StashAway Simple ™ Guaranteed

Earn 3.6% p.a. on any amount,

No minimums, no maximums, the rate you see is the rate you get. As simple as that with Simple Guaranteed.

Banking provider: Citibank N.A., Singapore Branch

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

Earn 3.6% p.a. on any amount,<br/>guaranteed

It's simpler than you think to grow your cash.

We’re all about simpler, smarter investing. No hoops to jump through, no complicated terms,
just simple investing with guaranteed returns.

Why choose Simple Guaranteed?

  • The rate you see is the rate you get!
  • No minimum or maximum amounts
  • No fees
  • No lengthy processes or paperwork
  • Manage your portfolio through the app
Why choose Simple Guaranteed?

About Simple Guaranteed

Guaranteed rate
3.6% p.a.

Management Fee
None, the rate you see is the rate you get

Lock-in period
6 months

Currency denomination

Underlying funds
Fixed deposit with Citibank N.A., Singapore Branch

Principal and interest amounts are guaranteed subject to underlying bank risk

About Simple Guaranteed

The portfolio we all need.
Because some things should be certain.

Some things in life you can always count on. Like the sunrise every morning, queues for
the best hawker food in town and now, Simple Guaranteed.

No matter the twists and turns of the market, you will continue to earn returns
based on the rate you locked in. With Simple Guaranteed, you know what to expect.
Now, you can plan ahead with confidence for:

Economic ups and downs
Your year-end holiday
Big ticket purchases
Supplementing your growing budget
Job uncertainties

A few easy steps to get you started
on guaranteed returns

Create a Simple Guaranteed portfolio in the StashAway App.
Transfer your funds into the Simple Guaranteed portfolio.
Check the prevailing rate and lock in the rate when you are ready. Your funds will now begin earning returns for a period of 6 months. Rates are reviewed daily and updated if there’s a change.
Collect your initial contribution and guaranteed returns after 6 months.

Two ways to invest


Ensure your cash is working harder for you! No need to jump through any complex hoops, set up in a few minutes and start earning the guaranteed rate. 


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

It’s that Simple to earn Guaranteed returns.

This video is only for illustrative purposes. Make sure to check your StashAway app for the latest rate.

Build your wealth today

Onboarding is available with

By creating an account, you agree to the Platform Agreement

Download our mobile app

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Frequently Asked Questions

No. Once you lock in your guaranteed rate, it’ll remain fixed throughout the 6-month lock-in period. But until then, the portfolio’s rate can change daily.

You won’t be able to top up or withdraw from a locked Simple Guaranteed portfolio for 6 months. Therefore, whatever amount you invest will remain fixed during the lock-in period.

Alternatively, you can always create an additional Simple Guaranteed portfolio and have multiple portfolios earning returns at the same time. At the end of the lock-in period, you’ll be able to top up or reduce your investment amount and create another Simple Guaranteed portfolio with a 6-month lock-in.

No, you can transfer any amount starting from as low as $1. Whatever amount you choose, just make sure that you won’t need it for the next 6 months.

There are a few key differences between a classic fixed deposit account at a bank and Simple Guaranteed.

We take a small spread, which is the difference between the yield that we get from the bank and the one we deliver to you. This spread isn’t an additional fee to you, and you’ll still get the guaranteed rate. In other words, the rate you see is the rate you get. This spread helps us stabilise the rate, which fluctuates, and cover the costs of bringing the product to you.  

View more FAQs

Make money decisions with confidence

Learn more about Simple Guaranteed