Cash Management

Supercharge your savings

Put every dollar to work. Discover low-risk, short-term portfolios designed to help you maximise returns with maximum flexibility.

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competitive rates

Enjoy better returns than traditional
savings accounts.

maximise every dollar

Invest however much you like. No minimum or maximum sums. No hoops to jump through.

designed for liquidity

Enjoy short to no lock-in periods—your spare cash is always within easy reach.

Portfolios at a glance

Earn steady returns on your idle cash.

Cash+ Flexi USD

popular

Very LOW RISK

Stable returns with no lock-in.
Maximise dollar return with daily accruals.

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Yield

% p.a.

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Cash+ Fixed HKD

NEW

Very Low RISK

Fixed returns with short
1, 3, and 6-month terms.

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Fixed returns

4.2

% p.a.

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Syfe’s Cash Management Suite

How are Syfe’s cash management solutions different?

CASH+ FLexi (USD)

Cash+ Fixed HKD

Time Deposit Account

Underlying

Money market funds

Bank time deposit

currency

USD

HKD

Return rate

% p.a.* 

(varies with Fed rate)

4.2

% p.a.

(fixed rate)

2.4%-3.5% p.a. **

(fixed rate)

term

None

1, 3, 6 months

3–12 months

Withdrawal

Any time, no penalty

End of term, no early withdrawal allowed

End of term or will incur penalty

Capital fluctuation

Yes

No
(subject to underlying bank risk)

No 
(subject to underlying bank risk)

DPS protected

Yes

Syfe’s cash management solutions are investment management services, and should not be taken as collective investment schemes, deposits or savings accounts.
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*Net of fund-level fee and trailer fee rebate (if any). The yield presented here is estimated based on the weighted average of the Yield to Maturity of assets within Cash+ Flexi USD discretionary service. The latest yield, provided by asset managers, is as of 30th Sep 2024 14:30 HKT, and is subject to change based on market conditions such as interest rate changes. Yield is not a guarantee of future performance. A positive yield does not imply a positive return. Investments involve risks and Cash+ Flexi USD does not provide any guarantee or assurance of returns.
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**Time deposit account benchmarks are taken from 3, 6 and 12-month term rates offered by the top 5 Hong Kong banks (in terms of total assets), as of 3 October 2024.