iFAST Enhanced Liquidity Funds – Higher Returns with Same-Day Access

Looking for a smarter way to manage your cash without sacrificing access or stability? Introducing the iFAST Enhanced Liquidity Funds (ELFs)—a suite of institutional-grade liquidity solutions now available for direct subscription via FSMOne, giving you same-day access (T+0) to your funds.

Whether you are parking idle cash, optimising liquidity in your portfolio, or adopting a wait-and-see approach amid market uncertainties like the current tariff tensions, the iFAST ELFs offer the perfect balance of higher yields, capital preservation, and instant access.

In Times of Uncertainty, Flexibility Matters
With growing global market volatility and uncertainties stemming from trade tensions and tariff developments, many investors are opting to stay on the sidelines. But that does not mean your cash should sit idle. The iFAST ELFs let you park your money securely while continuing to earn attractive yields—so you can wait for clearer opportunities without missing out on returns in the meantime.

Enhanced Returns, Without Lock-In
Unlike traditional fixed deposits which require you to tie up your money for months, the iFAST ELFs provide enhanced returns on your idle cash—without any lock-up period. Our funds invest in a well-diversified basket of high-quality money market instruments, strongly rated government and corporate bonds, short-term treasuries, and bank deposits.

The result? A consistent yield that outperforms typical savings or current accounts and even fixed deposits of similar tenor. These instruments are selected and managed by our experienced investment team with a disciplined credit and duration approach, offering an attractive alternative for both short-term cash parking and longer-term liquidity needs.

Reliable, Stable and Secure
The iFAST ELFs are constructed to meet institutional standards of risk management, while remaining accessible to retail investors. Our portfolio management process is guided by a conservative strategy, focusing on high-quality, short-duration instruments.

Each fund maintains a minimum credit rating of A-, offering both security and peace of mind. This strong credit profile and our disciplined diversification strategy ensure that your capital remains safe—even during periods of market volatility.

Best of all, yields are accrued and credited daily—so you can see your returns grow every day, giving you full visibility and control over your cash investments.

Unparalleled Liquidity with T+0 Settlement
Liquidity lies at the heart of the iFAST ELFs. As the main underlying fund supporting the Autosweep service — which powers seamless transactions across stocks, ETF, unit trusts, and bond purchases, as well as debit card usage—our ELFs are designed to ensure that clients can meet any withdrawal or purchase needs instantly.

To achieve this, the funds maintain 30–40% of their assets in cash and cash equivalents (e.g., fixed deposits), significantly boosting our ability to fulfil redemptions on demand. Our fund management team monitors intra-day redemption flows, and this is complemented by an independent risk management team which oversees the fund’s liquidity profile to uphold robust governance and oversight.

When you redeem before 10 AM, your funds are credited back to your FSMOne Cash Account by the end of the same business day—an industry-first achievement for a mutual fund in this space.

Multi-Currency Options for Global Cash Needs
With a combined growth of over 620% since our inception, the iFAST ELFs have become a preferred liquidity solution for savvy investors across the region. We understand that cash management is not one-size-fits-all, which is why our ELFs are available in multiple currencies, including:

• SGD – iFAST SGD Enhanced Liquidity Fund
• USD – iFAST USD Enhanced Liquidity Fund
• CNH – iFAST-Lion CNH Enhanced Liquidity Fund

Whether you are investing in local or global markets, or actively seeking yield opportunities, our multi-currency options provide the flexibility to manage your cash across different currencies—without compromising on capital preservation or liquidity.

Direct Subscription Now Open – Earn Even More
First launched in August 2022, the iFAST ELFs were originally only available through our Autosweep service, which integrates seamlessly with FSMOne accounts to provide automated, real-time liquidity across your investments and transactions.

Now, with direct subscription fully available, you can maximise your return on excess cash by investing directly into these ELFs—giving you full control and visibility of your cash investments. Perfect for investors looking for yield enhancement.

Difference between investing directly versus via Auto-Sweep

The main difference between investing directly into iFAST ELFs and investing via Auto-Sweep is that direct investment allows you to invest 100% into iFAST ELFs, whereas Auto-Sweep invests 90% into iFAST ELFs and maintains 10% in Auto-Sweep's Cash Account. This can lead to higher returns since every dollar is invested.

However, if you intend to use the balances to make other investment purchases (e.g., stocks, ETFs, bonds, and MAPS), this may not be feasible. You will need to sell the iFAST ELFs and wait for the proceeds to be credited back to your FSMOne Cash Account before making other investment purchases.Let Your Cash Work Harder While You Stay Nimble
With our iFAST ELFs, you no longer have to compromise between returns and access. Traditional options like savings accounts, current accounts, and fixed deposits offer lower yields and often come with inflexible withdrawal conditions.

If you are looking to make your cash work harder—without sacrificing safety or access—the iFAST ELFs are your answer. Especially in today’s environment, where markets are shifting and uncertainty looms, our ELFs offer a prudent yet rewarding way to stay liquid while waiting for the next opportunity.

Act NOW – It is Easy and Hassle-Free!
Why leave your money sitting in low-yield savings, checking, or fixed deposit accounts with restrictive withdrawal conditions? On FSMOne, you can start investing in the iFAST ELFs and enjoy higher returns—without compromising on liquidity or flexibility.

No lock-ins, no complicated setup. Just a simple, fuss-free way to make your cash work harder for you—with industry-first same-day access for a mutual fund. Start earning more, effortlessly.