Income+ and Cash+ Flexi are both portfolios from Syfe designed to meet different investment goals.

Purpose: 

• Income+ is tailored for investors seeking consistent income with a potential for capital appreciation. Income+ portfolios are constructed with actively managed funds. We have diversified the Income+ portfolios by selecting funds which have exposure to different fixed income assets, such as government bonds, corporate bonds, convertible bonds, etc.
• Cash+ Flexi is designed as a liquid alternative to petty cash. Cash+ Flexi is currently composed of USD or HKD money market funds. The objective of Cash+ Flexi is to achieve a return in line with or above the prevailing money market rates, with primary considerations of maintaining low risk and high liquidity.

Risk & Return:

• Income+ may carry higher risks compared to Cash+ Flexi because it invests in a broader range of fixed-income instruments.
• Cash+ Flexi is more conservative, focusing on capital preservation while offering competitive yields.

Investment Horizon:

• Income+ is suitable for those with a medium to long-term investment horizon who also wish to receive regular periodic income.
• Cash+ Flexi is ideal for those looking for a short-term solution to park their funds with better returns than petty cash or cash sitting in the bank.

Underlying Investments:

• Income+ primarily invests in fixed income funds and multi asset funds.
• Cash+ Flexi primarily invests in money market funds.

Remember, the choice between Income+ and Cash+ Flexi should be based on your individual financial goals, risk tolerance, and investment horizon. Always consider seeking advice from a financial advisor to make an informed decision.