Cash+ Guaranteed is a cash management solution available in SGD and USD, where your funds are invested in fixed deposits with banks regulated by the Monetary Authority of Singapore (MAS).

The displayed rate represents the guaranteed return you will receive at the end of the selected term, based on the portfolio’s base currency and subject to the underlying bank’s credit risk.

Available terms

• Cash+ Guaranteed (SGD): 1, 3, 6, or 12 months
• Cash+ Guaranteed (USD): 1 month

Please refer to the current rates available for each term here.

Currency and return structure

• For Cash+ Guaranteed (SGD), the return is guaranteed on your SGD investment amount.
• For Cash+ Guaranteed (USD), the return is guaranteed on your USD investment amount.
  • If you fund a USD-denominated portfolio in SGD, your funds will be automatically converted to USD, and the guaranteed return will apply to the converted USD amount.

Is Cash+ Guaranteed safe?

Yes, Cash+ Guaranteed is considered a very low-risk portfolio.

When you invest in Cash+ Guaranteed, your funds are placed into fixed deposits with banks regulated by MAS, offering stability and predictable returns.

For additional assurance, all Cash+ Guaranteed client funds are held in designated client money accounts with our partner banks. This means your funds remain safe even if Syfe ceases operations, as Syfe does not commingle, hold, or have access to client monies. You can learn more about how Syfe safeguards client assets here.

While Cash+ Guaranteed is not SDIC-insured, the likelihood of a partner bank defaulting is considered very low. As with all investments, some level of risk remains, but this product is designed to offer stable, low-risk returns.