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ဒါက DBS ရဲ႕ Bluechipရွယ္ယာေလးေတြပါ...ဒါလဲOCBCကလို တလကို$၁၀၀ စီစ၀ယ္ကစားလို႔ရပါတယ္၊စိတ္၀င္စားရင္ မိမိရဲ႕ Saving A/C ရွိရင္ရပါၿပီ ေငြစုတဲ႔ ပံုစံႏွင့္ပါ။
ဒီစကာၤအစိုးရကျပည္သူေတြဆီကေငြေတြကိုဘယ္လိုနည္းေလးေတြႏွင့္ ဘယ္လိုအျမတ္ထုတ္ရမလဲ အၿမဲစဥ္းစားေနေတာ့ အခုလဲအစိုးရဘဏ္ေတြႏွင့္ပတ္သက္ေနတဲ႔ဘဏ္ေတြက ျပည္သူလူထုေတြက ဘဏ္ေခ်းေငြလံုးခ်ာလိုက္ေနက်ေတာ့ ဘယ္မွာ ေငြပိုေငြလွ်ံမရိွက်ေတာ့ အခုလိုစုေငြပံုစံေတြႏွင့္
စေတာ့ေတြမွာလစဥ္စုေငြႏွင့္ ေငြနည္းနည္းခ်င္းစုၿပီး၀င္ကစားခိုင္းတာပါ၊
ေနာက္ၿပီးအားလံုးထင္ေနတာက ေငြရွိမွစေတာ့ကစားလို႔ထင္ေနက်သူေတြ အတြက္ လူတန္းစားအားလံုး
DBS Investments
Find out moreVisit us for a free consultation
All of us have dreams and aspirations. To help you achieve them, visit any DBS branch for a chat with our Relationship Managers. They will analyse your financial needs while answering any questions on your investments or about new opportunities.Our Relationship Managers will help you to fully understand the type of investment you are making. They can put together a comprehensive financial plan that is ideal for you and your family. Along with the right mix of investment and insurance products, they will help to ensure that your future is secure.
Financial planning made easy
To help you make better decisions, here are some simple investment guides:Market Updates - Wealth Management
Market Snapshot
Keep in touch with all major news and developments on economics and financial markets with our suite of publications. Simply access the latest reports by clicking on the links below to update yourself with daily reports across the asset classes.Investment Insights
The Chief Investment Office (CIO) Investment Insights provide a weekly analysis on investment strategy. The weekly Investment Insights comments on the past and following week's key economic and market developments, inter-market relationships, and provide insights on the possible trends in investment markets.Investor Education
Equip yourself with the tools, knowledge and skills to navigate through the ever-changing investment landscape.Primer : Fund of hedge funds - on steadier footing (28 Nov)
Primer : Alternative Investments (21 Nov)
Video Insights
To get insights from the conversations that we have with investment experts, visit our Youtube channel to view our video webcast series:Market Perspectives
In this series, join DBS CIO Lim Say Boon as he shares his outlook on the various asset markets and the latest investment strategy views.In Conversation
We chat with industry experts as they provide their opinions on a diverse range of investment knowledge topics and current issues facing economies and asset markets.
DBS ႏွင့္ POSBမွာ ibanking အြန္လိုင္းစေတာ့ေလးေတြပါ...ဘယ္သူေတြမဆို၀င္ကစားလို႔ရပါတယ္၊
ႏိုင္ငံျခားသားေတြကိုလဲေပးထားပါတယ္၊ မိမိရဲ႕ Deposit A/C ေလးထဲမွာ ေငြရွိရင္ရပါၿပီေနာ္!..
POSB Invest-Saver
Overview
Invest in Singapore blue-chip stocks from just S$100 a month —
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| Important, please read: Some Risks and Other Considerations You must:
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Fees and Charges
- Low sales charge of 1% per transaction with a minimum investment sum of S$100
- No fees for selling the units (this may be subjected to change)
* Promotion is valid till 31 August 2013 for the first S$500. Sales charge of 1% is applicable to the investment amount in excess of the first S$500 and on the subsequent deductions after the promotion ends. Terms & Conditions apply. We reserve the right to amend the terms and conditions of this offer without notice.
Get Started!
There are two easy ways to start investing:ATM
- Select "Regular Savings Plan for Exchange Traded Fund (RSP ETF)" at any of our ATMs
Online
- Fill up your particulars here and we will get in touch with you within 3 business days.
Important Documents To Read
POSB Invest-Saver is not included under the CPF Investment Scheme and Supplementary Retirement Scheme. Investment in the POSB Invest-Saver is by cash only.
Eligibility: You must be at least 18 years of age.
* Promotion is valid till 31 August 2013 for the first S$500. Sales charge of 1% is applicable to the investment amount in excess of the first S$500 and on the subsequent deductions after the promotion ends. Terms & Conditions apply. We reserve the right to amend the terms and conditions of this offer without notice.
Frequently Asked Questions on the POSB Invest-Saver (Regular Savings Plan ('RSP') for an Exchange Traded Fund ('ETF'))
POSB Invest-Saver
- What is a RSP for an ETF?
An RSP enables you to buy units of an ETF through a disciplined approach by investing fixed investment amounts regularly each month. It allows you to accumulate a portfolio for yourself at a potentially reduced cost, without the need to start with a huge initial capital.
- What are the merits of using an RSP to invest in an ETF?
By contributing a fixed investment amount consistently every month over a period of time, your average cost of investing in an ETF may potentially be lower than the average price of investing in the ETF over the same period of time. This investment method is called ‘dollar-cost averaging’ and it can help to hedge against market volatility as you can avoid the pitfalls of market timing by not speculating on the ‘right’ time to invest versus investing your capital in a lump sum. Through this disciplined method, you will build up a portfolio for yourself overtime at a potentially lower average cost as you will buy more units when prices are low and lesser units when prices are high.
Example:Monthly Investment Purchase price Units bought S$100 S$1.20 83.3 S$100 S$1.50 66.6 S$100 S$1.35 74 S$100 S$0.95 105.2 S$100 S$1.10 90.9 S$500 (total) S$6.10 420
Average cost per unit (S$500/420 units) = S$1.19
Average price per unit (S$6.10/5) = S$1.22
Note: The above is meant for illustration purpose only.
- What is the POSB Invest-Saver?
It is a RSP that allows you to invest via a GIRO arrangement on a monthly basis. Through POSB Invest-Saver, you can invest affordably in the Nikko AM Singapore STI ETF. When you buy units of this ETF, you are investing into Singapore's top 30 companies (based on market capitalisation) including Singapore Exchange Ltd, Singapore Airlines Ltd and Singapore Press Holdings Ltd. Collectively, they are known as Singapore’s blue chip companies and their performance is represented by the Straits Times Index ('STI'). The constituents of the STI are reviewed every half-yearly.
- Why should I consider the POSB Invest-Saver?
It provides a relatively simple and lower cost approach to take part in the Singapore stock market. Retail investors may want to start investing but may not have huge initial capital or the discipline to do so. Furthermore, they may not have easy access to stock research reports, nor the time and know-how to interpret such reports.
- What are the benefits of subscribing into the POSB Invest-Saver?
- You can start investing without having to begin with significant capital. The minimum investment into the POSB Invest-Saver is an affordable S$100 a month.
- Pay a low sales charge of 1% (charged on each monthly transaction) from as low as S$1 based on the minimum investment of S$100 a month. There are no other administration or platform charges involved.
- No exit or redemption charges. However, please note that this may be subject to change.
- Convenience - Easy access through self-directed ATM subscription and redemptions at all our ATMs. For subscriptions, you can also visit our website at www.posb.com.sg/investsaver, submit an online request form and our staff will call you back within 3 business days to take your phone application instruction.
- Transparency: The stock holdings in the underlying Nikko AM Singapore STI ETF are transparent so you know exactly what stocks it holds. The Nikko AM Singapore STI ETF can help you gain exposure to the STI without actually having to spend much more money buying the direct component stocks of the index.
- Benefit from the effects of compounding so the earlier you invest the greater your ability to grow your wealth.
- What should I consider before investing into the POSB Invest-Saver?
- Sufficient monies to sustain the investment over the medium to long-term
- You have to be willing to accept that your principal amount may be at risk including the possible loss of the principal amount invested as this is not a capital guaranteed product
- Ensure you have sufficient savings and liquidity
- Understand the risks and fees of the underlying Nikko AM Singapore STI ETF
Understanding ETFs
- What are ETFs?
They are open-ended funds that, like stocks:- Are traded on the stock exchange
- Can be bought and sold through brokers or selected financial institutions
- What is the Nikko AM Singapore STI ETF?
The Nikko AM Singapore STI ETF is an exchange traded fund managed by Nikko Asset Management Asia Ltd that tracks, as closely as possible, the performance of the Straits Times Index ('STI') by substantially investing its assets in the constituent stocks of the STI in the same weightings as reflected in the STI. By buying into the Nikko AM Singapore STI ETF, you can gain exposure to the STI without actually having to spend money buying the direct component stocks of the index.
- What is the Straits Times Index?
The Straits Times Index is a market value weighted index comprises of the top 30 main-board listed companies based on their market capitalisation on the Singapore Exchange.
- Where is the Nikko AM Singapore STI ETF listed?
Nikko AM Singapore STI ETF is listed on the Singapore Exchange.
- What are some of the potential risks I face when I invest in the Nikko AM Singapore STI ETF (the 'Fund')?
The Fund carries significant risks as it is a narrowly focused fund that invests solely in equities listed on the STI. Some of the key risks include:- Market Risk - As the Fund tracks the performance of the STI, investors in the Fund will be exposed to the price fluctuations of the units due to a number of factors, including, without limitation, the price fluctuations of the constituent stocks within the STI.
- Liquidity Risk - Although units in the Fund are listed on the SGX-ST, investors should be aware that there can be no assurance that active trading markets for units will develop, nor is there a certain basis for predicting the actual price levels at, or volumes in, which units may trade.
- Tracking Error Risk - Changes in the price of the Fund are unlikely to replicate exactly changes in the STI due to factors such as fees and expenses of the Fund, liquidity of the market and changes to the Index.
- Will the Nikko AM Singapore STI ETF pay any distributions?
The Nikko AM Singapore STI ETF ('STI ETF') aims to pay distributions from dividends received from the underlying shares. However the ability of the STI ETF to pay will be dependent on the dividends declared and paid by the companies whose shares are held by the STI ETF and the level of fees and expenses payable by the STI ETF.
Subscription, Redemption and Termination of the POSB Invest Saver
- How do I start an investment into the POSB Invest-Saver?
You can subscribe to the POSB Invest-Saver at any of our ATMs by following these simple steps:- Step 1: Insert your ATM/Debit card and enter your PIN. Go to service menu
- Step 2: Select the option "Regular Savings Plan for Exchange Traded Fund (RSP ETF)"
- Step 3: Select the option "RSP Set up/Change of subscription amount"
- Step 4: Read the T&Cs. You may obtain the full T&Cs from our branches or from www.posb.com.sg/investsaver.
- Step 5: Confirm that you have read and accept the T&Cs by clicking on the “continue” button on screen
- Step 6: Select your Tax Status and key in your intended monthly subscription amount
- Step 7: You will receive an ATM receipt confirming your application.
- What will my purchase price of the POSB Invest-Saver be each month?
Your purchase price would be based on the average subscription price on the Business Day following the day your account is debited, or such other day determined by the Bank in good faith and in a commercially reasonable manner.
The average subscription price is calculated by dividing the total cost of purchasing the shares of the Nikko AM Singapore STI ETF by the total quantity of shares purchased on that day by the Bank. All customers will be provided with the same average subscription price.
- Where can I obtain a copy of the Nikko AM Singapore STI ETF offering documents?
You can obtain a copy of the Nikko AM Singapore STI ETF prospectus and product highlights sheet (PHS) from www.posb.com.sg/investsaver or from any of our branches.
- How is the subscription like?
Example:Monthly Subscription Amount Sales charge of 1% Net Investment Amount for POSB Invest-Saver Assume Average Purchase Price on 12th Number of Units S$300 S$3 S$297 S$3.27 90.82
However, as only round figures can be issued for the POSB Invest Saver, the cost and sales charge of the residual units of 0.5 units will be refunded back to you.
Example:Residual Units Value of residual units based on Average Purchase Price on 12th Sales charge (1%) on value of residual units Total amount refunded to you 0.82 S$2.68 S$0.0268 S$2.70
Note: The above is meant for illustration purpose only.
- What is the sales charge levied on the POSB Invest-Saver?
A sales charge of 1% will be deducted from your subscription amount every month. However, as we are only able to accept round figures for the POSB Invest-Saver, we will refund the 1% sales charge based on the value of the residual units (if any). Please refer to Question 4 above for an illustration.
- When will my account be debited?
The monthly debiting from your saving/current account will be on the 12th of every month (or the next business day if the 12th is a non-business day). The date may be subject to change.
- Will I receive regular statements? Can I check my holdings via iBanking?
Yes, you will receive quarterly statements from the Bank. If you have an iBanking account with us, you may also log on to view your latest holdings and market value of the Nikko AM Singapore STI ETF.
- Can I change my monthly subscription amount?
Yes, you can change your monthly subscription amount via any of our ATMs by following these easy steps:- Step 1: Insert your ATM/Debit card and enter your PIN. Go to service menu
- Step 2: Select the option "Regular Savings Plan Exchange Traded Fund (RSP ETF)"
- Step 3: Select the option "RSP Set up/Change of subscription amount"
- Step 4: Enter the new figures of the monthly subscription amount that you wish to change to and confirm
- Step 5: You will receive an ATM receipt confirming your action.
- How do I redeem my holdings in the POSB Invest-Saver?
You can redeem your holdings in the POSB Invest-Saver daily at any of our ATMs by following these simple steps:- Step 1: Insert your ATM/Debit card and enter your PIN. Go to service menu
- Step 2: Select the option "Regular Savings Plan Exchange Traded Fund (RSP ETF)"
- Step 3: Select the option "Redemption of ETF"
- Step 4: You will receive an ATM receipt confirming your action. The redemption amount will be credited to your designated debiting account.
- What will my redemption price of the POSB Invest-Saver be?
Your redemption price would be based on the average redemption price on the Business Day following your redemption instruction, or such other day determined by the Bank in good faith and in a commercially reasonable manner.
The average redemption price is calculated by dividing the total proceeds from the shares sold by the total quantity of shares sold, based on the aggregated orders of all customers who sell their shares of the STI ETF on the particular redemption date. All customers who redeem the Nikko AM Singapore STI ETF will be accorded same average redemption price.
- When will my account be credited with the redemption proceeds?
Your account will be credited within T+7 days after you have submitted your redemption request.
- How do I terminate my POSB Invest-Saver?
You can terminate your POSB Invest-Saver at any of our ATMs by following these simple steps:- Step 1: Insert your ATM/Debit card and enter your PIN. Go to service menu
- Step 2: Select the option "Regular Savings Plan Exchange Traded Fund (RSP ETF)"
- Step 3: Select the option "Termination of RSP"
- Step 4: Confirm your termination request by clicking on the "continue" button
- Step 5: The Bank will send you a letter to confirm that your request to terminate has been effected
- Can I still hold my units in the Nikko AM Singapore STI ETF even after the termination of my RSP?
Yes, you can hold on to your units in the Nikko AM Singapore STI ETF even if you have terminated your RSP. Should you decide to subscribe to the POSB Invest-Saver again, you can do so via any of our ATMs.
- Can I subscribe to the POSB Invest-Saver online?
You may submit a request via an online form at www.posb.com.sg/investsaver for our staff to contact you to take your phone application instructions. Our staff will call you back within 3 business days to confirm and execute your request.
Others
- Who can subscribe to the POSB Invest-Saver?
You will be eligible to subscribe to the POSB Invest-Saver if:- You are at least 18 years of age at the date of application
- You are not a US Person (defined in Terms and Conditions)
- What will happen if there are insufficient funds in my Current or Savings account?
The deduction for the POSB Invest-Saver will not be successful should there be insufficient funds in your Current or Savings account. If there are 2 consecutive unsuccessful RSP deductions, DBS Bank Ltd reserves the right to terminate the POSB Invest-Saver. Please ensure you have sufficient funds for deduction on the 12th of every month (or next business day should the 12th be a non-business day).
- What happens to the dividends that are paid out on the underlying shares in the Nikko AM Singapore STI ETF?
Monies from dividends, cash offers, rights issue and other corporate actions will be credited into your designated debiting account.
- Can I subscribe to the POSB Invest Saver if I have a joint-alternate Savings / Current Account with the Bank?
You can subscribe to the POSB Invest-Saver if you have a joint-alternate Current or Savings account with us. However, the POSB Invest-Saver will be subscribed in the sole name of the applicant only.
* Promotion is valid till 31 August 2013 for the first S$500. Sales charge of 1% is applicable to the investment amount in excess of the first S$500 and on the subsequent deductions after the promotion ends. Terms & Conditions apply. We reserve the right to amend the terms and conditions of this offer without notice.
Important Notice:
POSB Invest-Saver is not included under the CPF Investment Scheme and Supplementary Retirement Scheme. Investment in the POSB Invest-Saver is by cash only.
Nikko AM Singapore STI ETF is a collective investment scheme that is managed by Nikko Asset Management Asia Limited.
This publication is for general circulation only and does not have regard to the specific investment objectives, financial situation and the particular needs of any specific person. The value of the units and the income accruing to the units purchased, if any, may fall or rise. Any past performance, projection, forecast or simulation of results is not necessarily indicative of the future or likely performance of any investment. Investors should seek advice from a financial adviser regarding the suitability of the investment product, taking into account the specific investment objective, financial situation or particular needs of each person before making a commitment to purchase the investment product. If you do not wish to seek financial advice, please consider carefully whether the product is suitable for you. Investors should read the relevant product’s offer documents (including the prospectus and Product Highlights Sheet, if any), available at our branches and website, before deciding to subscribe for or purchase any product.
POSB Invest-Saver is not included under the CPF Investment Scheme and Supplementary Retirement Scheme. Investment in the POSB Invest-Saver is by cash only.
Nikko AM Singapore STI ETF is a collective investment scheme that is managed by Nikko Asset Management Asia Limited.
This publication is for general circulation only and does not have regard to the specific investment objectives, financial situation and the particular needs of any specific person. The value of the units and the income accruing to the units purchased, if any, may fall or rise. Any past performance, projection, forecast or simulation of results is not necessarily indicative of the future or likely performance of any investment. Investors should seek advice from a financial adviser regarding the suitability of the investment product, taking into account the specific investment objective, financial situation or particular needs of each person before making a commitment to purchase the investment product. If you do not wish to seek financial advice, please consider carefully whether the product is suitable for you. Investors should read the relevant product’s offer documents (including the prospectus and Product Highlights Sheet, if any), available at our branches and website, before deciding to subscribe for or purchase any product.
Your first taste of
Singapore blue chips
from just S$100 a month!
With POSB Invest-Saver, you can now potentially grow your long-term savings through a low-cost investment. From just S$100 a month, you can invest in the Nikko AM Singapore STI ETF# - an Exchange Traded Fund that tracks the performance of Singapore’s top 30^ blue-chip companies including Singapore Exchange, Singapore Airlines and Singapore Press Holdings.
How to start
ATM
- Select 'Regular Savings Plan Exchange Traded Fund (RSP ETF)' - Read and accept T&Cs+
Online
- Apply online here and we will get in touch with you within 3 business days
Eligibility: You must be at least 18 years of age.
The values of the units of the scheme and the income accruing to the units, if any, may fall or rise.
Key Risks
- Be willing to accept that your principal amount may be at risk including the possible loss of the entire principal amount invested as this is not a capital guaranteed product;
- Understand the risks and fees that come with subscribing to the Nikko AM Singapore STI ETF through POSB Invest-Saver.
Please refer to the Prospectus+ for the full risk disclosures
Please contact me on setting up a Regular Savings Plan – Exchange Traded Fund (ETF)Important: The email channel is not secure. To safeguard your interests, the Bank will not act on transactional instructions communicated through this channel. To set up a Regular Savings Plan - ETF, you must be an existing DBS/POSB customer.
This request form does not amount to an application for the Regular Savings Plan - ETF. The Bank will note the information you submit in this form, and contact you to take your transactional instructions (including your application to set up a Regular Savings Plan) by phone.
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