Beyond term deposits
Cash became more attractive after 2022's rate normalisation. Many investors now hold large amounts of cash earning sub-inflation returns.
As interest rates potentially decline going forward, investors may increasingly look beyond traditional deposits toward diversified income strategies. These can be designed to balance:
Yield
Income potential well beyond traditional cash and term deposits
Liquidity
Daily liquidity and transparent ETF-based portfolio structures
Transparency
Clear underlying holdings, pricing, and institutional custodial frameworks
Risk management
Diversification balances income generation and downside protection
High Income Strategies
Upgrade your cash. With daily liquidity.
5.6%
Fixed Income
Net USD yield
8.4%
Fixed Income Plus+
Net USD yield
5.4%
SGD-Hedged Fixed Income Plus+
Net SGD yield
Key features:
Investment-grade and global bond exposure
Select higher-yielding segments
Systematic low-risk framework
Instant, no-penalty access
Delivers stable, liquid income materially above bank deposit rates.