CASH MANAGEMENT

The smarter way to grow your cash

Whether you're looking for easy, no lock-in growth, predictable returns, or to maximise your long-term cash potential—simply pick the right solution for you.

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

01

StashAway Simple™


2.8% p.a.

Projected returns

Risk: Ultra-low 

Lock-in period

None

Liquidity
1 to 2 business days. 

Think of it as:

Your 'Alternative to Bank Savings', but aiming for up to 5X+* the interest, with great flexibility. Ideal for emergency funds. 

Learn more or sign up now 

 

Picked by

>50% clients

02

Simple Plus


3.5% p.a.

Yield-to-maturity, net 

Risk: Ultra-low 

Lock-in period

None

Liquidity
3 to 4 business days. 

Think of it as:

Your 'Goal Accelerator' to invest for over 12 months, targeting even higher returns than Simple, but with slightly higher risk.

Learn more or sign up now 

 

Top pick

Trending now

03

Simple Guaranteed


Up to 2.05% p.a.

Guaranteed returns

Risk: Minimal 

Lock-in period

Tenors of 1, 3, 6, or 12 months

Liquidity
Within 1 business day. 

Think of it as:

A 'Digital Alternative to Fixed Deposits'. Choose your tenor, lock it in, and get 100% guaranteed returns.

Learn more or sign up now 

 

Top pick of

2024

New Investor?

Get extra 0.2% p.a. return on your Simple Plus portfolio and 0.25% p.a. return on your Simple portfolio.

Sign up now and any deposit you make into your Simple and Simple Plus portfolio will earn an additional rate boost. 

There’s no cap on the deposit amount or number of deposits made; the more you put in, the higher your potential returns. 

  • Earn a 3.5% p.a. yield to maturity and an additional returns booster of 0.2%* p.a. with Simple Plus. 
  • Earn a projected rate of 2.8% p.a. plus the returns booster of 0.25%** p.a. with Simple.
  • No minimum balance. No cap on returns. 
*Earn 3.5% p.a. yield to maturity with Simple Plus, plus an additional 0.2% p.a. rate booster for 3 months from voucher activation. It is net of fees, is correct as of 4 April 2025 and may change depending on market conditions. Yield to maturity is a simplified projection and not a guarantee for future returns. Ts&Cs apply.
**Earn a projected 2.8% p.a. with Simple, plus an additional 0.25% p.a. rate booster that includes 0.1% p.a. expiring on 30 September 2025 and 0.15% p.a. expiring 6 months from voucher activation. The projected rate is not guaranteed and is 2.8% p.a. as of 9 May 2025. Ts&Cs apply.

Simply the better place for your cash

Flexible or fixed? You choose.

Only Simple Guaranteed comes with a fixed term. Simple and Simple Plus remain fully liquid.

  • Withdraw anytime.
  • No penalties or exit fees. 

No hoops or hidden fees.

No add-on investment, insurance, or salary tier requirements. What you see is what you get, no surprise costs or conditional rates. 

No minimums, no maximums

Whether it's $100 SGD or $100,000 SGD. Earn the same great rate.

You receive 100% of the rebates.

We don't keep fund trailer fees, what's yours stays yours.

How volatile is Simple?

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, only subject to underlying bank risk.

Other options: fixed deposits

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 of higher returns than Simple.

Other options: short-term bond funds

Income Investing

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

Other options: bonds, fixed income funds. 

General Investing

Includes exposure to equities, exposing it to higher market volatility.

Other options: flexible portfolios, equity ETFs

Start saving with just a few clicks

01
Step 1: Create your account
Simply sign up with Singpass or your email address
02
Step 2: Choose your Simple
Select which Simple portfolio best suits your needs
03
Step 3: Fund your investment
You can fund your portfolio via transfer from a bank account, SRS funds, or another StashAway portfolio
04
Step 4: Monitor your portfolio
Keep an eye on your savings anytime, anywhere, in the app

Which Simple is right for me?

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

Simple Guaranteed

Earns a guaranteed rate on any amount with a fixed-term of 1, 3, 6, or 12 months.

Pricing

Simple Guaranteed

Simple

Simple Plus

Rate before fees
2.05 – 2.05 p.a.
3.1% p.a.
3.83%
Net fee charged by underlying fund managers, including quarterly rebates*
None
0.15% p.a.
0.19% p.a.
StashAway management fee
None
0.15% p.a.
0.2% p.a.
Rate after all the fees
A guaranteed rate of 2.05 – 2.05 p.a.
Projected rate of 2.8% p.a.
Yield to maturity, net of 3.5% p.a.

*You get 100% of the fund manager rebates we receive for Simple and Simple Plus.

Two ways to invest

Cash

Ensure your cash is working harder for you. Set up in just a few minutes and start earning returns, without jumping through any hoops. 

SRS

Save on taxes and maximise your retirement savings when you grow your Supplementary Retirement Scheme (SRS) funds through any Simple. 

Put your cash to work

Onboarding is available with

By creating an account, you agree to the Platform Agreement

Download our mobile app

Put your cash to work
Put your cash to work

Don't just take our word, hear from others

Loving StashAway. I use Simple to flow funds in and then dollar cost average into the long term portfolio. The customer service has been very quick and exceptional! Highly recommend👍🏻
Neha
From Google Play Store
Invested in Simple for more than 1 year and enjoying the returns that are better than a regular current savings account. Minimal risk exposure and ease of mind. Importantly the portfolio is simple!
Kathy
Banker
I’ve been investing since February 2021 and it’s been a useful way to keep my backup funds.
Ken
Manager at Pharma company
Stable returns, an automated flow that makes regular deposits easy. It saves me time.
Evon
Creative Designer
Easy to use, suitable for periodic DCA. It allows one to customize based on investment themes. I personally think the money market product (Simple) is a good parking facility for idle cash.
John
From Google Play Store
Easy to use. Like StashAway Simple, interest rate better than Fixed Deposits
KengHee
From Google Play Store
Stashaway Simple has really been a good investment for me as a starter. Although the returns are not really ideal for those who seeks for higher profits, but I feel happy seeing the numbers growing bit by bit.
Beatrina
From Google Play Store
I’m using Simple for 4 months. It’s very convenient, has good returns and the app makes my life easy!
Dee
Customer service survey

More about growing your cash

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

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.

There is no minimum lock-up period. You can withdraw from StashAway Simple ™ at any time.

View more about Simple