Supercharge your SRS funds with our lowest-risk portfolio, and bank-beating rates of
3.5
% p.a.
sign up with
Unlimited next-day withdrawals to your SRS bank account, with no minimum investment required.
Multiply your returns by over 70x, smashing interest rates of 0.05% in traditional SRS bank accounts.
Generate consistent and steady returns with a peace of mind with our very low risk portfolio.
Stay invested and supercharge your SRS funds by 70x compared to rates of 0.05% in traditional bank accounts.
Preservation / relative safety of invested capital with returns in line with short-term money market rates.
Preservation / relative safety of invested capital with returns in line with short-term money market rates.
Your money is invested in low-risk, high-liquidity funds, with the objective of achieving steady returns in line with or above money market rates.
LionGlobal SGD Money Market Fund
30%
LionGlobal SGD Enhanced Liquidity Fund SGD Class I (Accumulation)
70%
Last update: 31 May 2023 14:30 SGT
Learn how Cash+ Flexi stacks against other cash management solutions.
Yield / Interest (%)
3.5% - 3.6%*
Term
None
Withdrawal
Risk
Very Low
0.05%
2.90%
3.70%
None
6 months
6 - 12 months
Liquid
Early withdrawal
penalties apply
No early redemption
Safe
Guaranteed
Guaranteed
Maximise your SRS contributions and grow every dollar. Calculate how compound returns work over time even on your idle money.
100% REITs
To forecast future returns, we use sophisticated techniques such as the forward-looking Monte Carlo simulation to determine a realistic range of return for you.
You might see this return if the global financial environment is extremely positive. There is only a 5% likelihood your portfolio return will be at or above this number.
S$3,207,874
You might see this return if the global financial environment is extremely positive. There is only a 5% likelihood your portfolio return will be at or above this number.
S$3,207,874
You might see this return if the global financial environment is extremely positive. There is only a 5% likelihood your portfolio return will be at or above this number.
S$3,207,874
You might see this return if the global financial environment is extremely positive. There is only a 5% likelihood your portfolio return will be at or above this number.
S$3,207,874
Versus S$10,005 when left in a savings account
Versus US$10,005 when left in a savings account
Cash+ Flexi aims to deliver return in line with or above prevailing money market rates. Constructed with low-risk money market and enhanced liquidity funds which invest in short-term deposits, money market investments and high-quality debt instruments.
Investments focused on equity markets that seek to provide high levels of capital appreciation over time.
Investments focused on equity markets that seek to provide high levels of capital appreciation over time.
Returns
(last 8 years)
Portfolio Management
Passively managed with factor based enhancements
Fund Level Fees
0.20%*
10.80%
6.0-8.0%
Passive Index
Actively managed
Not possible to invest in the index
1.0-2.0%
*Syfe fee assuming black tier client. Active funds based equity portfolio returns range assumes lower returns due to higher fees and active management underperformance.
Past returns are shown for illustrative purposes only. They are calculated before fees and in USD terms unless otherwise specified. The past returns since inception (31 March 2020) are based on model portfolios returns which may not fully account for trading costs, tax implications and timing impacts. Past returns prior to portfolio inception date are based on our internal backtested data with information obtained from underlying fund managers. Past returns are not a guarantee for future performance.
Source: Syfe’s Research as of 31 August 2024
Investments that typically aim to provide a balance of income and capital appreciation.
Investments that typically aim to provide a balance of income and capital appreciation.
Yield to maturity (%)
-
%p.a.
6.1% p.a. (Average)
Dividend Taxes
Trailer Fee Rebate is a fee that a fund manager pays intermediaries. The rebate is usually applicable when the fund’s share class is retail. Currently, Syfe passes on to clients any trailer fee rebates it receives for any of the constituent funds of Income+ portfolios. Please refer to our Investment Strategy to see which funds are rebated.
Trailer Fee Rebate is a fee that a fund manager pays intermediaries. The rebate is usually applicable when the fund’s share class is retail. Currently, Syfe passes on to clients any trailer fee rebates it receives for any of the constituent funds of Income+ portfolios. Please refer to our Investment Strategy to see which funds are rebated.
Optimised to minimise
dividend
withholding taxes
Depends on fund domicile
FX Risk
SGD Hedged
Depends on fund denomination
Fund Level fees
0.65%*
(Institutional funds)
1.5%+
(Retail funds)
Management / Access fees
0.25% to 0.65%
0.3 - 1.0% (Access fees) +
3.0 - 5.0% (Sales charges)
Portfolio and fund management
The portfolio is managed and advised by Syfe informed by PIMCO's forward looking views. Funds composed in the portfolio are actively managed by PIMCO.
Fund is managed by a single fund manager with a set objective. Fund managers seek to outperform market or benchmark.
Preservation / relative safety of invested capital with returns in line with short-term money market rates.
Preservation / relative safety of invested capital with returns in line with short-term money market rates.
Yield / Interest (%)
3.75% - 3.85%*
Term
None
Withdrawal
Risk
Very Low
0.05%
2.90%
3.70%
None
6 months
6 - 12 months
Liquid
Early withdrawal penalties apply
No early redemption
Safe
Guaranteed
Guaranteed
*Projected yield as of 30 Apr 2024
Source: Treasury Bills Statistics (mas.gov.sg), DBS 6 month FD rate as of May 2024.
Cash+ is a low risk investment portfolio managed by Syfe. It is not a savings or deposit product at a bank. Investments involve risk and Cash+ does not provide any guarantee or assurance of returns.
Investing your SRS funds with Syfe is quick and easy. You may follow the below steps :
1. Open an SRS bank account with an SRS bank operator (DBS/POSB, OCBC, UOB). Once your SRS bank account is open, you may contribute into your DBS/POSB or OCBC or UOB account.
2. Once your above SRS bank account is ready, log into your Syfe app or website to select the portfolio you would like to invest in.
3. Provide your SRS bank details and deposit instructions (refer to this link to know how to find your SRS bank details). Your SRS bank details will be saved upon this step. In case you need to update your SRS bank account details or personal particulars such as changes to your NRIC/FIN, please reach out to [email protected].
4. Provide some additional personal details, employment & income details to continue onboarding to SRS portfolios.
5. Once the details are submitted, we will work on your instruction to debit funds from your SRS bank account. After debiting, we will invest your funds into your chosen portfolio. Please visit here to understand more about the various stages of investment.
Syfe offers various investment options that can help you achieve significantly higher returns compared to the 0.05% annual yield from keeping your SRS funds in your SRS bank account.
By investing in Cash+ Flexi SGD, Income+ Preserve, Income+ Enhance, or Core Equity100, your SRS funds have the potential to grow over 70 times more than if left uninvested in DBS/POSB, OCBC, or UOB accounts.
Syfe charges a management fee depending on your Syfe pricing tier. Kindly refer to this article to learn more.
Fees applicable
- Cash Management Portfolios, 0.05-0.15% per annum
- Managed Portfolios, 0.25-0.65% per annum
For SRS Portfolios, are there other fees apart from Syfe’s management fee?
No. We strive to ensure SRS investing stays accessible and affordable, in fact, by consolidating your SRS investments into Syfe, you will be able to enjoy greater benefits.
How are my fees debited for SRS portfolios?
It will be same as the cash funded portfolios, fees are accrued daily based on your portfolio value (Net Asset Value) and reported within the app in the “FEES PAID” feature that can be found under the portfolio details page. At the end of the month, fees will be deducted and this will be reflected in the “TRANSACTION” feature.
In your monthly statement, you will find fees disclosed at each portfolio in the first 2 pages, and total fees in last page.
When you withdraw funds from your Syfe SRS portfolios, the securities you hold must be sold before the cash can be transferred to your bank account.
- Withdrawals to SRS banks (DBS/POSB, OCBC, UOB)
Under ordinary circumstances, Syfe processes your instruction to sell within 1 - 2 business days. However the sale of the funds within the portfolio takes anywhere from 5 to 9 business days.Once the portfolio has been liquidated, depending on the bank’s processing timelines, you should receive your funds within the next 1-2 business days. As such, this typically means that most customers can expect to receive their withdrawn funds in 2 weeks.
- Cash+ Flexi SGD: 5-6 business days
- Core Equity100 and Income+: 6-9 business days
- Withdrawals to other bank accounts
Note that SRS funds can only be withdrawn to your SRS Bank account (DBS/POSB, OCBC, UOB). If you had changed your SRS bank account during the course of your investment with Syfe, please contact [email protected] for assistance to update your bank details.
cash+ flexi sgd
Invests in high quality short-term money market instruments and debt securities. Some of the investments may include government and corporate bonds, commercial bills and deposits with financial institutions.
-10.49%
Very high risk
china
health care
CHIQ
-10.49%
cash+ flexi usd
Invests in high quality short-term money market instruments and debt securities. Some of the investments may include government and corporate bonds, commercial bills and deposits with financial institutions.
-10.49%
Very high risk
china
health care
CHIQ
-10.49%
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