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.
StashAway Simple™
2.85%* p.a.
Risk: Ultra-low
Lock-in period
Liquidity
1 to 2 business days.
Think of it as:
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Picked by
>50% clients
Simple Plus
3.3%** p.a.
Risk: Ultra-low
Lock-in period
Liquidity
3 to 4 business days.
Think of it as:
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Top pick
Trending now
Simple Guaranteed
Up to 1.75% p.a.
Risk: Minimal
Lock-in period
Liquidity
Within 1 business day.
Think of it as:
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Top pick of
2024
New Investor?
Get extra 0.25% p.a. return on your Simple portfolio and 0.2% p.a. return on your Simple Plus 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 projected rate of 2.6% p.a. plus the returns booster of 0.25%* p.a. with Simple.
- Earn a 3.1%** p.a. yield to maturity and an additional returns booster of 0.2% p.a. with Simple Plus.
- No minimum balance. No cap on returns.
*Earn a projected 2.6% 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 2.6% p.a. as of 30 May 2025. Ts&Cs apply.
**Earn 3.1% p.a. yield to maturity with Simple Plus, plus an additional 0.2% p.a. rate booster for 6 months from voucher activation. It is net of fees, is correct as of 6 June 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.
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
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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?
Pricing
Simple Guaranteed | Simple | Simple Plus | |
|---|---|---|---|
Rate before fees | 1.6 – 1.75 p.a. | 2.9% p.a. | 3.51% |
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 1.6 – 1.75 p.a. | Projected rate of 2.6% p.a. | Yield to maturity, net of 3.1% p.a. |
*You get 100% of the fund manager rebates we receive for Simple and Simple Plus.
Put your cash to work
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Don't just take our word, hear from others
More about growing your cash
Here are some things to think about when deciding what to do with your cash
Frequently Asked Questions
Why shouldn't I invest in these funds myself instead of having StashAway invest on my behalf?
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.
Do I need to invest with StashAway to have StashAway Simple™?
Nope! You can have just a StashAway Simple™ portfolio, if that's what works best for your financial plan.
How is StashAway Simple different from a fixed deposit account?
There is no minimum lock-up period. You can withdraw from StashAway Simple ™ at any time.