Mari Invest SavePlus Review (2025) – Beragampengetahuan

MariBank customers moved over $1 billion into Mari Invest SavePlus in just two years. If you’ve seen it in your app, you’re probably wondering if it’s worth using.

I’ve been using it with 5 figures since 2024. Here’s what you need to know about the instant withdrawal feature and whether it works for emergency funds.

(Last updated Oct 2025)

Key Takeaways → Mari Invest SavePlus bridges the gap between bank accounts (instant access, lower yield) and cash management funds (better yield, few business days for withdrawal). If you need instant access to emergency funds up to $10k/day while earning better than bank rates, it works perfectly. If you can’t accept any negative days or need instant access to larger amounts, stick with bank savings.

Product Basics

Mari Invest is MariBank’s investment account.

The first product available via Mari Invest is Mari Invest SavePlus (Lion-MariBank SavePlus Fund).

It’s co-branded by Lion Global Investors and MariBank. Lion Global manages the fund, MariBank distributes it exclusively to their customers through the app.

The fund aims to:

• Provide enhanced yield over Singapore Dollar bank deposits
• Safety of capital (keeps overall portfolio risk low)
• Maintains high level of liquidity

How it invests:

The fund puts money into an actively managed portfolio of debt instruments, short-term money market instruments, and other collective investment schemes.

The fund launched on 4 July 2023, making it more than two years old as of writing.

The Growth Story

When I first reviewed Mari Invest SavePlus in September 2023, the fund size was $10.2 million.

• By October 2023: $44 million
• By November 2023: $78 million
• By February 2024: $200 million
• By May 2024: $468 million
• As of 31 Oct 2025, the fund manages more than $1 billion

That’s explosive growth in under two years. Why did it grow so fast?

The reasons were obvious to me.

The instant withdrawal feature (up to $10k/day) combined with better yields than bank savings accounts. MariBank customers who weren’t satisfied with their savings account rates moved money into Mari Invest.

The seamless integration within the MariBank app made it frictionless. No need to open accounts on other platforms.

The NAV has also grown steadily since launch ($1) to $1.0749 as of 31 Oct 2025.

Returns & Performance

This is an actively managed fund benchmarked against the MAS 3-Month Bill (MASB3M Index).

The manager has discretion to pick investments to generate returns comparable to SGD short-term deposits.

Current yield fluctuates with market rates. Check the MariBank app or Lion Global’s fund page for the latest.

Historically, Mari Invest SavePlus has yielded better than bank savings accounts. That’s the whole point – you’re potentially earning more than leaving cash idle while maintaining reasonable liquidity.

The fund tracks the 3-month MAS Bill benchmark. When MAS rates move, Mari Invest’s yield moves accordingly.

This is an accumulating fund. It doesn’t pay dividends. Returns show up in the NAV price instead.

No transaction fees. No upfront fees. No sales charges.

The 0.25% management fee is already factored into the daily unit price you see in the app.

Risk & Safety

This is an actively managed fund, so holdings change over time.

To see current holdings, check the fund documents. As of writing, it consists mostly of bond funds and MAS Bills.

Average credit rating is AA-, meaning “an obligor has very strong capacity to meet its financial commitments. It differs from the highest-rated obligors only to a small degree.”

Entries listed as MAS BILL (SER XX) ZCP dd/mm/yyyy are Singapore Government Treasury Bills issued by MAS. These are zero-coupon bonds – you buy at a discount and receive full face value at maturity. MAS Bills are backed by the Singapore government, making them one of the safest investments available.

Can you lose money?

Yes. This is NOT a bank deposit, so there’s no SDIC coverage.

I’ve tracked negative days since launch using historical NAV prices. As of writing, 8 negative days total.

Worst loss: 0.02 cents per dollar. Most negative days: 0.01 cents or less.

That’s negligible for a cash management product.

The fund is genuinely safe. Majority holdings are government-backed MAS Bills. The rest are high-quality, short-duration instruments.

I’m comfortable with 5 figures in Mari Invest SavePlus from a safety perspective. It’s not the same as a bank account, but the actual risk is very low given the conservative holdings.

The Killer Feature: Instant Withdrawal

This is what makes Mari Invest SavePlus different from other cash funds.

Withdraw up to $10,000 per calendar day – money hits your MariBank account instantly.

I’ve used it so often I don’t even track anymore. It just works every single time. Last weekend, I made a $9,000 withdrawal on a Sunday afternoon because I needed to help my mom with an adhoc payment. I received the amount in my Mari Savings Account immediately.

For amounts above $10,000, you’ll usually get the proceeds by T+3.

This makes it viable for emergency fund allocation. Not the entire emergency fund (you might need more than $10k instantly), but the portion you’re comfortable with slower settlement for larger amounts.

Access & Costs

You need a MariBank account to access Mari Invest.

Minimum investment is $1. No maximum.

Transfers between your MariBank savings account and Mari Invest SavePlus are instant within the app, but buy orders will usually complete within T+3 days.

Management fee: 0.25% per year.

On $10,000, that’s $25 annually or about $2/month. On $100,000, that’s $250 annually or about $21/month.

No platform fees, no entry fees, no exit fees, no transaction fees.

How to Use It

Open a MariBank account if you don’t have one. Use my referral code 6RCP85LA for a cash reward.

Once your MariBank account is active, Mari Invest appears as an option in the app.

Navigate to the Mari Invest page and you’ll see Lion-MariBank SavePlus.

Tap to view fund details – current yield (past 4-week return), composition, performance.

To invest, tap “Buy” and enter the amount. Money transfers instantly from your savings account into Mari Invest SavePlus for the purchase to be executed.

To withdraw, go to your Mari Invest SavePlus holdings and tap “Sell”. Enter the amount. Up to $10k hits your savings account immediately. Above $10k processes within a few business days.

The interface is straightforward. If you’re comfortable using the MariBank app for banking, Mari Invest SavePlus is just another section – frictionless.

Alternatives

Mari Invest SavePlus sits between bank accounts (instant access, low yield) and traditional cash funds (better yield, slower access). Here’s how it compares.

Bank Savings Accounts

• Withdrawal: Instant for any amount
• Yield: Typically lowest
• Safety: SDIC covered up to $100k
• Fees: $0

Pick bank savings if you need instant access to large amounts (more than $10k regularly) or have zero tolerance for any capital fluctuation.

Fullerton SGD Cash Fund (via Endowus)

• Withdrawal: Within T+3
• Fee: 0.24% (0.15% platform + 0.09% fund fee after rebate)
• Fund Size: $10B+
• Track Record: 15+ years, only 2 negative days since 2009

Pick Fullerton if you want maximum safety with proven history, and you’re okay with T+3 settlement. See my Fullerton complete guide for details.

Trust Cash+ (abrdn Money Market Fund)

• Withdrawal: Within T+3
• Fee: 0.30% before rebate (0.20% after rebate until Dec 2025)
• Fund Size: $69M
• Track Record: Launched Oct 2024

Pick Trust Cash+ if you’re all-in on Trust ecosystem and genuinely hate managing multiple apps. See my Trust Cash+ review for details.

Singapore Savings Bonds

• Withdrawal: Up to 1 month
• Fee: $0
• Yield: Locked rates for 10 years
• Safety: Government-backed, zero risk

Pick SSB for money you likely don’t need for years and want to lock in rates.

My Take

I use both Trust Bank (for side-hustle banking) and MariBank (for personal banking). I also hold Fullerton SGD Cash Fund via Endowus, since I’m using it for CPF and Fixed Income investments.

When I first reviewed Mari Invest SavePlus, I wasn’t convinced. Now I use it for my emergency fund. What changed my mind?

Emergency funds have different liquidity tiers. Some money needs instant access. Some can wait 1-2 days. Some can wait 1 month (like SSB).

Mari Invest SavePlus bridges instant liquidity and short-wait cash funds. Up to $10k/day instant is enough for most adhoc needs and small emergencies. Above that, T+3 is acceptable for me.

The 8 days of negative returns don’t worry me at all. Worst loss was 0.02 cents per dollar – negligible. The fund is significantly invested in MAS Bills. It’s as safe as cash management products get without SDIC coverage.

Within similar yields and fees for Trust Cash+ and Fullerton SGD Cash Fund, honestly it didn’t matter to me if I was leaving my money in any of the three options.

The deciding factor was Mari Invest SavePlus’ $10k daily instant withdrawal that made it particularly suitable for emergency funds.

Who is Mari Invest SavePlus for?

• MariBank customers who want better yield than savings account
• Emergency fund allocation where $10k instant and T+3 for larger amounts works
• People comfortable with occasional minor negative days (not zero-risk)
• Those who value instant liquidity over marginal fee differences

Who should skip it?

• Need instant access to amounts larger than $10k regularly (use banks)
• Zero tolerance for any capital fluctuation (use banks or Singapore Savings Bonds)
• Not a MariBank customer and don’t want to open account (use others)
• Want maximum safety with longest track record (use Fullerton SGD Cash Fund)

For me, the instant withdrawal feature up to $10k/day makes Mari Invest SavePlus the best option for emergency fund allocation. It sits right between bank accounts (instant but low yield) and cash funds (better yield but slower access).

This isn’t financial advice. Evaluate your circumstances, read the fund prospectus, understand the risks, and decide for yourself.

Understanding Fund Transaction Timelines (T+3)

When you buy or sell funds, transactions follow a T+3 settlement timeline.

What does T+3 mean?

• T = Transaction day (the day you submit your buy/sell order)
• T+3 = Three business days after your transaction day
• For sell orders, your money should hit your bank account by T+3
• For buy orders, your transaction should complete and reflect by T+3

Important: Only business/trading days count. Weekends and public holidays are excluded from the count.

Why I use T+3 as the standard

Different platforms and funds have different cut-off times. Instead of tracking each platform’s specific cut-off and settlement timeline, I rely on a safer T+3 timeline that covers all scenarios. In practice, many transactions complete faster (often T+1 or T+2), but T+3 is the safest assumption for planning purposes so you won’t be caught short if you need the money by a specific date.

Examples

• Sell on Monday → Money in account by Thursday
• Sell on Thursday → Money in account by Tuesday (next week, skipping weekend)

Exceptions

In rare cases, transactions may be delayed due to NAV pricing issues or other processing complications. The T+3 timeline assumes normal market conditions.

Resources

Official product information:

Related reviews:

Kevin started beragampengetahuan after hitting rock bottom at negative $25,755 net worth. Today, his investments and side hustles cover his expenses and travels. He shares what actually works (and what doesn’t) for Singaporeans building wealth. Learn more about Kevin here.