It can be hard to find safe places to park your cash and achieve a decent return on your savings. This is why MaiMoney built our cash management account as a hub for all your money. 

In summary, MaiMoney’s MaiCash+ lets you earn more on your savings with a projected return of 4.8% per annum on all amounts transferred. 

How MaiCash+ is built 

The MaiCash+ portfolio is constructed using funds from Viet Tin Capital’s investors, one of the longest standing asset managers in Vietnam, and is regulated by the State Securities Commission. 

Here’s what the portfolio holds: 

• Supply chain financing to Samsung’s vendors  

• Deposits with financial institutions  

The assets that the portfolio holds are short-term and low-risk financial assets. The fund allocation has been carefully managed to optimize returns while balancing these risks. 

Is MaiCash+ safe? 

MaiCash+ is a diversified investment portfolio of money market and short duration fixed income assets that are considered low risk. 

The base interest rate for most bank savings accounts in Vietnam is typically 0.2% p.a. while projected return for MaiCash+ is 4.8% p.a. It all comes down to what you want to achieve with your spare cash and savings. If you are comfortable with incremental risk and want a product that can earn you higher returns, MaiCash+ may be a worthwhile portfolio for you to consider. 

The low minimum investment amount of 1000 VND and no lockups mean you can make unlimited fund transfers and withdrawals in the way that works best for you, at no cost. 

MaiCash+ also provides daily accrual of returns, unlike savings accounts and fixed deposits. Savings accounts pay out interest monthly while fixed deposits typically make interest payments quarterly or annually. 

The benefit of your returns being accrued daily is that you can see your investments grow everyday as your returns are automatically reflected in your MaiCash+ portfolio value. As you continue to invest with MaiCash+, you can let your returns compound to grow your cash more quickly. 

Opening a MaiCash+ portfolio 

Anyone above the age of 18 can open a MaiCash+ portfolio. Simply sign-up here to get started. 

If you’re an existing MaiMoney customer, simply log into your account and click on "Invest" to create your MaiCash+ portfolio. You can transfer funds either from your bank account, or by moving funds from your MaiMoney wallet into MaiCash+.