How it works

1. Create a Cash+ Guaranteed portfolio by selecting your preferred base currency.

2. Choose your term:

   • 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.

   If you choose to invest, your funds will be locked in for the selected duration until the end of the term.

3. Fund your portfolio.
   • For Cash+ Guaranteed (USD), SGD deposits are automatically converted into USD before investment.
4. Once your funds are processed, your portfolio will be locked and queued for investment.
5. Investment timeline
   • Funds received before 11 AM SGT on a business day are invested on the same day.
   • Funds received after 11 AM SGT are invested on the next business day.
   • Funds received on weekends or public holidays will be processed on the next business day.
6. At the end of your term, you may choose to reinvest or take action later. If you decide not to reinvest immediately, your funds will remain in the portfolio until you choose to:
   • reinvest at the prevailing rate,
   • withdraw, or
   • reallocate your funds.

Reinvestment options at maturity

At the end of your selected term, you will have the flexibility to decide whether to reinvest or not.

You may toggle your reinvestment preference anytime before the cut-off time on the day of maturity.

If you opt to keep your funds idle before the cut-off time, your funds will remain in the portfolio as SGD cash until you decide your next action (e.g., reinvest at the prevailing rate, withdraw, or reallocate).

Please note that Cash+ Guaranteed (USD) currently offers only a 1-month term.