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 seeing returns in less than 24 hours, on your first S$20k.

The moment you put money into your Chocolate Finance account, you’ll see your returns the very next day, on amounts below S$20k.

‍On any amount above S$20k: It will take between 3-5 business days to start seeing your return.

See your returns - Every. Single. Day.

4.5% p.a. on your first S$20K and a target 3.5% 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?

Join the waitlist for exclusive early access. Or, if you have a friend who already has an account, ask them to refer you!

Or, if you have a friend who already has an account, ask them to refer you!

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 below S$20k, from now until 31st December 2024 or until we reach S$500 million AUM, the difference will be topped up on balances up to S$20k.

It’s not only a better way, it’s the right way. Who else does this? Nobody.

There are no guarantees in life. So, although you currently enjoy a 4.5% p.a. return on your first S$20k, we can’t guarantee it. 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.

What to expect from

Amounts above S$20k

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 but takes a little longer to reflect in the app.

Note: Amounts below S$20k 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 fluctuate 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 3.5% 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 - 7 business days

Withdrawing amounts more than S$20k in any 1 given day will take anywhere from 3 - 7 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.

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.

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.

Visa

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

You asked, we answered

Can't find your question?
View all our FAQ’s, chat with us on WhatsApp, or email us via: hello@chocolatefinance.com

What is Chocolate Finance?

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Are you covered by the SDIC Singapore Deposit Insurance Corporation, for up to S$75,000?

How does Chocolate Finance generate these great returns?

Is Chocolate Finance legitimate and regulated by the MAS?

As there are no fees, how does Chocolate finance make money?

Is Chocolate Finance a good way to make money?

What is the Chocolate Finance waitlist?

Is Chocolate Finance a bank?

Get exclusive early access

Have a friend who already has an account? Ask them to refer you!

Download the app

Easy sign-up using Singpass

Top up and get started

Download the app

Scan to download

Photo of Chocolate Finance's App in a mobile phone where customers can see their daily returns on their savings.

3% p.a. return

On your first S$20,000.

Full-on security

Security is our top priority.

Chocolate Finance is a brand of Chocfin Pte Ltd (UEN 202347190R). Chocfin Pte Ltd is licensed by the Monetary Authority of Singapore (CMS101452) to perform fund management activities. All investments involve risk. The 4.2% p.a. return is subject to change based on market conditions, with Chocolate top-up support offered as an incentive during the Qualifying Period, and it does not constitute a guarantee of return or capital. Terms and conditions apply.

This website was prepared without regard to your specific investment objectives, financial situation, accounting or tax needs and does not constitute advice. Before applying you should consider carefully whether the product/service is suitable for you. This advertisement has not been reviewed by the Monetary Authority of Singapore.

All views expressed are opinions of Chocolate Finance and are subject to change based on market and other conditions without notice or obligation. These opinions are not intended to be a forecast of future events, a guarantee of future results or investment advice. The mention of any individual securities should neither constitute nor be construed as a recommendation to purchase or sell investments, and the information provided regarding such individual investments is not intended to be used to form any basis upon which an investment decision is to be made. Any statistics have been obtained from sources Chocolate Finance believed to be reliable but the accuracy and completeness of the information cannot be guaranteed. Past performance is not indicative of future results.

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

We make your money work harder for you.

Or will you put it to work with Chocolate?

This is how we make your money grow

We invest in bonds globally

Managing duration for increased returns

We put our money where our mouth is

Amounts above S$20k

We work with the best

You asked, we answered

Get exclusive early access

It only takes minutes.

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

This is how we
make your money grow

We invest in
bonds globally