Get the most out of your cash
Earn a projected 3.5% p.a. with Simple and 4.6–5% p.a. with Simple Plus.
We’re licensed by the Monetary Authority of Singapore (License no. CMS100604).
Get the most out of your cash
Earn a projected 3.5% p.a. with Simple and 4.6–5% p.a. with Simple Plus.
Two ways to grow your cash
StashAway Simple™
3.5% p.a.
projected rate
Management fee
Free
(0.15% p.a. from 1 July 2023)
Risk
Ultra-low
Underlying funds
- 30% LionGlobal SGD Money Market Fund
- 70% LionGlobal SGD Enhanced Liquidity Fund
StashAway Simple™ Plus
4.6–5% p.a.
projected rate
Management fee
Free
(0.2% p.a. from 1 July 2023)
Risk
Slightly higher
Understand the minimal risks here
Underlying funds
- 20% LionGlobal SGD Enhanced Liquidity Fund
- 35% Nikko AM Shenton Short Term Bond Fund
- 45% LionGlobal Short Duration Bond Fund
So which one is better for you?
It depends on your personal needs and risk appetite. While Simple Plus offers higher rate than Simple, they do have underlying differences in risk, holding period, and more.
Note that the pricing information in the video has changed, find the latest pricing information on this page below.
Read more about how to choose here.
Grow your cash with no rules
- No minimum balance
- No cap on the balance that can earn returns
- No investment, insurance, or salary requirements
- No restrictions on withdrawals or transfers
How you can use Simple and Simple Plus
- Store your emergency fund
- Prepare for upcoming expenses (your next holiday, wedding and more)
- Set aside for investments
Pricing
Portfolio name | Simple | Simple Plus |
|---|---|---|
Projected rate before fees | 3.65% p.a. | 4.8-5.2% p.a. |
Net fee charged by underlying fund managers, including quarterly rebates* | 0.15% p.a. | 0.19% p.a. |
StashAway management fee | Free (0.15% p.a. from 1 July 2023) | Free (0.2% p.a. from 1 July 2023) |
Projected rate after all the fees | 3.5% p.a. | 4.6–5% p.a. |
*We return to you 100% of the rebates that we receive from the fund managers for both Simple and Simple Plus
Make money decisions with confidence
Here are some things to think about when deciding what to do with 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.
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 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.