Earn 3.8% p.a. on any amount,
guaranteed
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.
We’re licensed by the Monetary Authority of Singapore (License no. CMS100604).
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.
Tenor | Guaranteed rate, p.a. |
|---|---|
1 month | 3.7% |
3 months | 3.8% |
6 months | 3.7% |
12 months | 3.5% |
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
About Simple Guaranteed
Guaranteed rate
Earn a guaranteed 3.8% 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
SGD
Underlying funds
Fixed deposit at MAS regulated banks.
Risk
Principal and interest amounts are guaranteed subject to underlying bank risk.
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:
A few easy steps to get you started
on guaranteed returns
Two ways to invest
Build your wealth today
Download our mobile app
Frequently Asked Questions
Can the guaranteed rate change?
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.
Can I top up or withdraw my money before the end of the lock-in period?
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.
Is there a minimum or a maximum investment amount?
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.
What’s the difference between Simple Guaranteed and a fixed deposit account?
There are a few key differences between a classic fixed deposit account at a bank and Simple Guaranteed.
How is it possible that Simple Guaranteed doesn’t have a fee?
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.
