{"id":47500,"date":"2021-08-19T12:46:39","date_gmt":"2021-08-19T04:46:39","guid":{"rendered":"https:\/\/www.imoney.my\/articles\/?p=47500"},"modified":"2021-08-19T23:37:06","modified_gmt":"2021-08-19T15:37:06","slug":"cash-management-comparison","status":"publish","type":"post","link":"https:\/\/www.imoney.my\/articles\/cash-management-comparison","title":{"rendered":"StashAway Simple, Versa Or GO+: Which Cash Management Account Should You Use?"},"content":{"rendered":"<p>Fixed deposits may be safe and predictable, but they ask for a lot in return. To get the best rates, you may need to deposit thousands of ringgit and lock in your money for a few years. Withdraw before your tenure is up, and you may get an interest rate penalty. Besides that, interest rates have dipped in the past few years \u2013 the average six-month deposit rate is only around 1.8% p.a.<\/p>\n<p>On the upside, a few digital platforms are now offering alternatives in the form of cash management solutions. These may have return rates on-par with or better than fixed deposits, without any interest penalties or lock-in periods.<\/p>\n<p>In Malaysia, robo advisor platform StashAway offers StashAway Simple, a cash management portfolio. There\u2019s also Versa, which partnered with Affin Hwang to launch its digital cash management platform.<\/p>\n<p>And then there\u2019s the newly launched GO+ by Touch &#8216;n Go. While GO+ markets itself as an eWallet investment solution instead of a cash management solution, we included it in this comparison as it also allows users to invest in money market funds digitally.<\/p>\n<div class=\"block\"><div>StashAway also offers an <a href=\"https:\/\/www.imoney.my\/articles\/robo-advisor-comparison\" target=\"_blank\" rel=\"noopener noreferrer\">investment portfolio<\/a> \u2013 as an iMoney reader, enjoy reduced fees when you sign up through <a href=\"https:\/\/www.stashaway.my\/ref\/imoney-3ece930e-5e69-492c-adb4-9b0ddb2a1dda\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">this link<\/a>. But as always, remember to do your own research before investing.<\/div><\/div>\n<p>So how do these platforms work, is it worth putting money in them and which platform should you choose? Here\u2019s what you need to know.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"How-do-they-generate-interest-returns\"><\/span>How do they generate interest returns?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>These platforms invest your deposits in money market funds, which include short-term debts that are loaned to banks and the government. These funds also hold deposits from banks. There is little risk involved as they invest in high quality debt that matures quickly.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"What-are-the-advantages\"><\/span>What are the advantages?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li><strong>No lock-ins. <\/strong>Your interest returns are computed daily, so you don\u2019t need to deposit your money for a specific amount of time to get the best interest rates (as with fixed deposits). You can withdraw anytime without incurring interest penalties.<\/li>\n<li><strong>Easy access. <\/strong>Signing up for these platforms takes minutes. It\u2019s a convenient way of investing in money market funds.<\/li>\n<li><strong>Potentially higher returns. <\/strong>Money market funds can potentially deliver higher returns than fixed deposits.<\/li>\n<li><strong>Low minimum deposit. <\/strong>Conventional savings or investment products typically require a minimum deposit. For instance, you may only get the best interest rates with savings or fixed deposit accounts if you can place a minimum of a few thousand ringgit. Unit trust funds usually ask for an initial RM1,000 investment. But with cash management platforms, there are no tiered interest rates, and minimum deposits can be as low as RM1.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"What-are-the-downsides\"><\/span>What are the downsides?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li><strong>Withdrawal takes time. <\/strong>Taking your money out from a savings account or fixed deposit is instant. But with these platforms, withdrawal can take a day or more.<\/li>\n<li><strong>No PIDM protection. <\/strong>Your bank deposits (e.g. in savings accounts, current accounts and fixed deposits) are automatically protected by <em>Perbadanan Insurans Deposit Malaysia<\/em> (PIDM). In the unlikely event that your bank fails, PIDM will reimburse you with the money you have deposited, up to RM250,000. However, any money deposited in these cash management platforms are not protected under PIDM.<\/li>\n<li><strong>Projected returns can change. <\/strong>While these platforms state a projected annual return, your actual returns depend on the underlying money market fund. If the fund underperforms, the platform may change the projected return.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Cant-I-invest-directly-in-money-market-funds\"><\/span>Can\u2019t I invest directly in money market funds?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>At this point, you may be wondering: can\u2019t you invest directly into money market funds, without going through these platforms?<\/p>\n<p>Well, you can.<\/p>\n<p>You can invest in money market unit trusts through your bank, fund management institutions or sites like Fundsupermart (at zero sales charges, too). But going through a cash management platform has a few perks:<\/p>\n<ul>\n<li><strong>Potential fee rebate. <\/strong>The underlying money market fund may offer management fee rebates to the platform, which may be passed on to you.<\/li>\n<li><strong>Convenient access. <\/strong>Investing in unit trust funds conventionally can take days to process a transaction. But with these platforms, signing up and investing is potentially faster.<\/li>\n<li><strong>Potentially faster processing. <\/strong>When you sell unit trusts through conventional platforms, it may take a few working days for the money to be deposited into your account. But some cash management platforms may allow you to receive your funds within one working day.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"What-happens-if-these-platforms-close-down\"><\/span>What happens if these platforms close down?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>When you make a deposit into one of these platforms, they won\u2019t actually hold your money. Instead, your funds are kept in a trustee account belonging to a third-party firm. So if the platform closes down, you will still have access to your money.<\/p>\n<p>Whenever you invest, make sure the platform is licensed by the <a href=\"https:\/\/www.sc.com.my\/development\/digital\/digital-initiatives\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">Securities Commission<\/a> so you know they\u2019re following the proper procedures when it comes to handing your money.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"StashAway-Simple-vs-Versa-vs-GO-comparison\"><\/span>StashAway Simple vs Versa vs GO+ comparison<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Here\u2019s how these platforms compare at a glance:<\/p>\n<p>\n<table id=\"tablepress-1570\" class=\"tablepress tablepress-id-1570\">\n<thead>\n<tr class=\"row-1 odd\">\n\t<th class=\"column-1\"><\/th><th class=\"column-2\">Touch 'n Go eWallet GO+<\/th><th class=\"column-3\">StashAway Simple<\/th><th class=\"column-4\">Versa<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-hover\">\n<tr class=\"row-2 even\">\n\t<td class=\"column-1\"><strong>Platform fees<\/td><td class=\"column-2\">None<\/td><td class=\"column-3\">None<\/td><td class=\"column-4\">None<\/td>\n<\/tr>\n<tr class=\"row-3 odd\">\n\t<td class=\"column-1\"><strong>Minimum deposit<\/td><td class=\"column-2\">RM10<\/td><td class=\"column-3\">None<\/td><td class=\"column-4\">RM1<\/td>\n<\/tr>\n<tr class=\"row-4 even\">\n\t<td class=\"column-1\"><strong>Underlying fund<\/td><td class=\"column-2\">Principal e-Cash Fund<\/td><td class=\"column-3\">AmIncome Fund<\/td><td class=\"column-4\">Affin Hwang Enhanced Deposit Fund<\/td>\n<\/tr>\n<tr class=\"row-5 odd\">\n\t<td class=\"column-1\"><strong>Fund management fee p.a.<\/td><td class=\"column-2\">Up to 0.45%<\/td><td rowspan=\"2\" class=\"column-3\">Approx. 0.50%<\/td><td class=\"column-4\">0.30%<\/td>\n<\/tr>\n<tr class=\"row-6 even\">\n\t<td class=\"column-1\"><strong>Trustee fee p.a.<\/td><td class=\"column-2\">Up to 0.03%<\/td><td class=\"column-4\">0.05%<\/td>\n<\/tr>\n<tr class=\"row-7 odd\">\n\t<td class=\"column-1\"><strong>Projected returns p.a.*<\/td><td class=\"column-2\">1.50%<\/td><td class=\"column-3\">2.4%<\/td><td class=\"column-4\">Between 2.0% and 2.1%; up to 2.4%<\/td>\n<\/tr>\n<tr class=\"row-8 even\">\n\t<td class=\"column-1\"><strong>Withdrawal processing time<\/td><td class=\"column-2\">To Touch 'n Go eWallet: instant<br \/>\n<br \/>\nTo bank account: within 1 business day if request is submitted before 4pm<\/td><td class=\"column-3\">3 to 4 business days<\/td><td class=\"column-4\">Within 1 business day if request is submitted before 2.30pm<\/td>\n<\/tr>\n<tr class=\"row-9 odd\">\n\t<td class=\"column-1\"><strong>Shariah compliant<\/td><td class=\"column-2\">Yes<\/td><td class=\"column-3\">No<\/td><td class=\"column-4\">No<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<!-- #tablepress-1570 from cache --><em>*Net returns after covering fund fees; accurate at the time of writing but may vary daily<\/em><\/p>\n<p>Read on for more information about each platform.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Touch-%E2%80%98n-Go-eWallet-GO\"><\/span>Touch &#8216;n Go eWallet GO+<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>If you\u2019re an existing Touch \u2018n Go eWallet user, it\u2019s easy to sign up for GO+. Just fire up the eWallet app and click on the GO+ icon.<\/p>\n<p>You can deposit funds from your eWallet balance or your bank account. Withdrawal to your eWallet balance is instant, while your withdrawal to your bank account will take at least one business day. If your eWallet balance is insufficient to make a payment, the app\u2019s <a href=\"https:\/\/support.tngdigital.com.my\/hc\/en-my\/articles\/1500004724282-What-is-Quick-Reload-Payment-\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">Quick Reload Payment<\/a> feature that is enabled by default can automatically withdraw the exact amount from GO+ to complete the payment.<\/p>\n<p>But don\u2019t expect high returns: at the time of writing, its current projected interest rate is 1.5% p.a. (though it varies daily). This is lower than the average 6-month fixed deposit rate. If you put in a RM100 or so, this could mean getting a return of less than a fraction of a cent a day. However, it is a convenient way to get returns on your dormant eWallet balances, which would otherwise be just sitting there anyway.<\/p>\n<p>GO+\u2019s underlying fund is the Principal e-Cash Fund, which launched on March 15 this year. It has a management fee and trustee fee of 0.45% and 0.03%, which is higher than the fund fees of other cash management platforms.<\/p>\n<p>Currently, you can only hold a balance of up to RM9,500. There\u2019s also an <a href=\"https:\/\/support.tngdigital.com.my\/hc\/en-my\/articles\/1500004595021-Is-there-a-limit-to-my-GO-account-balance-\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">aggregate limit<\/a> of RM5 billion \u2013 this means that if the total GO+ balances of all customers reach RM5 billion, you won\u2019t be able to deposit any more funds into GO+.<\/p>\n<div class=\"block block--info\"><div><\/p>\n<p>++ Get returns on dormant eWallet balances<br \/>\n++ Can be automatically withdrawn for payments<br \/>\n++ Withdrawal within one business day<br \/>\n++ Shariah-compliant<\/p>\n<p>&#8212; Lower projected returns than other platforms<br \/>\n&#8212; Higher fund fees compared to other platforms<br \/>\n&#8212; Balance limit of RM9,500<\/p>\n<p><\/div><\/div>\n<h2><span class=\"ez-toc-section\" id=\"StashAway-Simple\"><\/span>StashAway Simple<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>StashAway Simple launched last year, marketing itself as a fixed deposit alternative.<\/p>\n<p>Its underlying fund is the AmIncome Fund. Here\u2019s how it performed in the past five years:<br \/>\n\n<table id=\"tablepress-1571\" class=\"tablepress tablepress-id-1571 table-head-side\">\n<tbody class=\"row-hover\">\n<tr class=\"row-1 odd\">\n\t<td class=\"column-1\">Year<\/td><td class=\"column-2\">2016<\/td><td class=\"column-3\">2017<\/td><td class=\"column-4\">2018<\/td><td class=\"column-5\">2019<\/td><td class=\"column-6\">2020<\/td>\n<\/tr>\n<tr class=\"row-2 even\">\n\t<td class=\"column-1\">Return<\/td><td class=\"column-2\">3.18%<\/td><td class=\"column-3\">3.18%<\/td><td class=\"column-4\">3.27%<\/td><td class=\"column-5\">3.58%<\/td><td class=\"column-6\">3.27%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<!-- #tablepress-1571 from cache -->Source: <a href=\"https:\/\/www.aminvest.com\/OurFunds\/UnitTrustFundsPDF\/ProductHighlightSheet\/PHSAmIncome.pdf\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">AmIncome<\/a><\/p>\n<p>The fund has management fee and trustee fee of up to 0.75% and 0.05%. However, the fund passes on a 0.30% rebate to StashAway, which is then passed on to you. After the rebate, the net expense ratio is approximately 0.50%.<\/p>\n<p>With StashAway Simple, it takes three to four business days to process fund withdrawals. This can be inconvenient if you need quick access to cash.<\/p>\n<div class=\"block block--info\"><div><\/p>\n<p>++ Manage both your StashAway Simple funds and StashAway investment portfolios with the same app<\/p>\n<p>&#8212; Withdrawal takes several business days<br \/>\n&#8212; Higher fund management fees compared to other platforms<\/p>\n<p><\/div><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Versa\"><\/span>Versa<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Versa markets itself as a digital cash management platform that offers interest rates on-par with fixed deposits.<\/p>\n<p>Currently, its projected interest rate is between 2.0% and 2.1%, and up to 2.4%. Like GO+, it has a relatively speedy withdrawal processing time of within one business day.<\/p>\n<p>Its underlying fund is the Affin Hwang Enhanced Deposit Fund. Here\u2019s how it performed in the past five years:<br \/>\n\n<table id=\"tablepress-1572\" class=\"tablepress tablepress-id-1572 table-head-side\">\n<tbody class=\"row-hover\">\n<tr class=\"row-1 odd\">\n\t<td class=\"column-1\">Year<\/td><td class=\"column-2\">2016<\/td><td class=\"column-3\">2017<\/td><td class=\"column-4\">2018<\/td><td class=\"column-5\">2019<\/td><td class=\"column-6\">2020<\/td>\n<\/tr>\n<tr class=\"row-2 even\">\n\t<td class=\"column-1\">Return<\/td><td class=\"column-2\">3.74%<\/td><td class=\"column-3\">3.64%<\/td><td class=\"column-4\">3.67%<\/td><td class=\"column-5\">3.57%<\/td><td class=\"column-6\">2.46%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<!-- #tablepress-1572 from cache -->Source: <a href=\"https:\/\/my.morningstar.com\/my\/report\/fund\/performance.aspx?t=0P00008ME1\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">Morningstar<\/a><\/p>\n<p>The fund has a management fee and trustee fee of up to 0.50% and 0.05%. But when you invest through Versa, you\u2019ll only pay 0.30% and 0.05%. This is lower than the underlying fund fees of GO+ and StashAway.<\/p>\n<div class=\"block block--info\"><div><\/p>\n<p>++ Withdrawal within one business day<br \/>\n++ Lower fund management fees compared to other platforms<\/p>\n<p><\/div><\/div>\n<h2><span class=\"ez-toc-section\" id=\"An-alternative-to-conventional-savings\"><\/span>An alternative to conventional savings<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>These platforms may not offer returns that are exciting as say, stocks or cryptocurrency. But they do help you beat inflation and squeeze out more returns from your savings without incurring too much risk, making them a worthy alternative to conventional savings instruments like fixed deposits.<\/p>\n<p><em>This article was originally published in April 2021 and has been updated for freshness, accuracy and comprehensiveness.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>These platforms can potentially deliver more returns than your fixed deposits.<\/p>\n","protected":false},"author":43,"featured_media":47503,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1,218],"tags":[729,726,728,384,727],"class_list":["post-47500","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investment","category-money-management","tag-go","tag-stashaway-simple","tag-touch-n-go-ewallet-go","tag-touch-n-go","tag-versa"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>StashAway Simple, Versa And Touch &#039;n Go eWallet GO+ Cash Management Comparison<\/title>\n<meta name=\"description\" content=\"Want to get more out of your savings? 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