Cash+ Fixed HKD is an investment management service wherein your funds are placed in time deposits with leading banks in Hong Kong. The displayed rate represents the fixed return you will receive on your investment at the end of the term. Please note Cash+ Fixed HKD should not be taken as a collective investment scheme or a deposit or savings account, and does not involve any pooling.

Here's a summary of how it works:

1. Create a Cash+ Fixed HKD investment on Syfe App.
2. Add funds. 
3. Once we process, the funds will automatically be locked and queued for investment.
4. Your funds will be invested within one business day.
5. Over the term you have chosen, you'll have the flexibility to decide whether you want to reinvest or not when the term concludes. If you opt not to reinvest, your funds will remain in Cash+ Fixed HKD until you determine your next course of action, which may be reinvesting for another term at the prevailing rate, withdrawing, or reallocating your funds.