StashAway Simple ™ Guaranteed

Earn 3.7% 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.

We only partner with MAS-regulated banks.

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

Earn 3.7% p.a. on any amount,<br/>guaranteed
Earn 3.7% p.a. on any amount,<br/>guaranteed

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

We’re all about simpler, smarter investing that gives you guaranteed returns!
Plus there’s no limit on the amount that can earn returns. 

Tenors and rates are refreshed between Mondays and Fridays. 



Guaranteed rate, p.a.

1 month
3 months
6 months
12 months

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
Earn a guaranteed 3.7% p.a. with a choice of tenors.

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

Lock-in period
1, 3, 6, or 12 months.

Currency denomination

Underlying funds
Fixed deposit at MAS regulated banks.

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.
Pick your tenor, lock in the rate when you are ready. Your funds will now begin earning returns for your selected tenor. Rates are reviewed daily and updated if there’s a change.
Collect your initial contribution and guaranteed return after your selected tenor period.

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.

Build your wealth today

Onboarding is available with

By creating an account, you agree to the Platform Agreement

Download our mobile app

Build your wealth today
Build your wealth today

Frequently Asked Questions

No. Once you lock in your guaranteed rate, it’ll remain fixed throughout the 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 the/during the lock-in period (which is 1/3/6/12 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.

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 during the lock-in period.

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.  

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