No harm done leaving it in a bank account. Emergency money is cash that you want readily accessible. Withdrawal from bank account can be instantaneous, compared to a few working days for cash management solutions (since they're typically invested in underlying funds and it takes time to execute sell orders).
I wouldn't recommend it. As you've said, cash management accounts like Syfe Cash+ are not capital guaranteed. In times of real emergencies, you don't know how much cash you'll need to tide through the storm. In such cases, you probably want to have as much cash on hand as possible, and if you happen to lose some of your cash in such accounts, it kind of defeats the purpose of having an emergency fund to begin with.
I personally keep mine in an insurance savings plan that guarantees capital, so I feel safer about it. The interest rate difference between this and a cash management account is marginal, so I don't feel like the few % points are worth the risk.
Hope this helps & all the best!!
Yup there's a withdrawal fee for Dash Easyearn, but if you don't withdraw often it should be fine, which makes it more suitable for emergency funds because you wouldn't expect to need it very often. It doesn't get terminated if you withdraw, unless your account balance is left below the minimum for too long (I don't remember the exact details regarding this). So if you occasionally withdraw a small sum, it should still be fine!
You can consider singlife or followed by ocbc360/dbs multiplier if you meet the salary bo...
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