Affordable

Invest in Singapore Bonds or Blue Chip Stocks from just S$100 a month!

Convenient

No securities trading account or CDP account is required

Flexible

Change investment amount without incurring a fee+

 

What is POSB Invest-Saver?

It is a Regular Savings Plan (“RSP”) that allows you to invest via a GIRO arrangement on a monthly basis.

It is designed for those who:

  • may not have a huge capital
  • want to potentially grow their long-term savings
  • are looking to diversify their portfolio
  • are seeking a relatively simple way to invest

From just S$100 a month, you can now invest affordably in either Singapore Bonds or Blue Chip Stocks, via two Exchange Traded Funds (“ETFs”) listed on the Singapore Exchange.

 

An easy way to start investing!

Login now Online via iBanking
Visit Branch Visit any of our branches
 

FAQ & Important Notice

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.


By contributing a fixed investment amount monthly, over a period of time, your average cost of investing in an ETF may be lower than the average price of investing in the ETF over the same period. This investment method is called ‘dollar-cost averaging’. It can help hedge against market volatility by avoiding the pitfalls of market timing as it does not require you to speculate the ‘right’ time to invest as compared to investing at one go. Through this disciplined method, you can build up a portfolio overtime at a potentially lower average cost as you will be buying more units when prices are low and lesser units when prices are high.

Example:

 

Monthly Subscription Amount

Sales charge of 1%

Net Investment Amount

Assume Average Purchase Price* on 15th

Number of Units

January

S$300

S$3

S$297

S$3.27

90.82

February

S$300

S$3

S$297

S$3.37

88.13

March

S$300

S$3

S$297

S$3.47

85.59

April

S$300

S$3

S$297

S$3.57

83.19

May

S$300

S$3

S$297

S$3.67

80.92

Total

S$1,500

S$15

S$1,485

S$17.35

428.65

Average cost per unit (S$1,500/428.65 units) = S$3.50

Average price per unit (S$17.35/5) = S$3.47

Note: The above is meant for illustration purpose only.

* Please refer to Clause 3.2.