"Cash Account" is an online cash management service offered by FSMOne which facilitates the online transactions for all investment products.

Currently, we offer 8 different currency Cash Accounts - MYR, AUD, HKD, CNY, EUR, GBP, SGD and USD in our platform. As long as you have an investment account with FSMOne, this account will automatically be enabled for you.

1. Cut down on transaction time when you buy and sell mutual funds via the Cash Account;

2. No minimum balance is required and there is no lock-in period;

3. No monthly charges;

4. View your balance online anytime;

5. Deposit and withdraw money anytime; and

6. Earn higher interest rates

FSMOne consolidates the monies deposited by all investors in the cash account and deposits it with a licensed bank in Malaysia. As long as there are sufficient funds in your Cash Account, the funds can be used to pay for all of your investment product purchases immediately.

You can also earn interest on monies deposited in your Cash Account, be it the proceeds from the sale of your investment holdings, or monies that you leave in your Cash Account before you make your next purchase.

Please refer on the interest rate of cash account for respective currencies as below:

Remarks:

The interest will be calculated daily and paid monthly into Cash Account.

The minimum deposit amount is 100.00 for each cash account currency.

FX conversion allows you to perform real time conversion from any MYR currency to the preferred currency.

Currently we have 7 different currencies i.e. AUD, CNY, EUR, GBP, HKD, SGD and USD for conversion. You may perform the conversion to the respective currency to make payment for your investment in our platform.

You may login into your investment account and click on Cash Solution >> Quick Action >> FX Conversion.

Auto-Sweep is a discretionary portfolio managed by FSMOne. This portfolio aims to produce a return higher than FSMOne Multi-Currency Cash account while maintaining a high degree of liquidity and capital preservation. The discretionary portfolio is diversified across cash, money market funds and short duration bond funds.

Due to the nature of the investments, the investments will be held under Maybank's custody. Therefore, we will need to register an account for you with Maybank Custody.

In the event the account registration is not successful for any reason, we will notify you to withdraw the investment with a provided timeline. Any losses incurred from the withdrawal will be borne by the investor.

• Low starting point from just USD 10, SGD 10 or MYR 100.
• No historical negative return for the underlying assets.
• Use it as a payment method to invest in Funds, Bonds, Stocks, ETFs, and Managed Portfolios without any delays.
• No lock-in period.
• Enjoy potentially higher yield.
• Same day withdrawal before 10 am on a business day.

We currently offer Auto Sweep in USD and SGD currencies.

Regardless of the currency, the available balance in the Auto-Sweep will reflect immediately.

No, FSMOne Auto-Sweep is not protected by PIDM. However, we ensure the safety of your investments by carefully allocating them to very low-risk assets. Your assets are securely held with Maybank Custodian, fully separated from FSMOne’s own assets, ensuring we cannot access or use them without authorization.

• NO sales charge incurred upon buying or selling your holdings in Auto-Sweep Account.
• NOT subjected to FSMOne platform fee.
• Subjected to management fee of 0.05% per quarter.

The management fee will calculated by daily basis on the average AUM of portfolio and deducted on a quarterly basis from your Auto-Sweep account.

The latest net yield shown for respective currency Auto-Sweep reflects the management fee deducted quarterly.

For more information of the respective currency Auto-Sweep product summary, please click HERE.