wrap .rr-xrow{display:grid;grid-template-columns:56px 1fr 1fr;padding-top:12px}\n  .rr-wrap .rr-xlab{text-align:center;font-size:13px;font-weight:700}\n  .rr-wrap .rr-xlab em{display:block;font-style:normal;font-size:10.5px;color:var(--s-mute);font-weight:600;margin-top:2px}\n\n  .rr-wrap .rr-legend{display:flex;justify-content:center;gap:24px;margin:20px 0 0;font-size:12.5px;font-weight:500}\n  .rr-wrap .rr-legend div{display:flex;align-items:center;gap:8px}\n  .rr-wrap .rr-legend i{width:12px;height:12px;border-radius:2px;flex:none}\n\n  .rr-wrap \/* ---- table ---- *\/\n  table.rr-tbl{width:100%;border-collapse:separate;border-spacing:0 4px}\n  .rr-wrap table.rr-tbl th{background:var(--s-navy);color:#fff;font-size:11.5px;font-weight:700;letter-spacing:.03em;\n    text-align:right;padding:12px 14px;line-height:1.35}\n  .rr-wrap table.rr-tbl th:first-child{text-align:left;border-radius:4px 0 0 4px}\n  .rr-wrap table.rr-tbl th:last-child{border-radius:0 4px 4px 0}\n  .rr-wrap table.rr-tbl td{font-size:13.5px;padding:14px;text-align:right;line-height:1.3;color:var(--s-navy)}\n  .rr-wrap table.rr-tbl td:first-child{text-align:left;border-radius:4px 0 0 4px;font-weight:600}\n  .rr-wrap table.rr-tbl td:last-child{border-radius:0 4px 4px 0}\n  .rr-wrap td small{display:block;font-size:10.5px;font-weight:600;color:var(--s-mute);margin-top:2px}\n\n  .rr-wrap tr.tier1 td{background:#F1F4FB}\n  .rr-wrap tr.tier2 td{background:#DCE4F5}\n  .rr-wrap tr.tier3 td{background:#C3D0EC}\n  .rr-wrap tr.hero td{background:var(--s-blue);color:#fff}\n  .rr-wrap tr.hero td:first-child{box-shadow:inset 5px 0 0 var(--s-gold)}\n  .rr-wrap tr.hero td small{color:rgba(255,255,255,.72)}\n  .rr-wrap tr.hero td.big{font-size:16px;font-weight:800;letter-spacing:-.01em}\n  .rr-wrap tr.delta td{background:transparent;font-size:12px;font-weight:700;padding-top:8px;padding-bottom:8px}\n  .rr-wrap .up{color:var(--s-pos)} .rr-wrap .dn{color:var(--s-neg)} .rr-wrap .na{color:var(--s-mute);font-weight:500}\n\n  .rr-wrap .rr-src{font-size:10.5px;color:var(--s-mute);line-height:1.6;margin:20px 0 0;\n    padding-top:14px;border-top:1px solid var(--s-grid)}\n\n  @media (max-width:760px){\n    .rr-wrap .rr-card{padding:20px 14px 18px}\n    .rr-wrap .rr-title{font-size:19px}.rr-wrap .rr-eyebrow{font-size:14px}\n    .rr-wrap .rr-plot{height:200px;grid-template-columns:38px 1fr 1fr}\n    .rr-wrap .rr-lines{left:38px}.rr-wrap .rr-xrow{grid-template-columns:38px 1fr 1fr}\n    .rr-wrap .rr-bar{width:26px}.rr-wrap .rr-bar i{font-size:10px}\n    .rr-wrap .rr-xlab{font-size:10.5px}\n    .rr-wrap table.rr-tbl th{font-size:9px;padding:9px 7px}\n    .rr-wrap table.rr-tbl td{font-size:11px;padding:10px 7px}\n  }\n\n  \/* --- WordPress defence: theme rules like .entry-content p beat a single class --- *\/\n  .rr-wrap p, .rr-wrap td, .rr-wrap th, .rr-wrap span, .rr-wrap div{margin:0}\n  .rr-wrap .yl-src, .rr-wrap .nb-src, .rr-wrap .rs-src, .rr-wrap .yb-src, .rr-wrap .rr-src{\n    font-size:10.5px !important; line-height:1.6 !important; letter-spacing:normal !important}\n<\/style>\n\n<!-- ============ TABLE ============ -->\n<div class=\"rr-wrap\">\n<div class=\"rr-card\">\n  <p class=\"rr-eyebrow\">Cash+<\/p>\n  <h2 class=\"rr-title\">Historical Performance Comparison<\/h2>\n  <p class=\"rr-sub\">Annualised returns in Singapore dollars, to 30 June 2026.<\/p>\n\n  <table class=\"rr-tbl\">\n    <thead>\n      <tr><th>Product<\/th><th>Syfe risk<br>rating<\/th><th>1 year<\/th><th>3 years<\/th><\/tr>\n    <\/thead>\n    <tbody>\n      <tr class=\"tier1\">\n        <td>Cash+ Guaranteed<small>Fixed rate, capital guaranteed<\/small><\/td>\n        <td>Very Low<\/td><td class=\"na\">n\/a*<\/td><td class=\"na\">n\/a*<\/td>\n      <\/tr>\n      <tr class=\"tier1\">\n        <td>Cash+ Flexi (SGD)<small>Money market funds<\/small><\/td>\n        <td>Very Low<\/td><td>1.70%<\/td><td>2.85%<\/td>\n      <\/tr>\n      <tr class=\"hero\">\n        <td>Cash+ Enhanced<small>Short-duration bond funds<\/small><\/td>\n        <td>Low<\/td><td class=\"big\">2.69%<\/td><td class=\"big\">4.07%<\/td>\n      <\/tr>\n      <tr class=\"delta\">\n        <td>Cash+ Enhanced vs Cash+ Flexi<\/td>\n        <td><\/td><td class=\"up\">+0.99pp<\/td><td class=\"up\">+1.22pp<\/td>\n      <\/tr>\n    <\/tbody>\n  <\/table>\n\n  <p class=\"rr-src\">\n    *Cash+ Guaranteed pays a fixed rate over a set term, so it has no variable return history to compare. Cash+ Enhanced figures are the 35\/35\/30 weighted average of the three constituent funds&rsquo; published returns,\n    after fund-level fees and before the Syfe Access Fee of 0.20% p.a. Past performance is not indicative of future results.\n  <\/p>\n<\/div>\n<\/div>\n\n\n\n<h2 id=\"h-summary-make-your-cash-work-harder\" class=\"wp-block-heading\"><strong>Summary: Make Your Cash Work Harder<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The three funds that make up Cash+ Enhanced have a strong track record, delivering 2.69% and 4.07% a year over one- and three-year horizons. That is superior to Cash+ Flexi&#8217;s 1.70% and 2.85%, but it also reflects the higher risk that leads to the greater reward with this product.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cash+ Enhanced is therefore the ideal home for your &#8220;soon&#8221; money \u2013 powering up your savings while giving you peace of mind with flexibility. Affordable, accessible, and simply structured. Make your cash work harder, starting today. Explore <strong>Cash+ Enhanced<\/strong> on Syfe.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>All figures correct as of 11 August 2026. Projected returns are not guaranteed.<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><sup>1<\/sup>&nbsp;Monetary Authority of Singapore. Cut-off yield of 6-month T-Bill auctions, December 2022 (4.4%) and July 2026 (1.59%).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><sup>2<\/sup> As of June 2026.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><sup>3<\/sup> Syfe has a tier-based pricing system. Pricing for Cash+ Enhanced will follow Cash+ Flexi\u2019s. As an example, Syfe charges blue tier clients (no minimum AUM) 0.2% p.a. for Cash+ Flexi, and 0.15% for Platinum (AUM S$1m) and Diamond (AUM $5m or above) for the same product. <\/p>\n","protected":false},"excerpt":{"rendered":"<p>We are excited to introduce Cash+ Enhanced, a cash management solution built on short-duration income instruments. With target returns of up to 3.0% p.a. and no lock-ins, it offers a new home for money you don\u2019t need to spend in the next year or two, and complements Syfe\u2019s cash-income continuum that takes care of passive [&hellip;]<\/p>\n","protected":false},"author":113,"featured_media":33504,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[238],"tags":[],"class_list":["post-32460","post","type-post","status-publish","format-standard","has-post-thumbnail","category-product-updates"],"acf":{"readingTime":"","authorName":"","authorThumbnail":false,"BLUE_TIER":"0","BLACK_TIER":"0","GOLD_TIER":"0","PRIVATE_WEALTH_TIER":"0","PRE_AML":"0","POST_AML":"0","NO_GLOBAL_PORTFOLIO":"0","NO_REITS_PORTFOLIO":"0","NO_EQUITY_PORTFOLIO":"0","NO_CASH_PORTFOLIO":"0","HAS_ADVISOR":"0","INVESTMENT_PORTFOLIO_AUM":"0","AFTER_AML_DATE":"","AFTER_ACCOUNT_CREATED_DATE":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.1 (Yoast SEO v27.1.1) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Introducing Syfe Cash+ Enhanced: A Home for Your \u201cSoon\u201d Money - Connect<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.syfe.com\/magazine\/cash-plus-enhanced-investment-strategy\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Introducing Syfe Cash+ Enhanced: A Home for Your \u201cSoon\u201d Money\" \/>\n<meta property=\"og:description\" content=\"We are excited to introduce Cash+ Enhanced, a cash management solution built on short-duration income instruments. With target returns of up to 3.0% p.a.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.syfe.com\/magazine\/cash-plus-enhanced-investment-strategy\/\" \/>\n<meta property=\"og:site_name\" content=\"Connect\" \/>\n<meta property=\"article:published_time\" content=\"2026-08-13T04:25:25+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-08-13T05:14:59+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.syfe.com\/magazine\/wp-content\/uploads\/2026\/08\/Cash-Enhanced-Investment-Strategy-Article-Visual-Square-2.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1080\" \/>\n\t<meta property=\"og:image:height\" content=\"1080\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Noah Sin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Noah Sin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"8 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.syfe.com\/magazine\/cash-plus-enhanced-investment-strategy\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.syfe.com\/magazine\/cash-plus-enhanced-investment-strategy\/\"},\"author\":{\"name\":\"Noah Sin\",\"@id\":\"https:\/\/www.syfe.com\/magazine\/#\/schema\/person\/b05bcc3af8f5d6850ea380998e3cf235\"},\"headline\":\"Introducing Syfe Cash+ Enhanced: A Home for Your \u201cSoon\u201d Money\",\"datePublished\":\"2026-08-13T04:25:25+00:00\",\"dateModified\":\"2026-08-13T05:14:59+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.syfe.com\/magazine\/cash-plus-enhanced-investment-strategy\/\"},\"wordCount\":1506,\"publisher\":{\"@id\":\"https:\/\/www.syfe.com\/magazine\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.syfe.com\/magazine\/cash-plus-enhanced-investment-strategy\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.syfe.com\/magazine\/wp-content\/uploads\/2026\/08\/Cash-Enhanced-Investment-Strategy-Article-Visual-Square-2.png\",\"articleSection\":[\"Product Updates\"],\"inLanguage\":\"en-US\",\"copyrightYear\":\"2026\",\"copyrightHolder\":{\"@id\":\"https:\/\/www.syfe.com\/magazine\/#organization\"}},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.syfe.com\/magazine\/cash-plus-enhanced-investment-strategy\/\",\"url\":\"https:\/\/www.syfe.com\/magazine\/cash-plus-enhanced-investment-strategy\/\",\"name\":\"Introducing Syfe Cash+ Enhanced: A Home for Your \u201cSoon\u201d Money - Connect\",\"isPartOf\":{\"@id\":\"https:\/\/www.syfe.com\/magazine\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.syfe.com\/magazine\/cash-plus-enhanced-investment-strategy\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.syfe.com\/magazine\/cash-plus-enhanced-investment-strategy\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.syfe.com\/magazine\/wp-content\/uploads\/2026\/08\/Cash-Enhanced-Investment-Strategy-Article-Visual-Square-2.png\",\"datePublished\":\"2026-08-13T04:25:25+00:00\",\"dateModified\":\"2026-08-13T05:14:59+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/www.syfe.com\/magazine\/cash-plus-enhanced-investment-strategy\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.syfe.com\/magazine\/cash-plus-enhanced-investment-strategy\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.syfe.com\/magazine\/cash-plus-enhanced-investment-strategy\/#primaryimage\",\"url\":\"https:\/\/www.syfe.com\/magazine\/wp-content\/uploads\/2026\/08\/Cash-Enhanced-Investment-Strategy-Article-Visual-Square-2.png\",\"contentUrl\":\"https:\/\/www.syfe.com\/magazine\/wp-content\/uploads\/2026\/08\/Cash-Enhanced-Investment-Strategy-Article-Visual-Square-2.png\",\"width\":1080,\"height\":1080,\"caption\":\"Cash+ Enhanced Syfe\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.syfe.com\/magazine\/cash-plus-enhanced-investment-strategy\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.syfe.com\/magazine\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Introducing Syfe Cash+ Enhanced: A Home for Your \u201cSoon\u201d Money\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.syfe.com\/magazine\/#website\",\"url\":\"https:\/\/www.syfe.com\/magazine\/\",\"name\":\"Connect\",\"description\":\"Helping you take charge of your financial future\",\"publisher\":{\"@id\":\"https:\/\/www.syfe.com\/magazine\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.syfe.com\/magazine\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.syfe.com\/magazine\/#organization\",\"name\":\"Syfe Pte Ltd\",\"url\":\"https:\/\/www.syfe.com\/magazine\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.syfe.com\/magazine\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.syfe.com\/magazine\/wp-content\/uploads\/2019\/05\/logo_black.png\",\"contentUrl\":\"https:\/\/www.syfe.com\/magazine\/wp-content\/uploads\/2019\/05\/logo_black.png\",\"width\":550,\"height\":240,\"caption\":\"Syfe Pte Ltd\"},\"image\":{\"@id\":\"https:\/\/www.syfe.com\/magazine\/#\/schema\/logo\/image\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.syfe.com\/magazine\/#\/schema\/person\/b05bcc3af8f5d6850ea380998e3cf235\",\"name\":\"Noah Sin\",\"description\":\"Noah covers investment strategy and content at Syfe, formulating and articulating our thinking on global markets. He has a decade of experience in financial services across Hong Kong, Shanghai, and Singapore. Before joining Syfe, he was at Fidelity International, where he focused on house views and thought leadership. His career began in financial journalism, covering markets for Reuters news agency.\",\"sameAs\":[\"https:\/\/www.linkedin.com\/in\/noahsin\/\"],\"jobTitle\":\"Investment Strategist & Content Lead\",\"worksFor\":\"Syfe\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Introducing Syfe Cash+ Enhanced: A Home for Your \u201cSoon\u201d Money - Connect","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.syfe.com\/magazine\/cash-plus-enhanced-investment-strategy\/","og_locale":"en_US","og_type":"article","og_title":"Introducing Syfe Cash+ Enhanced: A Home for Your \u201cSoon\u201d Money","og_description":"We are excited to introduce Cash+ Enhanced, a cash management solution built on short-duration income instruments. With target returns of up to 3.0% p.a.","og_url":"https:\/\/www.syfe.com\/magazine\/cash-plus-enhanced-investment-strategy\/","og_site_name":"Connect","article_published_time":"2026-08-13T04:25:25+00:00","article_modified_time":"2026-08-13T05:14:59+00:00","og_image":[{"width":1080,"height":1080,"url":"https:\/\/www.syfe.com\/magazine\/wp-content\/uploads\/2026\/08\/Cash-Enhanced-Investment-Strategy-Article-Visual-Square-2.png","type":"image\/png"}],"author":"Noah Sin","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Noah Sin","Est. reading time":"8 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.syfe.com\/magazine\/cash-plus-enhanced-investment-strategy\/#article","isPartOf":{"@id":"https:\/\/www.syfe.com\/magazine\/cash-plus-enhanced-investment-strategy\/"},"author":{"name":"Noah Sin","@id":"https:\/\/www.syfe.com\/magazine\/#\/schema\/person\/b05bcc3af8f5d6850ea380998e3cf235"},"headline":"Introducing Syfe Cash+ Enhanced: A Home for Your \u201cSoon\u201d Money","datePublished":"2026-08-13T04:25:25+00:00","dateModified":"2026-08-13T05:14:59+00:00","mainEntityOfPage":{"@id":"https:\/\/www.syfe.com\/magazine\/cash-plus-enhanced-investment-strategy\/"},"wordCount":1506,"publisher":{"@id":"https:\/\/www.syfe.com\/magazine\/#organization"},"image":{"@id":"https:\/\/www.syfe.com\/magazine\/cash-plus-enhanced-investment-strategy\/#primaryimage"},"thumbnailUrl":"https:\/\/www.syfe.com\/magazine\/wp-content\/uploads\/2026\/08\/Cash-Enhanced-Investment-Strategy-Article-Visual-Square-2.png","articleSection":["Product Updates"],"inLanguage":"en-US","copyrightYear":"2026","copyrightHolder":{"@id":"https:\/\/www.syfe.com\/magazine\/#organization"}},{"@type":"WebPage","@id":"https:\/\/www.syfe.com\/magazine\/cash-plus-enhanced-investment-strategy\/","url":"https:\/\/www.syfe.com\/magazine\/cash-plus-enhanced-investment-strategy\/","name":"Introducing Syfe Cash+ Enhanced: A Home for Your \u201cSoon\u201d Money - Connect","isPartOf":{"@id":"https:\/\/www.syfe.com\/magazine\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.syfe.com\/magazine\/cash-plus-enhanced-investment-strategy\/#primaryimage"},"image":{"@id":"https:\/\/www.syfe.com\/magazine\/cash-plus-enhanced-investment-strategy\/#primaryimage"},"thumbnailUrl":"https:\/\/www.syfe.com\/magazine\/wp-content\/uploads\/2026\/08\/Cash-Enhanced-Investment-Strategy-Article-Visual-Square-2.png","datePublished":"2026-08-13T04:25:25+00:00","dateModified":"2026-08-13T05:14:59+00:00","breadcrumb":{"@id":"https:\/\/www.syfe.com\/magazine\/cash-plus-enhanced-investment-strategy\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.syfe.com\/magazine\/cash-plus-enhanced-investment-strategy\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.syfe.com\/magazine\/cash-plus-enhanced-investment-strategy\/#primaryimage","url":"https:\/\/www.syfe.com\/magazine\/wp-content\/uploads\/2026\/08\/Cash-Enhanced-Investment-Strategy-Article-Visual-Square-2.png","contentUrl":"https:\/\/www.syfe.com\/magazine\/wp-content\/uploads\/2026\/08\/Cash-Enhanced-Investment-Strategy-Article-Visual-Square-2.png","width":1080,"height":1080,"caption":"Cash+ Enhanced Syfe"},{"@type":"BreadcrumbList","@id":"https:\/\/www.syfe.com\/magazine\/cash-plus-enhanced-investment-strategy\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.syfe.com\/magazine\/"},{"@type":"ListItem","position":2,"name":"Introducing Syfe Cash+ Enhanced: A Home for Your \u201cSoon\u201d Money"}]},{"@type":"WebSite","@id":"https:\/\/www.syfe.com\/magazine\/#website","url":"https:\/\/www.syfe.com\/magazine\/","name":"Connect","description":"Helping you take charge of your financial future","publisher":{"@id":"https:\/\/www.syfe.com\/magazine\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.syfe.com\/magazine\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.syfe.com\/magazine\/#organization","name":"Syfe Pte Ltd","url":"https:\/\/www.syfe.com\/magazine\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.syfe.com\/magazine\/#\/schema\/logo\/image\/","url":"https:\/\/www.syfe.com\/magazine\/wp-content\/uploads\/2019\/05\/logo_black.png","contentUrl":"https:\/\/www.syfe.com\/magazine\/wp-content\/uploads\/2019\/05\/logo_black.png","width":550,"height":240,"caption":"Syfe Pte Ltd"},"image":{"@id":"https:\/\/www.syfe.com\/magazine\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/www.syfe.com\/magazine\/#\/schema\/person\/b05bcc3af8f5d6850ea380998e3cf235","name":"Noah Sin","description":"Noah covers investment strategy and content at Syfe, formulating and articulating our thinking on global markets. He has a decade of experience in financial services across Hong Kong, Shanghai, and Singapore. Before joining Syfe, he was at Fidelity International, where he focused on house views and thought leadership. His career began in financial journalism, covering markets for Reuters news agency.","sameAs":["https:\/\/www.linkedin.com\/in\/noahsin\/"],"jobTitle":"Investment Strategist & Content Lead","worksFor":"Syfe"}]}},"jetpack_featured_media_url":"https:\/\/www.syfe.com\/magazine\/wp-content\/uploads\/2026\/08\/Cash-Enhanced-Investment-Strategy-Article-Visual-Square-2.png","jetpack_sharing_enabled":true,"category":"Product Updates","authorName":"Noah Sin","thumbnail":"https:\/\/www.syfe.com\/magazine\/wp-content\/uploads\/2026\/08\/Cash-Enhanced-Investment-Strategy-Article-Visual-Square-2-150x150.png","featuredImage":"https:\/\/www.syfe.com\/magazine\/wp-content\/uploads\/2026\/08\/Cash-Enhanced-Investment-Strategy-Article-Visual-Square-2.png","_links":{"self":[{"href":"https:\/\/www.syfe.com\/magazine\/wp-json\/wp\/v2\/posts\/32460","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.syfe.com\/magazine\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.syfe.com\/magazine\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.syfe.com\/magazine\/wp-json\/wp\/v2\/users\/113"}],"replies":[{"embeddable":true,"href":"https:\/\/www.syfe.com\/magazine\/wp-json\/wp\/v2\/comments?post=32460"}],"version-history":[{"count":12,"href":"https:\/\/www.syfe.com\/magazine\/wp-json\/wp\/v2\/posts\/32460\/revisions"}],"predecessor-version":[{"id":33544,"href":"https:\/\/www.syfe.com\/magazine\/wp-json\/wp\/v2\/posts\/32460\/revisions\/33544"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.syfe.com\/magazine\/wp-json\/wp\/v2\/media\/33504"}],"wp:attachment":[{"href":"https:\/\/www.syfe.com\/magazine\/wp-json\/wp\/v2\/media?parent=32460"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.syfe.com\/magazine\/wp-json\/wp\/v2\/categories?post=32460"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.syfe.com\/magazine\/wp-json\/wp\/v2\/tags?post=32460"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}