PayNowQR (BOC/Hsbc tested) is the simplest funding method… no need to add payee

change password .. same as forgot-password.

funding and withdrawal bank account must be under my own name, same as Poems

Hazard! Each TimeD (aka ptf) needs manual toggle to disable rollover. After maturity, you need to manually transfer P+I to your bank account. Otherwise, the fund will be sitting there idle (no more accrual).

No fee… my EGA bank account received every cent as expected.

(After rollover, you lose liquidity.)

Hotline is 9-6. Live-person chat is 24H on weekdays, esp. on APP, thought I only got the chatbot. On website (without login) -> connect -> …
Advisor available for accounts above 50k

for fund transfer, I will use HSBC to help maintain my Premier status.

— withdraw .. after 3pm on maturity, for a few days at least. T+1 (7pm) to receive.

— https://growbeansprout.com/syfe-cash-plus-guaranteed-vs-tbills-fixed-deposits is a review by a 3rd party, not official TnC

— “Portfolios” page shows me all my (immutable) portfolios.

Can create new ptf from here.

🙂 ptf names are editable.

— Syfe as compared to Hsbc 3.6 ppa

• 👎 liqudity .. The biggest danger. Unknown to me for many weeks. worse than any TimeD or MMF. can’t withdraw pre-maturity at all; can’t top up (You need to create brand new ptf ). On the flip side, interest is easier to compute.
• 🙂 no need to wait 2 months to receive the interest.
• 👎 unreliable site. I can’t even go into my account.
• .. 👎 no 24h helpline (M-F 9-6), no advisor to meet up
• 👎 reliable, safety, regulation .. Hsbc is a reputable bank, though 3M is relatively short exposure window
• 🙂 no hoops to jump through
• 👎 No savings account. The Flexi is a MM-mufu just like those in FSM and Poems.
• 🙂 slightly higher yield .. 120k over 3M, 3.8 over 3.4 means $120 additional interest
• 👎 unlike real TD, there’s no SDIC protection