Earn a projected 4.3%* p.a. on any amount
Future-proof your savings with StashAway Simple™.
* The projected rate is not guaranteed and is as of 31 Aug 2024. It is based on the Gross Yield provided by the fund manager.
StashAway Management (DIFC) Limited is regulated by the DFSA (license number F006312).
Stash your cash with no rules
- No minimum balance
- No limit on the amount that can earn the projected rate
- No investment, insurance, or salary requirements
How will you use Simple?
- Store your emergency fund
- Prepare for short-term liquidity needs
- Fund your StashAway investment portfolios
Growing your cash should be Simple
StashAway Simple™ | Banks |
|---|---|
No minimum balance to earn the projected rate. $1 or $1,000,000, it’s all the same to us. | Require a minimum balance to earn the basic rate. |
No requirements to meet to earn the full projected rate. | Require investments, insurance, salary crediting, and more to unlock the full rate. |
Where does your money go?
StashAway Simple™’s underlying funds
Emirates Islamic AED Money Market Fund
100%
Pricing
Simple | |
|---|---|
Projected rate from the fund manager | 4.6% p.a. |
StashAway management fee | 0.3% p.a. |
Projected rate after all the fees | 4.3%* p.a. |
Disclaimer:
* The projected rate is not guaranteed and is as of 31 Aug 2024. It is based on the Gross Yield provided by the fund manager.
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Get smarter with your cash
Frequently Asked Questions
Why shouldn't I invest in these funds myself instead of having StashAway invest on my behalf?
First, with the enhanced liquidity fund, we are using an institutional share class that has lower total expense ratio (annual fee charged by the ELF's fund manager) than the retail share class available on FSM or anywhere else. So, we give you access to the ELF at a lower cost.
Second, we return all rebates from the enhanced liquidity fund and money market fund back to you. Most other platforms and fund managers don't do this.
Do I need to invest with StashAway to have StashAway Simple™?
Nope! You can have just a StashAway Simple™ portfolio, if that's what works best for your financial plan.
How is StashAway Simple™ different from a fixed deposit account or savings account?
Unlike fixed deposit accounts that require a minimum lock-up period, you can withdraw from StashAway Simple™ at any time. And unlike traditional savings accounts, StashAway Simple™ doesn't have any tiered earnings structures or account activity requirements. Also, StashAway Simple™'s rate can vary, depending on the economic environment. In addition, your Simple portfolio is made up of ultra-low risk assets, but is not insured.
How risky is StashAway Simple™?
We designed StashAway Simple™ to be an ultra-low risk cash management portfolio. The underlying fund in StashAway Simple, Eastspring Investment Islamic Income Fund, is a money market fund issued by Eastspring Investments Berhad that invests in Islamic money market and other fixed deposits.
Can the projected rate change?
Yes. Depending on economic conditions, StashAway Simple™'s projected rate may change, as its underlying fund is affected by Malaysia's economic health and trajectory. Though, when applicable, our system will re-optimise your StashAway Simple™ portfolio to maintain the highest possible projected rate within a given economic environment. The risk level to which your money is exposed will remain the same within StashAway Simple™.