![](https://cdn.prod.website-files.com/64d3542964db4e6ae6de7d1d/652dd5efa825c4779c5d706e_Syfe%20for%20business-dweb.webp)
![](https://cdn.prod.website-files.com/64d3542964db4e6ae6de7d1d/652dd5efe29d60b8f421089a_Syfe%20for%20business-mweb.webp)
![](https://cdn.prod.website-files.com/64d3542964db4e6ae6de7d1d/652dd5f031e9a3cbca34a48b_Syfe%20for%20business-large.webp)
Syfe for MCSTS
![](https://cdn.prod.website-files.com/64d3542964db4e6ae6de7d1d/652dd5efa825c4779c5d706e_Syfe%20for%20business-dweb.webp)
![](https://cdn.prod.website-files.com/64d3542964db4e6ae6de7d1d/652dd5efe29d60b8f421089a_Syfe%20for%20business-mweb.webp)
![](https://cdn.prod.website-files.com/64d3542964db4e6ae6de7d1d/652dd5f031e9a3cbca34a48b_Syfe%20for%20business-large.webp)
Grow your MCST’s sinking fund with the best fixed deposit rates in the market.
No fuss, no frills. Enjoy easy, convenient account opening specially designed for MCSTs.
We offer the flexibility to auto-reinvest so your money is always earning a return.
Get audit confirmation statements every year free of charge.
Multi-terms, better flexibility
Choose rates and terms based on your liquidity needs.
The Syfe advantage
02
get onboarded
Get onboarded with the help of our Wealth Advisors. A unique account will be created for your MCST.
03
fund and invest
Simply fund your account and start investing upon confirmation. Syfe will manage the investment on your behalf.
Any additional By-Laws passed*
- Phrase such as “Certified True Copy” or “Original Sighted”
- Full name
- Position
- Professional registration number (if any)
- Date
- Signature
![](https://cdn.prod.website-files.com/64d3542964db4e6ae6de7d1d/652730e1bcd2ae6c9cb8bf1a_syfe-for-business-advisors-desktop.webp)
![](https://cdn.prod.website-files.com/64d3542964db4e6ae6de7d1d/652fa1e6355b22cce2cc5368_Group%201430069399.webp)
From one business to another
Whether you’re an MCST, SME or a new start-up, we understand your corporate needs and offer tailored solutions for your business to thrive.
Why invest with Syfe?
BANK Fixed Deposits
Syfe CASH+ GUARANTEED
Average yield/Projected return p.a.
Yield
Yield refers to the amortised yield in case of Cash+ SGD as provided by the constituent fund manager and it refers to the estimated yield to maturity (YTM) for Cash+ USD and Income+ portfolios. YTM of a bond is the total return that an investor stands to receive if all scheduled payments are made on time and the bond is held until maturity. YTM of the portfolio is the weighted average of the YTM of the bonds held in the constituent funds in the portfolio. YTM is reported gross of fees, the deduction of which will reduce the yield. It does not represent the portfolio's return.
Learn more
Source: Syfe. As of 30th Apr 2023
![](https://cdn.prod.website-files.com/64d3542964db4e6ae6de7d1d/65004b7d76bedb421a6c1ec1_Polygon%2041.webp)
Investments focused on equity markets that seek to provide high level of capital appreciation over time.
![](https://cdn.prod.website-files.com/64d3542964db4e6ae6de7d1d/65004b7d76bedb421a6c1ec1_Polygon%2041.webp)
Up to 3.2% (SGD)
3.1%–3.4% p.a.
Account opening process
Visit branch and submit paper forms
Sign up online, quickly and simply
Interest rate lock-in
Locked in
Yes, for Cash+ Guaranteed
Payout frequency
End of term
End of term
Onboarding time
1-3 months
Within 5 business days
![](https://cdn.prod.website-files.com/64d3542964db4e6ae6de7d1d/6537c60f6d80007aba89adfb_wealth-advisor-bg-dweb.webp)
![](https://cdn.prod.website-files.com/64d3542964db4e6ae6de7d1d/6537c60f4f474d93cd10af31_wealth-advisor-bg-mweb.webp)
We’re here to help
Reach out to the humans behind our tech. Our wealth advisors will guide you through all our products and services.
SCHEDULE CALLFAQs
How does Cash+ Guaranteed work?
Here's a summary of how it works:
1. Create a Cash+ Guaranteed portfolio by choosing the term of your choice (from 3, 6 and 12 months) on the website or Syfe App.
2. Add funds into your portfolio.
3. Once we process your funds into the portfolio, the portfolio will be automatically locked and queued for investment.
4. Your funds will be invested within one business day.
5. Over the term you have chosen, you'll have the flexibility to decide whether you want to reinvest or not when the term concludes. If you opt not to reinvest, your funds will stay in the portfolio until you determine your next course of action, which may be reinvesting for another term at the prevailing rate, withdrawing, or reallocating your funds.
How does Syfe work with bank providers to secure optimized rates?
Syfe maintains partnerships with various banks regulated by MAS (Monetary Authority of Singapore) that offer fixed deposits. We regularly assess the rates from these providers, along with market rates, to ensure that Cash+ Guaranteed rate remains competitive.
How are the returns guaranteed?
Returns are guaranteed as we invest your funds in fixed deposits with a partner bank for your chosen term. When the term ends, you will receive returns from the underlying fixed deposits at the guaranteed rate that you had secured at the beginning of the term. Once your investment begins, the guaranteed return and rate will not change during the entire duration of the investment.
Why doesn’t Cash+ Guaranteed charge users a fee?
From the rate we obtain from our partner bank, we take a slight margin before extending to you a rate that is still very attractive in the market. Once your investment begins, your Cash+ Guaranteed portfolio is assured to provide returns at the same rate. Our commitment is to deliver exceptional products, coupled with an unparalleled user experience, and this margin facilitates our ability to fulfill that commitment.
Can I top-up or withdraw my money before the end of the term?
After the Guaranteed portfolio is funded and invested, you will not have the option to make withdrawals until the fixed term ends. As we invest your funds into corresponding tenured fixed deposits with the preferred rates we obtain from banks, we are enabled to maximize the returns on your
investment.
Subsequent top-ups made on or after 16th November to a portfolio that is already locked and invested will be placed by us into a new Guaranteed portfolio and automatically invested. By doing so, you create a “ladder” of maturity dates for your multiple Guaranteed portfolios, giving you the flexibility to access funds and take advantage of fluctuating interest rates.