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What is the Difference Between Cash+ Fixed and Cash+ Flexi?

Both are cash management services offered by Syfe. They are both investment options designed to deliver stable returns, but they differ in structure and liquidity—making them suitable for different investor needs.

Cash+ Fixed: For Stable Returns

  • Investment Approach: Funds are placed in fixed deposits with leading banks in Hong Kong.
  • Return Profile: Offers a fixed interest rate, with returns paid out at the end of the term.
  • Term Options: Choose from 1, 3, 6, or 12-month durations.
  • Fund Lock-In: Once the portfolio is created and funded, the amount is locked until maturity.
  • Best For: Investors seeking predictable returns and willing to commit funds for a set period.

 

Cash+ Flexi: For Liquidity and Yield

  • Investment Approach: Funds are invested in money market funds.
  • Return Profile: Interest is accrued daily, with rates subject to market fluctuations.
  • Liquidity: Funds can be withdrawn at any time, offering high flexibility.
  • Best For: Investors who want access to their funds anytime while earning better returns than traditional savings.

 

✅ How to Choose?

  • If you prefer fixed returns and are comfortable locking in your funds for a short term, Cash+ Fixed is a great choice.
  • If you value flexibility and want your funds to remain accessible, Cash+ Flexi may be more suitable.