The wise and safe place for your savings
The wise and safe place for your savings
Enjoy higher daily interest with no lock-in
Current rate: 0.62% p.a. (5-day Moving Average as at 29 October 2020)
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.
All The Things You Get
Higher Returns Than Retail Deposits
No more worries about having to find the next better fixed deposit to move your savings to. The fund has a track record of cash strategy that works to get you one of the best rates.
Expect Low To No Risk
Liquidity With No Lock-in Period
No Sales Charge, Advisory Or Platform fee
Start Saving For As Little As $10
Professionally Managed Cash Solutions By Fullerton Fund Management (Temasek-Owned)
Indicate How Much You Want To Save
Set up your MoneyOwl Account
Use SingPass for a fuss-free process or simply log in if you already have an existing account.
Transfer the Amount To Be Funded
Key Features
Higher Returns With Flexibility & Liquidity
With MoneyOwl WiseSaver, a fund which invests in Singapore Dollar bank deposits, you now have an alternative to earn higher returns, while maintaining the flexibility and liquidity to withdraw your funds whenever you need them.
When you save with MoneyOwl WiseSaver, it is like placing your funds in SGD fixed deposits which gets rolled over and over automatically until you need the money. It certainly takes the fuss out of finding the best fixed deposit rates in the market and only earning the interest when they mature.
It is the perfect place for you to park your spare cash, including your emergency or rainy day fund, 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.
Save Confidently and Put Your Cash To Work
Source: Fullerton Fund Management Company
Figures are accurate as of 30th September 2020
Read Our Latest Investment Resources
How To Save The Smart And Safe Way?
In a recent survey of 1,000 Singaporeans by OCBC, 50% of respondents said that they do not have enough savings to last them at least 3 months of their monthly expenses. What this means is that in the event of a job loss, about half of us would need to find another...
Investment Principle #7: Don’t Try To Pick Individual Stocks
Most of us would have witnessed the stunning spectacle of multicultural dance performances at our National Day Parade and been amazed at the fascinating displays of human synchrony. Some of us may even recall participating in the marching parades or being part of the...
Principle #6: Put Science and Academic Research on Your Side
When it comes to food, what is good for our health seldom taste or sound exciting. Think bitter gourd. On the contrary, food that whets our appetite is usually high in salt or sugar content which when not consumed in moderation, results in many different health issues...
Investing Principle #9 – Invests as if Markets are Efficient
Imagine you have won a pair of limited-edition Nike sneakers in a lucky draw but want to sell it on Carousell. Since you are unaware of its real value, you set the price at $80. Someone who works at a Nike Shop who knows that it is worth at least $300 in the market,...
Investment Principle #8 Don’t Try to Predict Markets
Some people think that investing is like gambling or buying lottery - to win you need to guess correctly and bet on the winning number(s). Some go the extra mile of compiling the past winning numbers so as to predict what the next set of winning numbers will be....
Top Questions People Ask Us
Are my capital and returns guaranteed?
Your returns depend on the weighted average gross yield of the underlying deposits, which may fluctuate as market and economic conditions change.
Your savings earn interest on a daily basis net of fees based on the current weighted average gross yield published.
What fees do I pay?
What is the minimum amount to save in MoneyOwl WiseSaver?
The minimum amount to save in MoneyOwl WiseSaver is $10 for one-time saving and monthly regular savings plan (RSP).
Will there be any lock-in period?
Who is suitable to save in MoneyOwl WiseSaver?
However, if you have already set aside 6 months of emergency cash, and have an investment time horizon of more than 3 years, we recommend investing through our MoneyOwl portfolios instead for higher expected returns.
Go to Investment 
