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[ShopeePay] Money+ Returns and Performance

1. Where can I track my daily earnings?

You can view your returns here:

Step 1: Click on Money+

Step 2: Click on Balance Details

Step 3: Click on Returns

2. Will I still earn returns on weekends and public holidays?

Yes. Your money earns returns every day, including weekends and public holidays.

While earnings accrue daily, they are only processed and reflected on business days. Any returns accumulated over the weekend or a holiday will be reflected in your balance on the next business day.

3. How does withdrawing before the 2:00 PM cutoff affect my daily returns, especially around weekends or public holidays?

Daily returns are calculated based on the change in Net Asset Value (NAV) between business days, using your account balance as at the 2:00 PM cutoff on each business day.

Daily returns for non-business days (Saturdays, Sundays, and public holidays) are not calculated separately. They are combined with the next business day and reflected together, based on your balance at that day's 2:00 PM cutoff
If you withdraw before 2:00 PM on a business day, the return for that day (including any preceding non-business days) will be based on your balance at the cutoff, not the balance you held earlier

If you plan to withdraw funds, doing so after 2:00 PM will help ensure returns for any preceding non-business days are calculated based on the balance held during that period.

Money+ returns are calculated based on your eligible account balance as at the 2:00 PM cut-off on each business day. The fund return is determined based on the change in the fund’s Net Asset Value (NAV) between business days, while any applicable bonus return is calculated according to the prevailing bonus terms.

If you withdraw funds before 2:00 PM on a business day, your balance after the withdrawal will be used to calculate the return for that business day.
If you withdraw funds after 2:00 PM on a business day, the withdrawal will not affect the balance used for that business day’s return calculation and will instead be reflected in the calculation for the next applicable business day.
For non-business days (Saturdays, Sundays and public holidays), returns are not separately reflected on these days. Any applicable returns relating to the non-trading period will be reflected together on the next business day, based on the eligible balance as at that business day’s 2:00 PM cut-off.

Example – Normal business day:
You have RM10,000 on Tuesday. If you withdraw RM8,000 before 2:00 PM on Wednesday, your Wednesday return will be based on the remaining RM2,000. If you withdraw RM8,000 after 2:00 PM on Wednesday, your Wednesday return will be based on the remaining RM10,000.

Example – After a weekend/public holiday:
You have RM10,000 on Friday and keep it over the weekend. If you withdraw RM8,000 on Sunday, which is before 2:00 PM on Monday, the returns reflected on Monday will be based on the remaining RM2,000 at the Monday cut-off. If you withdraw RM8,000 after 2:00 PM on Monday, the returns reflected on Monday will be based on the remaining RM10,000 at the Monday cut-off.

4. Why does my daily return show as RM0?

Fund returns are displayed daily (Business Days) - you may see returns as RM0 on your dashboard for the following reasons:

Low Money+ Balance: When returns are distributed based on a low Money+ Balance, the daily return may display as RM0.0000.
Rounding Logic: NAV Prices are rounded to 4 decimal places in our systems, which are subsequently used to calculate the Daily return amount. If the NAV movement on a particular day is smaller than RM0.0001, the daily return may appear as RM0.

Note: The scenario above may occur regardless of your Money+ balance. Rest assured, your money is still growing.

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