⭐ Editor's Choice — Top Rated Pick
Syfe Wealth, Cash+ & Brokerage (Singapore)
📍 Available in: Singapore, Hong Kong & Australia
★★★★★ 4.8 / 5.0
Holding a Capital Markets Services (CMS) license from the Monetary Authority of Singapore (MAS), Syfe is a powerhouse for Singapore residents and expats. It combines Cash+ Guaranteed (which locks in institutional fixed-deposit SGD rates with zero lock-up cap), Syfe REIT+ (tracking the iEdge S-REIT Leaders Index for tax-free Singapore real estate dividends), and a full brokerage offering monthly free US stock trades.
Key Facts at a Glance
| Cost / Fee Structure | 0% Fee on Cash+ Guaranteed / 0.35%–0.65% Managed Portfolios |
| APR / Rate | ~3.60%–3.80% p.a. SGD Cash+ Guaranteed Yield |
| Coverage / Loan Limit | $0 Minimum Balance (PayNow Instant SGD Funding) |
| Credit / Eligibility | MAS Licensed (CMS100837) + SIPC Protected US Equities |
Pros & Cons
✓ Pros
- ✓Cash+ Guaranteed delivers institutional fixed-deposit SGD yields without traditional bank salary/credit card hoops
- ✓Syfe REIT+ is the most cost-effective way to build passive tax-free Singapore real estate dividend income
- ✓UCITS Irish-domiciled ETF access for high-tier clients to cut US dividend withholding tax from 30% to 15%
✕ Cons
- ✕Cash+ Guaranteed funds are locked for the chosen 1, 3, 6, or 12-month tenor (use Cash+ Flexi for daily liquidity)
- ✕FX spread on SGD-to-USD brokerage trades is slightly wider than Interactive Brokers SG
Key Features
Cash+ Guaranteed: Institutional SGD Fixed-Deposit Returns with $0 FeesSyfe REIT+: Automated Portfolio of 20 Blue-Chip Singapore REITs (Tax-Free Dividends)Monthly Free US Stock & ETF Trades + Fractional Shares from $1 USDInstant 5-Second SGD Deposits via Singapore PayNow & FAST
Compare Syfe Wealth, Cash+ & Brokerage (Singapore) Side-by-Side
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