Understanding how Chocolate Finance grows & protects your money

At Chocolate Finance, we prioritise your financial well-being by offering a secure and transparent investment experience. Let's delve into how we manage our asset portfolio and the measures we have in place to protect your funds.

We ensure your money works hard for you

At Chocolate, we’re all about making your money work smarter, not harder. Behind the scenes, our team of experts is constantly optimising a carefully curated portfolio of fixed-income funds to deliver stable, consistent returns — without the stress.

Here’s where your money goes - Portfolio of Unit Trusts that are authorised or recognised by the Monetary Authority of Singapore (“MAS”):

• Dimensional Global Short Term Investment Grade Fixed Income Fund (DSF): A portfolio of high-quality, short-duration bonds designed to minimise exposure to interest rate swings.
• UOBAM United SGD Fund (USF): A global short duration investment-grade bond fund focusing on investments in Asia.
• Fullerton Short Term Interest Rate Fund (FST): A mix of short-term debt instruments that prioritise capital preservation and liquidity.
• Lion Global Short Duration Bond Fund (LGF): A fund focused on short-duration bonds, balancing stability with steady returns.
• Nikko AM Shenton Short Term  Bond Fund (NST): A portfolio of bonds, money market instruments, taking into consideration the need for capital preservation.
• Abrdn SICAV I Short Dated Enhanced Income Fund (ASF): A dynamic, active, diversified global fixed income portfolio.
• Dimensional Global Sustainability Short Fixed Income Fund (DSS): To maximise total returns from the universe of debt instruments which are considered to be sustainable investments.

We keep things disciplined, diversified, and optimised—so you don’t have to. Our investment team continuously monitors and adjusts the portfolio, ensuring your spare cash is always working at its best.

Your money is always safe 

We understand that security is paramount when it comes to your money.

Here's how we ensure your funds are protected:

• Segregated custody accounts: Your money is held in segregated, ring-fenced accounts with MAS-licensed institutions, ensuring that your funds are separate from Chocolate Finance's operational accounts.
  
• Regulatory compliance: As a licensed institution, we adhere strictly to Singapore's financial regulations, working closely with the MAS to ensure compliance and the security of your money.
• ‍Advanced security measures: Our platform employs state-of-the-art technology, including Singpass identity verification, two-factor authentication for significant transactions, real-time transaction alerts, vigilant monitoring, and regular audits to safeguard your account.

We’re committed to transparency

We believe in maintaining open communication with our customers. We know recent events, such as the temporary pause of instant withdrawals can be worrying. We want to reassure you all – we are secure and stable and so is your money.

Your Trust is our priority

At Chocolate Finance, your trust is the foundation of our business. We remain committed to managing your money carefully and transparently, ensuring that your financial journey with us is both secure and rewarding.

For more information or assistance, please visit our FAQs or contact our support team.

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