The Smart Borrower’s Choice: Low Interest Personal Loans For Excellent Credit Scores

The Smart Borrower’s Choice: Low Interest Personal Loans For Excellent Credit Scores – In order to serve you better, we will be performing scheduled maintenance on July 13, 22, approximately 23:00 SGT. 3 hours.

The platform will be unavailable between 15:00 and 16:00 SGT on 16 November 2023. We apologize for any inconvenience.

The Smart Borrower’s Choice: Low Interest Personal Loans For Excellent Credit Scores

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Get more for your money with Cash Smart solutions tailored to your risk. Enjoy higher returns from 3.7% to 5.2%*, no locks, no limits or tiers, no penalties, no hidden fees, no transfer restrictions and no cut-offs.

Grow Unlimited or Tiered Cash & SRS, with 3 risk and return options to choose from.

Cash Smart gives you access to the best cash, money market and short-term bonds in the industry, at the lowest rates. You will be given good advice on your goals so that you don’t lose your money

What are the funds and holdings in Cash Smart? What are the funds and holdings in Cash Smart?

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If you have money for future expenses, you get a higher return than leaving it in your current account or savings. When you deposit your money and paycheck with Cash Smart, your money doesn’t stay put.

Enjoy the freedom of choice, with the three best stocks that meet your financial and short-term financial needs, with different risks. Managed by Singapore’s leading fund managers, our portfolios deliver high return projections. Your money is under your control, on your terms, to meet your needs.

When you create an account, you will create a trusted account in your name at UOB Kay Hian, Singapore’s largest brokerage. Your assets are safely stored in a trust account and UOB Kay Hian will process all your transactions on the platform.

Choose from three portfolios designed to match your risk tolerance and unique money management needs, based on factors such as expected investment tenure, or when you need funds for your next big expense.

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Secure combines a fund that invests in institutional fixed deposits with one of the best mutual funds in Singapore.

Enhanced combines a short-term fund with one of the best money market funds offered by Singapore’s largest SGD fund manager with a higher yield than Secure.

Suitable for short and medium term cash needs. A balanced portfolio with a higher yield than Aman has slightly increased risk.

Draws may occur more frequently and for longer periods of time than Aman, although negative returns are expected to be less than Ultra.

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Ultra aims to provide the highest yield of the three Cash Smart portfolios over time with a diversified portfolio of short-term bonds and money market funds.

Suitable for medium-term capital needs and may require longer holdings during periods of volatility for higher returns.

The withdrawal may be sharper with a longer recovery time compared to Enhanced, although worst case recovery is expected at lower scores. A bad month can happen when the income market continues to decline.

Monthly cash management solution updates See the latest results on the top cash management funds and Cash Smart portfolios on the platform.

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Latest Quarterly Performance Update Read about the Cash Smart portfolio’s performance and how it compares to market benchmarks.

Ask your CIO: About T-bills, SSB, FD, Bonds Which cash management solution is right for you? Learn about exchanges that go beyond comparing interest rates.

Cash Smart is a diversified investment portfolio of cash, stock market and short term income. As an investment product, Cash Smart is not a safe investment and may experience periods of negative returns. The return potential of each Cash Smart portfolio is positively correlated with the risk profile of the underlying investment. Read more here about the differences between each Cash Smart portfolio.

When you deposit money at a Deposit Insurance (DI) member bank in Singapore Dollars (SGD), the Singapore Deposit Insurance Corporation Limited (SDIC) insures you up to $75,000 in the event of bank failure . As Cash Smart is an investment product and not a bank deposit, it is not guaranteed by SDIC.

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Cash Smart invests in cash. The fund has its assets held by trustees and managers (in the case of Cash Smart, the trustees and managers are HSBC for Fullerton and Lion Global, and State Street for UOB Asset Management). You, as an investor, also have a custodian (in our case, this is UOB Kay Hian, the largest brokerage in Singapore).

With Custodian, (your financial advisor), as well as Fullerton, Singa Global and UOB Asset Management (fund manager) you never touch your money. The fund manager has strict guidelines on what the fund can and cannot use and a team dedicated to working with your money on advice, carried out through the manager.

The fund has various holdings and partners such as bank deposits, fixed deposits, government and corporate bonds. The fund also has a diverse investor base from financial institutions, public funds, corporations, charities, to individual investors.

The return potential of each Cash Smart portfolio is positively correlated with the risk profile of the underlying investment. For example, Cash Smart Ultra takes the most time and risk out of the loan in exchange for the highest return potential, followed by Cash Smart Enhanced and then Cash Smart Aman.

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The higher risk of Ultra and Enhanced in the normal environment makes and gives more increase in the stock than Aman, but at the same time, these products are more flexible to get higher results. Therefore, it is important for customers to choose stocks based on their goals (that is, what they intend to use the money for), the withdrawals they are willing to endure in the worst case and the time period they need.

In calculating the probability of reaching the goal, we closely monitor the performance through the 3-month cycle and the 6-month cycle. We also look at past pullbacks, such as March 2020, to estimate how long it will take for the stock to recoup losses, which is between 3 and 6 months. However, past performance may be indicative of future returns but not a guarantee of future returns.

You should choose a Cash Smart portfolio based on your cash management needs, your level of investment loss tolerance and your time horizon. If you need help choosing the right portfolio for your needs, talk to one of our advisors. You can schedule an advisor call via https:///insights/schedule-call-mas-financial-advisor/.

Note: As of November 21, 2017, Smart Cash is known as Smart Secure Cash. The basic investment proposition remains unchanged.

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How can Cash Smart Secure, Enhanced and Ultra generate the right returns? How is the estimated return period calculated?

Estimates are updated monthly based on the latest updates from each fund’s fund manager. Please see https:///cash-smart for the latest estimated return on each Smart Cash Portfolio.

The return is the increase or decrease in the investment value of the fixed income holding, while the yield is the payment as a result of the fixed income holding.

Imagine you lend $10,000 to your friend, Mr. A, who promises to pay you back in a few years. Meanwhile, Mr. A is willing to pay monthly interest as a token of appreciation. Here, the monthly interest you will earn is the yield (or yield over time) of the loan.

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Now, imagine that Mr. A is two months later, and you are not sure if he can pay back $10,000. Mr. A offers to pay a higher monthly interest to prove that everything is fine (that is, the yield has increased), but you are still uncomfortable.

On the other hand, a friend, Mrs. B, heard about this situation and thought that the loan was attractive, the interest rate was attractive, and for some reason she believed that she might find a job soon. Mrs. A. offers to replace you as a debtor, by purchasing the debt from you for $15,000.

If Mrs. B “sells” the loan, she will receive $5,000 in profit and two months’ interest that you have earned to date. This reverses your credit.

Let’s go back to the Cash Smart perspective. Cash Smart’s core funds are all invested in “loans” to businesses. Everyone will receive loan interest, and at the level of savings – this is the return of Cash Smart.

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At the same time, the “loan” depends on many factors, including the company’s finances, or the market environment in general, and affects the value of the loan. credit the fund receives if they choose to sell the debt.