Cash Plus FAQs
This article provides quick answers to common questions about Cash Plus.
1. What makes Cash Plus stand out?
- Trade freely: There are no restrictions on stock trading, so you won't miss market opportunities. (Idle funds can earn potential returns while remaining available for trading (available in real-time for trading, T+1 for withdrawal).)
- Gain returns: Cash Plus provides idle funds with potential value growth. Cash management doesn’t stop even during market holidays. (It utilizes professional wealth management capabilities to select high-quality investment instruments.)
- Once and for all: One-time agreement signing enables automatic subscriptions, no manual operations required.
- Money market fund–based: Cash Plus primarily invests in money market funds with low risk and volatility.*
- Lower threshold: It features a low minimum investment requirement, no upper limit per account.
2. Can I manually redeem funds in Cash Plus?
Yes, Cash Plus supports manual redemption. You may submit redemption requests at any time on the Cash Plus page. If the request is submitted before 9:10 am on a trading day (T-Day), redeemed funds will not be automatically reinvested into Cash Plus within 3 calendar days. If the request is submitted after 9:10 am on T-Day, redeemed funds will not be automatically reinvested until T+3. After the redeemed funds arrive, they can be immediately used for stock trading, IPO subscriptions, currency exchange, or withdrawals. The redeemed funds will arrive in your account by T+1. Additionally, Cash Plus can automatically subscribe or redeem based on your securities account balance:
- Automatic subscription: It only needs to be set up once. After successful setup, idle funds in your securities account will be automatically used to purchase the corresponding money market fund in Cash Plus at a designated time each day, with no subscription fees.
- Automatic redemption: Cash Plus can be used directly for stock trading. After the daily settlement, the system will automatically redeem the necessary amount from your Cash Plus money market fund holdings to cover any shortfall in your securities account, with no redemption fees.
3. Can I use Cash Plus for currency exchange and withdrawal?
When you submit a withdrawal request, the system will automatically redeem the corresponding amount from your Cash Plus money market fund holdings. It usually takes 2 trading days for the funds to arrive in your account, after which the withdrawal will be processed according to the standard timeline. If you wish to use the funds in Cash Plus for currency exchange or loan repayment, you will need to manually redeem the appropriate currency from your Cash Plus holdings. After the redeemed funds arrive, you can proceed with currency exchange or repayment.
4. Can I use Cash Plus for IPO subscription?
Longbridge Securities may support using Cash Plus for IPO subscriptions in certain cases. However, if your subscription request is submitted after 9:30 am on the trading day before the IPO subscription deadline, this option may be restricted, as redeemed funds might not arrive in time. To avoid missing IPO subscription opportunities, we recommend that you confirm with customer service and complete your IPO subscription as early as possible.
5. Can I use Cash Plus to cover position transfer fees?
Cash Plus currently cannot be used to pay position transfer fees. If transfer fees are incurred while all funds are held in Cash Plus, the fees will be paid through financing. You can view the applicable financing interest rates under Me > My Rates.
6. How are returns calculated?
For the old version of Cash Plus, cash transferred in before 9:10 am on HK trading day will have the unit confirmed on the same day, and the returns will be viewable on the next trading day. Transfers made after 9:10 am will be delayed by one trading day.
For the new version of Cash Plus, cash transferred in before 8:30 am on HK trading day will have the unit confirmed on the same day, and the returns will be viewable on the next trading day. Transfers made after 8:30 am will be delayed by one trading day.
Example using the new version of Cash Plus:
Scenario 1: The transfer-in request is made at 8:00 am on Monday. The unit will be confirmed on Monday, and the returns will be viewable on Tuesday.
Scenario 2: The transfer-in request is made at 3:30 pm on Monday. The unit will be confirmed on Tuesday, and the returns will be viewable on Wednesday.
The new version is gradually being rolled out. If there are multiple fund options under a single currency, it indicates that you are already using the new version of Cash Plus.
7. How long will it take for the money to arrive after closing Cash Plus service?
If funds have been transferred to Cash Plus but are not yet confirmed, or if you hold Cash Plus units, manually closing the service will trigger an automatic redemption on the next trading day. The redeemed funds will arrive in your account by T+1.
*Investment involves risks. Investors should carefully read the fund information and related documents (including risk factors). The price of fund products may rise or fall and may fluctuate significantly over a short period of time. Investors may not be able to recover the amount invested in the fund. Past performance is not indicative of future results.
Disclosures
This article is for reference only and does not constitute any investment advice.
Office hours of HK Hotline and Whatsapp: 9:00 - 18:00 * (GMT+8) on trading days
Office hours of Global Hotline: Trading days 24 hours; Non-trading days 9:00 - 18:00 * (GMT+8)
Outside of the above service hours, if you have any questions, please contact our online customer service.
Office hours of online customer service:
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The content and materials published here on this website is for general information only and should not be regarded or deemed to be an offer, invitation, or solicitation, recommendation or advice to buy, sell, subscribe or dispose of any investment products or financial services. It does not take into account the specific personal circumstances, investment objectives, financial situation or particular needs of a person and may be subject to change without notice.
Please consult your financial or other professional advisers if you are unsure about the information contained herein. Investments involve risks. Be aware that investments may increase or decrease in value and that past performance is no guarantee of future returns, you may not get back the amount originally invested. You should not make any investment decision based on this content alone.