Earn 6.3%* p.a. yield
Put your cash to work with a portfolio of short-term US Treasuries. No minimum. No lock-ins. Just steady returns on the world's reserve currency.
* New investors can enjoy an extra 2.3% p.a. rate boost on USD Cash Yield for 3 months with a minimum deposit of $10,000 USD.
StashAway Management (DIFC) Limited is regulated by the DFSA (license number F006312).
Make your cash work harder
Grow your savings
Earn consistent yields that move in line with US interest rates.
- Invests in short-term US Treasuries with maturities of up to 3 months.
- Designed to closely track the Federal Reserve’s policy rate.
Ultra-low risk
Built on one of the safest assets globally.
- Backed by the US government.
- Part of the $28 trillion US Treasury market, the world’s most liquid bond market.
Access your money anytime
Enjoy full flexibility with no lock-ins and no limits.
- Withdraw or transfer whenever you need to.
- No minimum salary requirements, no paperwork, no hoops.
Get ahead with USD Cash Yield
- Diversify into USD, the world's reserve currency.
- A simple way to plan for USD expenses such as travel, education, or big purchases.
- Allows for holding cash before investing in USD-denominated portfolios.
About the portfolio
Latest yield: 4%* p.a.
*The yield to maturity is provided by the ETF fund manager and is not a guarantee for future returns. The latest annualised yield is as of 30 Sep 2025 and may change depending on market conditions.
Management fee
0.3% p.a.
Start investing in minutes
Get smarter with your cash
* New investors can enjoy an extra 2.3% p.a. rate boost on their USD Cash Yield portfolio for 3 months with a minimum deposit of $10,000 USD.
Make cash decisions with confidence
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Frequently Asked Questions
What are short-dated US treasury bonds?
Short-dated US Treasury bonds are also known as Treasury bills (T-bills). They're debt securities issued by the US government with a maturity of one year or less, making them highly liquid.
Who is the USD Cash Yield portfolio suitable for?
The USD Cash Yield portfolio suits investors looking to earn a yield on their idle cash while gaining exposure to the US Dollar. Since US Treasuries are low-risk and liquid, they offer a safe way to invest and diversify your cash.
Because the Dirham is pegged to the US Dollar, this portfolio offers the stability of USD-denominated assets while keeping currency exposure aligned with AED.
How risky are US Treasuries?
US Treasuries are backed by the US government, making them virtually one of the safest investments. The US government has a long history of meeting its debt obligations since it can pay off its debts by raising taxes or printing more money. The only credit risk would come from the highly unlikely scenario that the US government would default.
What are the management fees for the USD Cash Yield portfolio?
USD Cash Yield is charged a flat management fee of 0.3% p.a.
Since the portfolio is denominated in USD, currency conversion may apply when you deposit or withdraw in AED. There is a 0.29% one-off currency conversion fee on the spot rate when converting between AED and USD. This is lower than typical bank or broker FX rates.
To summarise:
Total cost = StashAway management fee of 0.3% p.a. + one-time currency conversion fee of 0.29%
Will my actual returns always match the yield to maturity?
No, this is not a guarantee. The portfolio's value is subject to market volatility, such as changing interest rates.