A photo of a man smiling due to Chocolate Finance making higher returns on his savings account.

Making higher returns, you can count on.
It’s nerdy business.

Our financial experts and selected partners have a long and proven track record. A reputation for delivering better returns with lower risk. It’s complicated magic. Let’s tell you how it’s possible.

What we do

We make your money work harder for you.

Start earning returns immediately on your first S$50k.

The moment you put money into your Chocolate Finance account, you’ll start earning returns the very next day on amounts below S$50k.

‍On any amount above S$50k: It will take between 3-5 business days to start seeing your return.

See your returns - Every. Single. Day.

3.6% p.a. on your first S$20K, 3.2% p.a. on your next S$30k and a target 3.2% p.a. on any amount above that.

No hoops to jump through, no penalties.

Even if you withdraw your cash after a week, you’ll get what you have earned up until that moment.

So, will you let your money be idle?

Or will you put it to work with Chocolate?

Download the app

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This is how we
make your money grow

We invest in
bonds globally

Leaving no stone unturned, we seek out, thoroughly test, and select a diversified portfolio of high-performing, short-term investment grade bond funds, spanning across developed and emerging markets. Managing volatility using safe and real assets is key.

Managing duration for increased returns

We’re not limited to money-market, overnight or bank-like assets for our Chocolate Managed Account, which means we have more ways to generate returns. Adding duration to our portfolio and focusing on yield to maturity mean we can generally keep our target returns stable for longer. We continually strive to find the perfect balance between happy returns, low volatility and enhanced liquidity.

We put our money where our mouth is

We only make money when you make money. So naturally, it’s our number one priority to make the returns we’ve targeted for you. Better still, if we don’t deliver the target returns on balances up to S$50k, the difference will be topped up from now until 31 March 2025 or until we reach S$1 billion AUM.
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It’s not only a better way, it’s the right way. Who else does this? Nobody.

What are the risks?

There are no guarantees in life. So, although you currently enjoy a 3.6% p.a. return on your first S$20k, 3.2% p.a. return on your next S$30k and a target 3.2% p.a. on any amount thereafter, we can’t guarantee it. For balances up to S$50k, during the qualifying period, any shortfall between the target return and the actual return will be topped up through the Top-Up Programme. That said, we will always set our target returns at rates we confidently believe are achievable based on the characteristics of the underlying asset portfolios. Scroll to read more about what to expect from amounts above S$50k and whether your money in Chocolate Finance Account is safe from capital losses.

What to expect from

Amounts above S$50k

It will take between 3 - 5 business days to start seeing your return

This is because your money gets invested in a portfolio of funds. It takes 1 - 2 days to confirm the trade, and another 3 or so business days for the transaction to complete. Don’t worry though - your money starts earning returns from trade confirmation though but takes a little longer to reflect in the app.

Note: Amounts below S$50k will see returns the very next day!

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Your daily returns may go up and down in the short term

📈 As markets fluctuates everyday, you may see positive, negative or no returns on a daily basis. Since we invest in short duration bonds, this fluctuation should be relatively low. Don’t worry about this movement, we expect to make the target 3.2% p.a over time - so hang in there! Time in the market is more important than timing the market. Remember, we only make money after you make money.

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Withdrawals take 3 - 10 business days

Withdrawing amounts more than S$20k in any 1 given day will take anywhere from 3 - 10 business days to reach your account. This is because when you choose to withdraw a big amount, we place the order to sell the underlying funds. That order takes 1 to 2 business days to process depending on when you request it and another 3+ business days for the transaction to settle. The final amount you receive may differ from the amount withdrawn as you will be exposed to some market movement between the time you make the withdrawal and the time you get your funds. In other words, you still earn returns (positive/negative) between the withdrawal request date and the processing date, but not between the processing and settlement dates.

You can always choose to withdraw less than S$20k in a day if you need access to your money instantly.

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To bring you the best returns

We work with the best

Dimensional Fund Advisors

Dimensional Fund Advisors is one of the smartest fund managers in the market, applying academic rigour to practical investing within Global Bonds. They manage over $480 billion in assets.

UOB Asset Management

UOB Asset Management has a proven track record of investing into Asian Short Duration Bonds, with an extensive Asian presence to match.

Fullerton Fund Management

Fullerton is a Singapore-headquartered asset manager with capabilities in fixed income, equities, multi-asset and alternatives. It also manages the largest SGD cash fund in the market.

Lion Global Investors

Lion Global Investors is one of Singapore’s leading asset management companies, providing tailored investment solutions. They manage over S$69.2 billion in assets.

Nikko AM

Nikko Asset Management is currently Japan's third largest manager and one of largest asset managers globally with US$229.1 billion under management.

Visa

As a trusted network, Visa facilitates digital payments across more than 200 countries and territories.