Cash+ Flexi USD is a discretionary cash management portfolio designed as a low-risk alternative to traditional savings or fixed deposits. It aims to deliver stable, short-term returns with no lock-up period and full withdrawal flexibility. Please note that Cash+ Flexi USD is not capital guaranteed.

How your funds are invested

When you invest in Cash+ Flexi USD, Syfe allocates your funds into a diversified mix of money market and enhanced liquidity funds managed by JPMorgan Liquidity Funds and BNP Paribas Insticash USD:

• Enhanced Liquidity Funds invest across multiple debt instruments with a weighted average credit rating of A- and an average maturity of around 12 months, denominated in USD.
• Money Market Funds invest in high-quality, short-term debt such as government and corporate bonds, and institutional deposits.

This diversified structure helps the portfolio deliver steady, predictable returns while maintaining very low risk.

Key Features

• No maximum investment limit and no lock-up period.

• Cash+ Flexi USD requires a minimum investment of USD 10,000 (or SGD equivalent).

  Learn why we recommend this amount here.

How do I receive my returns?

Once invested, your Cash+ Flexi USD portfolio value is updated daily based on the updated market prices of the underlying securities. Any returns earned are automatically reflected in your portfolio value. Unlike bank deposits, where interest is typically paid monthly, returns from Cash+ Flexi accrue daily. You can refer to our portfolio update schedule here.

When you submit a withdrawal request, Syfe will sell your holdings at the prevailing market prices within 1-2 business days, and you may withdraw the full amount, including all returns earned. If you choose to stay invested, your returns continue to compound, helping your cash grow over time.