Moneybull Review: Earn Up to 5.2% with Webull SG New Wealth Management Tool Good?
Last Updated on 2 years ago by Antony C.
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Webull Singapore offers you to earn higher yield on your idle cash by investing your idle cash on Moneybull, a low-risk cash funds are effectively mutual funds that grow your money automatically with little to no effort on your part.
3.50%
p.a. (Approx.)
$1,750
Est. earning over 1 year at $50,000
- $1 Min.
- No Lock-in
- No Redemption Fee
- No Subscription Fee
Minimum investment: $0
Stock/ETF Commission Fees: $0 & 0.025% thereafter for US, 0.03% for HK, 0.025% for SG
Options Fees: $0.55 Per Contract
Markets: United States, Hong Kong and Singapore
Suitable For: Beginner and Experience investors or trader looking to invest both locally and internationally.
With the latest promotion it offers 5.2% interest for a limited time frame.
Regardless, cash funds have an historical returns of approx. 2.5% to 5.5%, thus if we visualize the difference between your return on CPF vs putting money into your cash fund account at 4.5% return, here is a simple graph when you place $10,000 into your account.
What is Moneybull Cash Management Account?
Moneybull is a Cash Management Account (CMA) that is offered by Webull Singapore, a low-cost online broker that offers easy access to international stock market for both new and experienced investors.
High liquidity, low barrier to entry and automatically investing your idle cash, Moneybull is a wealth management tool in Singapore that let investors automatically your idle funds without much effort.
How Does Moneybull from Webull Singapore Work?
Moneybull aims to preserve your capital, grow your idle cash while maintaining liquidity.
A wealth management tools that helps you to easily invest in different money market fund, that are effectively mutual funds that invest in short-term debt securities and government bonds that helps earn a yield on idle cash.
What Does Moneybull Invest In?
As of the day when I write this article, Moneybull offers two cash funds options funds for investors to choose form:
- Fullerton USD Cash Fund A that offers a 7-day annualized yield of 4.00% to 5.50%
- Fullerton SGD Cash Fund A that offers a 7-day annualized yield of 3.00% to 5.00%
Since the 7-day annualized yield flatulates from day to day, you can check out today’s interest return here.
The reason why each fund gives a different yield is because of it’s underlying portfolio which the fund consist of.
And for a better idea in what each fund looks like here are the top holdings breakdowns.
Fullerton USD Cash A Break Down
Fullerton USD Cash A have a top 10 holding that consist of fund from various international banks, financial institutes and companies such as from Canada, Hong Kong, France, Europe, Japan, Germany, Malaysia and Saudi Arabia.
Traded in USD, you will need to convert your currency into USD to buy this fund.
Fullerton SGD Cash A Break Down
Fullerton SGD Cash A have a top 10 holding that consist of fund from various international banks, financial institutes and companies such as from Germany, Qatar, Japan, Saudi Arabia, Hong Kong and Singapore.
Traded in SGD, you will can directly invest your Singapore Dollar into this fund without much hassle.
What is The Interest Rate on Moneybull?
Interest rate for any type of money market funds varies, determined by many factors such as the underlying cash funds, the current macro and micro environment, the expense ratio of the fund itself.
Today, the 7-day annualized yield, is approx. 5.4% return for your idle cash, this rate of return is much higher than your saving account of approx. 0.05% to 1% or other form of low risk investment such as fixed deposits of approx. 1.5% or Singapore Savings Bonds of approx. 2% or CPF of 2.5%.
Fullerton USD Cash Fund A and Fullerton SGD Cash Fund A are both great funds to grow your idle cash without any extra effort. However, you should always remember that past performance is not an indication of future performance.
MoneyBull Promotion
WeBull SG’s MoneyBull is always running some form of promotion to welcome new customers and offers various perks for current customers (like me) to help us in our investing journey.
Eligibility Criteria
- Campaign is applicable to members of the public (the “Participants”) who have received Webull’s promotional push notification, email, pop-up, and other in-app advertisements to participate in this campaign.*
- Webull employees, representatives and agents are not eligible for this Campaign.*
For this campaign you must take note on the amount you need to subscribe + the time you need to be subscribed to get the full reward.
- Participants must subscribe to USD2,000 or more via Moneybull during the Campaign Period to be eligible. And USD100,000 or more for the full reward.*
- To receive USD80 worth of cash vouchers: Participants must maintain a daily Net Cumulative Deposit of ≥ 0 for a holding period that starts from the date the first Moneybull subscription worth USD2,000 or more is settled and ends on 29/02/2024 at 23:59 SGT.*
- To receive USD2,920 worth of cash vouchers: Participants must maintain a daily Net Cumulative Deposit of ≥ 0 for a holding period that starts from the date the first Moneybull subscription worth USD100,000 or more is settled and ends on 30/04/2024 at 23:59 SGT.*
Note: Net Cumulative Deposit = Accumulated deposit amount – Accumulated withdrawal amount. Capital gains and losses are excluded.*
- $0 commission free for US stocks, ETFs, and options. (Subject to changes)
- Low commission fee for US and HK stocks, ETFs, mutual funds and options.
Webull Promo: Low Commission + Free Stock
For all other promotions with WeBull SG, you can check out my other article:
Note: All information are taken from the Webull SG website and their T&C, while I’ve ensure accuracy of the information to the best of my capabilities, do check their website for more information.
What are The Benefits of Moneybull?
1. Simple Way to Earn High Yield on Your Spare Cash
With a few simple clicks you can start growing your spare cash at a rate up to 4.52%. If you are lazy investor like me, this is probably one of the best ways to earn a high yield on your uninvested idle cash.
2. Low Fees to No Fees
Fees are often the worst enemy of investing, and Moneybull offers one of the lowest fees solution to grow your spare cash, helping you grow your wealth faster.
As of writing, Moneybull current offer investors to enjoy $0 fees.
3. Low Entry With Low Minimal Deposit
With as low as $1, you can start subscribing to any of the cash funds and grow your money automatically.
This makes the barrier of entry very low, and together with low fees, you can putting your money in the fund as and when you like without worrying about the fees that may eat into your return.
4. Flexible And Quick Redemption or Withdrawal
Flexibility is a big one especially for investors like us.
As quoted from the Webull website “The funds from your Moneybull position will be auto-redeemed when you do not have sufficient cash to settle your trades.”
With Moneybull, it automatically let you use 99% of your cash in the Moneybull account as your buying power to buy stocks, ETFs, options and other mutual funds without you needing to manually withdraw the fund.
5. Dollar-Cost Average
Webull offers dollar-cost-averaging for buying stocks or other securities, and the same goes for their cash management account, Moneybull as well.
Moneybull offers investors the option to automatically subscribe to a set about to be placed into the funds using the Regular Saving Plan (RSP) option.
What are The Risk of Putting Your Money With Moneybull?
1. No Guaranteed Interest
Like all investment cash management account do not offer guaranteed interest. The interest you get from the fund depends on the performance of each of the underlying assets.
However, in the current high interest rate environment, Moneybull offers a relatively high yield which you should take advantage of if you have some spare cash lying around.
2. Limited Funds To Choose From
Offering only two different money market fund, Moneybull do not have a lot of options for investors to choose from.
Now, you can either choose to invest using SGD or USD, but if you are looking to put in other form of currency, Moneybull do not have the option for you yet.
Is Moneybull Wealth Management Tool Worth It?
Moneybull is a great way for investors who are thinking of opening a Webull Account or have an Webull account to park their idle cash in an account that help them earn interest, maintaining liquidity and low risk.
- Low cost (no cost) way to grow your uninvested cash.
- Low minimal deposit ($1) to get started.
- High yield with little to no effort on your part.
- Enjoy low platform fees and commission fee for trading stocks and ETFs.
- Access to fractional share trading with Webull trading account.
- Claim up to SGD$280 Worth of Free Shares + Trading Vouchers when you sign up a new account here.
- $0 commission free for US,HK & A-Share stocks, ETFs, and options.
- Low commission fee for SG stocks, ETFs, mutual funds and options.
Webull Promo: Low Commission + Free Stock
What Will I Do As An Investor?
As an investor that have been investing in both the local and international stock market, I think parking your uninvested cash in an account that offers high level of liquidity and high interest is a great way to wait for investing opportunity.
Investors are often give 3 actions in allocating their money.
- To buy
- To sell
- To wait
And for these 3 actions, “to wait” is often the right choice.
With Moneybull we are able to grow our money while we wait for an investment opportunity, making us a better investor and preventing us from doing the wrong things at the wrong time.
Personally, I think opening a Moneybull account and depositing my idle cash is a right choice.
How Do You Signup for Moneybull To Get Higher Interest?
Signing up is easy, it’ll only take you less than 5 minutes:
- Open your Webull Singapore App and click on the “Wealth” icon.
- Choose your “Cash Funds” to invest; Fullerton USD Cash Fund A or Fullerton SGD Cash Fund A.
- Click on the “Trade” button to subscribe for the fund. (You maybe asked to do a assessment to determine your eligibility)
- Enter the amount you want to subscribe. (min. $1)
- Click “OK” and you’ve subscribe the funds.
3.50%
p.a. (Approx.)
$1,750
Est. earning over 1 year at $50,000
- $1 Min.
- No Lock-in
- No Redemption Fee
- No Subscription Fee
BEST FOR: General Investors and Traders Looking to Invest Internationally in SG, US, HK and China stock market.
securely through Webull’s website
Disclaimer: All views expressed in the article are independent opinion of the author, based on my own trading and investing experience. Neither Webull Singapore or its affiliates shall be liable for the content of the information provided. This advertisement has not been reviewed by the Monetary Authority of Singapore.
* T&C Applies
We’re supported by readers who buy via links on our site. While this may influence which products we write, it will not influence our opinions and evaluation. Learn more.
Frequently Asked Questions (FAQ) for Moneybull
Disclaimer: All views expressed in the article are independent opinion of the author, based on my own trading and investing experience. Neither Webull Singapore or its affiliates shall be liable for the content of the information provided. This advertisement has not been reviewed by the Monetary Authority of Singapore.
* T&C Applies
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Antony C. is a Singaporean dividend investor focused on building passive income through REITs, ETFs, and Dividend Stocks. With 15+ years of experience investing in Singapore, Hong Kong, and China markets, he founded IncomeBuddies.com to share practical wealth-building strategies tested in his own portfolio since 2008. His expertise has been featured in Yahoo Finance, Nasdaq, and NFAA, and he’s the published book author of "Start Small, Dream Big".