Get the most out of your cash

Grow your cash with a yield of 5.3%* p.a. with our USD Cash Yield portfolio. Invest in ultra-low-risk US Treasuries.

caption media

We’re licensed by the Securities and Futures Commission of Hong Kong (CE No. BQE542)

Get the most out of your cash

Grow your cash with a yield of 5.3%* p.a. with our USD Cash Yield portfolio. Invest in ultra-low-risk US Treasuries.

Get the most out of your cash
Stand a chance to get free investing for life by making a new deposit of cumulative $50,000 HKD, and receive additional $200 HKD cash coupon for all new customers!
Learn More
gold coints

With our USD Cash Yield portfolio, you’ll get exposure to short-duration US Treasury bills with maturities between 1–3 months. 

Grow your cash with no rules

  • No minimum or maximum balance
  • No lock-ins
  • No restrictions on withdrawals or transfers
  • No investment, insurance, or salary requirements
Grow your cash with no rules

Why invest in USD Cash Plus?

Treasury yields are at decade-highs

Interest rates are likely to stay high in 2023, providing investors compelling yields at low risk

US Treasuries are one of the safest investments around

They're backed by the US government

Helps protect against inflation

Yields are correlated to rising interest rates

More about our USD Cash Yield portfolio

We offer our USD Cash Yield portfolio as a template under our customisable Flexible Portfolios in the StashAway app. Select the USD Cash Yield template, and customise it anytime from 45+ different asset classes.

USD Cash Yield portfolio

Latest yield: 5.3%* p.a.

*The yield is provided by the ETF fund manager and is not a guarantee for future returns. The latest annualised yield is as of 4 May 2023, and may change depending on market conditions.

Management fee
Free until 30 June 2023. T&Cs apply

Ultra-low risk

Underlying funds
Short-duration US Treasuries with maturities between 1-3 months

USD Cash Yield portfolio

Build your wealth today

By creating an account, you agree to the Platform Agreement

Download our mobile app

Build your wealth today

Build your wealth today

Frequently Asked Questions

Everyone. Since US Treasuries are ultra-low risk and liquid, it’s a great way to grow your cash.

Managing your cash should be part of any financial plan, no matter your net worth and risk tolerance. A low-risk, rate-earning cash management portfolio protects your money from losing too much of its value to inflation. It also protects your money from any sudden market dips just as you might need to withdraw it.

US Treasuries are backed by the US government, making them virtually one of the safest investments around. 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.

There are a few key differences between a classic fixed deposit account at a bank and USD Cash Yield.

A fixed deposit is an account opened at a bank that pays a guaranteed interest rate after a stipulated time period.

  • Rate: You lock in a guaranteed rate
  • Lock-in period: Varies from 3 to 12 months on average.
  • Minimum amount: Usually requires $20,000+ of new funds to earn preferential interest rate 
  • Deposit insurance: Insured under Hong Kong’s Deposit Protection Scheme for up to $500,000 HKD per depositor per scheme member.

In comparison, USD Cash Yield is a portfolio that invests into short-term US Treasury Bills. 

  • Rate: The rate is a projection and moves along with US Treasury Bill rates.
  • Lock-in period: None.
  • Minimum amount: None.
  • Deposit insurance: Uninsured.

The returns will reflect in your portfolio daily. You can view your returns on USD Cash Yield’s Portfolio Details page on your app or review your monthly statement (look for a column Total Returns (Incl. Dividends)) for detailed information.

StashAway only charges one fee and it’s the management fee, which is calculated as a percentage of your total assets at StashAway. From now till 30 June 2023, the fee has been waived and starting from 1 July 2023 a fee of 0.3% p.a. will be charged.

In addition to the StashAway management fee, ETF managers also charge a small management fee of 0.14% p.a. for USD Cash Yield. Do note that if you deposit in HKD, StashAway’s custodian bank charges a small one-off currency conversion fee of 0.10%. This is because it is a USD-denominated portfolio and the fee is very competitive in comparison to most retail banks which charge between 0.35 - 0.7%. 

To summarise:

Total fee for USD Cash Yield = StashAway management fee (0.3%p.a. From 1 July 2023)+ ETF manager fee of 0.14% p.a. + currency conversion fee 0.10%.