Earn a projected 3.0% + 0.25%* p.a. with Simple
Earn on any amount. No minimum, no maximum, no rules. Just a Simple way to grow your cash.
First time investor? Enjoy additional 0.25%* p.a. return on StashAway Simple™ for 6 months.
Create account now
We’re licensed by the Monetary Authority of Singapore (Licence no. CMS100604).
*Earn a projected 3.0% 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 3.0% p.a. as of 25 April 2025. Ts&Cs apply.
*New Investor? Get extra 0.25%* p.a. return on your Simple portfolio
Sign up now and any deposit you make into your Simple portfolio will earn an additional 0.25%* p.a. rate boost for 6 months.
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 3.0% p.a. plus the returns booster of 0.25%* p.a.
- No lock-ins of your funds
- You don’t have to maintain a minimum balance to earn the rate, and there’s no cap on the amount that can earn it
It's Simpler to grow your cash than you think.
Tired of navigating through the endless lists of criteria to earn a rate at a bank? We understand. That’s why we created Simple! To make the investing experience straightforward, and, well, Simple.
Simple in a nutshell
- No minimum balance
- No cap on the balance that can earn returns
- No investment, insurance, or salary requirements
- No restrictions on withdrawals or transfers
- Set up in seconds! No paperwork
How you can use Simple
- Invest your emergency funds
- Prepare for upcoming expenses (your next holiday, wedding, and more)
- Set aside for investments
Simple
Projected rate
3.0% p.a. (net of fees)
Understand how the projected rate and returns correlate here.
Management fee
0.15% p.a.
Risk
Ultra-low
Underlying funds
- 30% LionGlobal SGD Money Market Fund
- 70% LionGlobal SGD Enhanced Liquidity Fund
Markets can be volatile. Simple isn’t.
Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 |
|---|---|---|---|
3.72% | 3.73% | 3.23% | 3.05% |
Past performance is not indicative of future performance. Performance figures are net of fees. Last updated as of 31 March 2025.
What is Simple's volatility?
Here's how Simple compares to some other alternatives in terms of volatility.
Simple Guaranteed
No market volatility, however, is subject to underlying bank risk.
Other options: fixed deposit, Singapore Savings Bonds.
Simple
Carries minimal market volatility, but the projected rate can be influenced by interest rate movements.
Other options: cash funds, T-bills.
Simple Plus
Can experience short-term volatility in pursuit for higher returns than Simple.
Other options: short-term bond funds.
Bonds ETFs
Can experience volatility due to interest rate changes and default risk. Longer duration bonds are more sensitive to interest rate movements, while those with lower credit ratings are more susceptible to default risks.
Other options: bond funds.
Equity ETFs
Can experience volatility due to factors such as outlook on growth, interest rates, and market sentiment
Other options: equity funds.
Pricing
Simple | |
|---|---|
Projected rate before fees | 3.3% p.a. |
Net fee charged by underlying fund managers, including quarterly rebates* | 0.14% p.a. |
StashAway management fee | 0.15% p.a. |
Projected rate after all fees | 3.0% p.a. |
*We return to you 100% of the rebates that we receive from the fund managers for Simple.
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Explore a few other ways to grow your cash.
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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.
How is StashAway Simple™ different from a fixed deposit account or savings account?
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.
Will the returns of Simple always match the projected rate?
While we do our best to ensure the closest possible match between the projected rate and actual returns, there may be variations between the two. The projected rate of a money market fund is an estimation based on the current investments, interest rates, and expenses of the fund. It is usually expressed as a 7-day annualised yield, which represents the income generated by the underlying funds over a 7-day period, annualised for a full year.
Here’s a few factors that can cause the actual returns to differ from the projected rate:
- Interest rate fluctuations. The yields on short-term securities, in which Simple’s funds are invested in, are sensitive to interest rate movements. If interest rates rise, the yield on the funds' investments will also eventually increase, positively affecting the actual return.
- Changes in the funds' investments. The fund manager may buy or sell securities in response to market conditions or investment strategy changes, which can impact the actual return. To provide the best possible projection of future returns, we regularly update the projected rate and maintain ongoing communication with our partner fund managers.