Cash+ Enhanced is a low-risk managed portfolio invested in short-duration SGD bond funds. It's built for money you won't need for at least a year, and aims to earn more than typical Singapore money market rates and Cash+ Flexi.
As it targets a higher yield, your money can move up or down slightly in value, both when you invest and while you stay invested.
What are the underlying funds in Cash+ Enhanced?
Cash+ Enhanced invests in short-duration SGD bond funds, which hold short-term deposits, money market instruments, and mostly investment-grade short-term debt securities. Together, the funds have a blended average duration of about two years and credit ratings ranging from BBB to A.
| Fund | Allocation |
| LionGlobal short duration | 35% |
| Amova short term | 35% |
| Fullerton short term interest rate | 30% |
What returns can I expect from Cash+ Enhanced?
Cash+ Enhanced has a net projected yield of 3.0%, based on current market rates and the underlying funds' credit quality and duration (about 2 years).
This isn't guaranteed - yields move with market conditions, and your actual return may be higher or lower.
What is Yield to Maturity (YTM)?
Yield to Maturity is the return a bond is expected to earn if held until it matures, including both the interest payments and any difference between what you paid for the bond and its value at maturity.
It's expressed as a yearly percentage, and we always show the date the calculation is based on.
We recommend staying invested for at least 12 months, so more of the underlying bonds have time to mature and the fund can capture more of that yield.
