Get the most out of your cash

3 simple ways to grow your cash.

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We’re licensed by the Monetary Authority of Singapore (License no. CMS100604).

Get the most out of your cash

Three ways to grow your cash

Simple

Projected rate

3.6% p.a. 

Management fee
0.15% p.a. 

Risk
Ultra-low
Understand how the projected rate and returns correlate here.

Underlying funds

  • 30% LionGlobal SGD Money Market Fund
  • 70% LionGlobal SGD Enhanced Liquidity Fund

Lock-in period

None.

Currency demonination

SGD.

Simple Guaranteed

Guaranteed rate
3.6% p.a. 

Management fee
None, the rate you see is the rate you get.

Risk
Principal and interest amounts are guaranteed subject to underlying bank risk.

Underlying funds

Fixed deposit at Citibank.

Lock-in period

6 months.

Currency demonination

SGD.

Simple Plus

Yield to maturity  


4.9%

Management fee
0.2% p.a. 

Risk
Ultra-low risk, but slightly higher than Simple.
Understand the risks here.

Underlying funds

  • 20% LionGlobal SGD Enhanced Liquidity Fund
  • 35% Nikko AM Shenton Short Term Bond Fund
  • 45% LionGlobal Short Duration Bond Fund

Lock-in period

None, but we do not recommend less than 12 months.

Currency demonination

SGD.

How to choose between all three?

While you may be tempted to go with the highest rate, remember: optimal cash management accounts for trade-offs between liquidity, risk and returns. So which one(s) are the most important for you?

Simple Guaranteed

Earns you guaranteed returns on any amount. However, earning a guaranteed rate comes at a price of locking your funds in for 6 months.

How volatile these portfolios are?

Here's how Simple, Simple Plus and Simple Guaranteed compare to each other and some other alternatives in terms of volatility. 

Simple Guaranteed

Earns a guaranteed rate with no market volatility, however is subject to underlying bank risk. 

Other options: fixed deposit.

Simple™

Doesn't carry any market volatility, but the projected rate is influenced by interest rate movements.

Other options: cash funds, T-bills, Singapore Savings Bonds.

Simple Plus

Can experience short-term volatility in pursuit for higher returns than Simple.

Other options: short-term bond funds.

Bonds

Offer stable income but can be influenced by changing interest rates and market sentiment, leading to some volatility.

Other options: Flexible Portfolios.

Equity ETFs

Track stock market indexes, exposing them to the higher market volatility.

Other options: Flexible Portfolios, General Investing.

Pricing

Simple
Simple Plus
Simple Guaranteed
Rate before fees
3.9% p.a.
5.1
3.6% p.a.
Net fee charged by underlying fund managers, including quarterly rebates*
0.19% p.a.
0.19% p.a.
None
StashAway management fee
0.15% p.a.
0.2% p.a.
None
Rate after all the fees
Projected rate of 3.6% p.a.
Yield to maturity of 4.9%
A guaranteed rate of 3.6% p.a

*We return to you 100% of the rebates that we receive from the fund managers for Simple and Simple Plus

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More about growing your cash

Here are some things to think about when deciding what to do with your cash

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Frequently Asked Questions

First, with the enhanced liquidity fund, we are using an institutional share class that has lower total expense ratio (annual fee charged by the ELF's fund manager) than the retail share class available on FSM or anywhere else. So, we give you access to the ELF at a lower cost.

Second, we return all rebates from the enhanced liquidity fund and money market fund back to you. Most other platforms and fund managers don't do this.

Nope! You can have just a StashAway Simple™ portfolio, if that's what works best for your financial plan.

Unlike fixed deposit accounts that require a minimum lock-up period, you can withdraw from StashAway Simple™ at any time. And unlike traditional savings accounts, StashAway Simple™ doesn't have any tiered earnings structures or account activity requirements. Also, StashAway Simple™'s rate can vary, depending on the economic environment. In addition, your Simple portfolio is made up of ultra-low risk assets, but is not insured.

View more about StashAway Simple™