Cash+ Flexi is a cash management discretionary portfolio that serves as an alternative to keeping cash in fixed deposits and savings accounts. It has two versions, Cash+ Flexi HKD and Cash+ Flexi USD, that aim to capture yields between 2.3% p.a. to 4.2% p.a., net of all fund expenses.

When you invest in Cash+ Flexi portfolios, Syfe diversifies your funds in a curated list of money market funds that aim to achieve stable, steady returns in line with HK and US money market rates. View the portfolio compositions here.

Cash+ Flexi has no lock-up period or maximum investment limit. Syfe does not charge any management fees, nor other administrative fees for Cash+ Flexi HKD / USD.

While there are fund-level fees of 0.10% p.a. charged within the current constituents, any rebates Syfe receives from them will be credited back to you. The resulting net fund-level fee is already included in the calculation for the yield Cash+ offers.

Kindly note that as Cash+ Flexi is invested in very low-risk money markets funds, it is not capital guaranteed.

How do I receive the returns from my Cash+ Flexi portfolio?

Returns (if any) on your Cash+ Flexi are accrued daily.
As such, any returns earned will be automatically reflected in your Cash+ Flexi portfolio value.

When you place a withdrawal request, you can choose to withdraw the total amount held in your Cash+ Flexi portfolio, including all returns earned. Kindly note that once a withdrawal request is submitted, we will sell off your assets within 1-2 working days at their prevailing market prices at the point of selling.

Should you opt to stay invested, you can let your returns compound to grow your cash more quickly.