WiseSaver

The wise and safe way to grow your savings, at a higher daily interest with no lock-in..

5-day Moving Average as of 27 January 2023

4.01% p.a.*

* This rate is the gross indicative yield of the underlying cash fund, which may fluctuate as market and economic conditions change. It does not indicate the return you get for holding your investments for a year. We will update this rate periodically as the yield changes.

About WiseSaver

MoneyOwl WiseSaver is a fund which invests in Singapore Dollar bank deposits, allowing you to earn higher returns with the ability to withdraw your funds whenever you need them.

This is the perfect place for you to park your spare cash and emergency funds, as well as the “dry powder” that we encourage our clients to set aside for investing when markets go on sale.

You can also easily set up WiseSaver as your monthly savings account to “pay yourself first” as a good budgeting discipline.

Current rate: 4.01% p.a.* (5-day Moving Average as of 27 January 2023)

This rate is the gross indicative yield of the underlying cash fund, which may fluctuate as market and economic conditions change. It does not indicate the return you get for holding your investments for a year. We will update this rate periodically as the yield changes.

Get More Out of Your Savings

Put your rainy day funds to work for as little as $10!

Higher Returns Than Retail Deposits

No more worries about having to find the next best fixed deposit to move your savings to. This fund has a proven cash strategy that works to get you the best available rates.

Expect Low to No Risk

Your savings will be deposited mainly in Singapore Dollar bank deposits, as offered by local financial institutions with short-term investment grade ratings.

Liquidity With No Lock-in Period

Withdraw your savings at any time, with no minimum lock-in period. Your returns will be computed based on the price you redeemed your units at and returned to your bank account within 2 business days.

No Sales Charge, Advisory or Platform Fee

We keep costs low so that every dollar saved generates optimal returns for you. Fund-level fees are just 0.15%, payable to the underlying fund manager.

Professionally Managed Cash Solution by Fullerton Fund Management (Temasek-Owned)

Have peace of mind knowing that you’re saving in one of Singapore’s largest cash funds, used by notable companies and institutions for their cash management.

Current rate: 4.01% p.a.* (5-day Moving Average as of 27 January 2023)

This rate is the gross indicative yield of the underlying cash fund, which may fluctuate as market and economic conditions change. We will update this rate periodically as the yield changes.

Joint Investment Account

Give your child or loved ones the gift of financial security by opening a joint investment account with them.

A joint investment account can be opened for any of MoneyOwl’s investment products (excluding SRS, CPF monies) with a minor (under 18 years old) or an adult.

Read our joint account FAQs here.

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Promotions

Take advantage of the latest investment promotions from MoneyOwl.

Get 5% off public rates when you pay with Trust promo code for Dimensional and WiseIncome. Valid till 31 December 2023.

Trust Bank

From now till 30 April 2023, get $20 WiseSaver units for free when you open a WiseSaver account! T&Cs apply.

From 1 February -
30 April 2023

MoneyOwl Promotions

Promotions

Get more bang for your buck with these promotions.

WiseSaver Promotion

Receive free $20 worth of WiseSaver units when you open a WiseSaver account today!​

You can also get an additional $20 Grab voucher when you refer a friend.

This promotion is limited to the first 500 qualifying clients and is available from 1 August to 31 October 2022.

Grow Your Savings With Low Risk and Zero Hassle

Frequently Asked Questions

There is a fund level fee of 0.15% p.a., which is factored into the price of each unit, paid directly to Fullerton Fund Management. There are no other fees beyond this.

The minimum amount to save in MoneyOwl WiseSaver is $10 for one-time saving and monthly regular savings plan (RSP).

There is no lock-in period for MoneyOwl WiseSaver.

Yes. For as low as $10/month, you can be on your way to developing a positive savings habit.

The underlying instrument is Fullerton SGD Cash Fund which is managed by Fullerton Fund Management. Since 2009, the fund holds its assets primarily in Singapore Dollar Deposits (varying terms of maturity not more than 366 working days) with eligible local financial institutions.

Fullerton Fund Management ("Fullerton") is an Asia-based investment specialist, with capabilities that span equities, fixed income, multi-asset, treasury management and alternatives, including private equity. The firm was incorporated in Singapore in 2003 and is a subsidiary of Temasek. NTUC Income, a leading Singapore insurer, became its minority shareholder in 2018.

Factsheet  |  Product Highlights Sheet  |  Prospectus

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Recommended Next Steps

Grow your money with MoneyOwl WiseSaver today. Have more questions about this service? Browse through our FAQs or leave us a message below.

Get Safe and Flexible Cash Management at Your Fingertips

Enjoy stable returns on your investment with the confidence of accessing your funds when needed, any time.

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Explore the answers to commonly-asked questions.

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