digiPortfolio – Invest in ready-made portfolios | DBS Bank (2024)

Easy to start at lower cost

Start a portfolio with a bite-size budget of just S$100.

No lock-in period

Withdraw your investment anytime without penalty. Your money is never tied down with digiPortfolio.

Eligible category for bonus interest with Multiplier

Enjoy up to 4.1% p.a. on your DBS Multiplier Account when you invest S$1,000 in digiPortfolio. The only bank to recognise robo-advisor investments. Find out more

Leave it to our experts

You might not have time to manage your portfolio. But we do. So let the DBS Investment Team do the monitoring for you. With their deep expertise, your money is in really good hands.

You're safe with DBS

Investing in digiPortfolio is investing directly with DBS. That’s reassuring. And we ensure you have full transparency of your holdings and portfolio performance, just to put your mind at greater ease.

Tap on the ‘Invest’ tab

Select ‘digiPortfolio’

You can do it anytime with digibank online or through the app.

Through digibank online:

• Login to iBanking online
• Select ‘digiPortfolio’ in the top ribbon
• Click on ‘Top-up’ or ‘Withdraw’
• Input transaction details, click ‘Next’
• Review your transaction details before clicking ‘Submit’

Through digibank app:

• Login to digibank app
• Select ‘Invest’ at the bottom
• Click on ‘digiPortfolio’ tile
• Select which portfolio you would like to top-up
• Click "Top Up" button
• Input transaction details. Click ‘Next’
• Review your transaction details before clicking ‘Confirm’

The typical turnaround can take up to 5 business days for digiPortfolio. For withdrawals, the proceeds will be automatically credited back to your selected crediting account.

As digiPortfolios may be purchased in two currencies, S$ and US$, a Multi-Currency Account is required to ensure seamless transactions when opening or closing a portfolio. Any one of the following Multi-Currency Accounts may be used as the funding account for investing in digiPortfolio :

• My Account
• eMulti-Currency Autosave (eMCA)
• eMulti-Currency Autosave Plus (EMCA+)
• Multi-Currency Autosave Plus
• Multiplier account

The funding accounts currently accepted are individual accounts

The fall below fee for the MCA account will be waived for accounts that were opened specifically to fund your digiPortfolio.

You may do it anytime from internet banking (iBanking). Here’s how:

Through digibank online:

• Login to iBanking online
• Click ‘Banking’ in the top ribbon
• Use the ‘Transfer’ option to convert S$ to US$ for your funding account
• Once the transfer is done, select ‘digiPortfolio’ in the top ribbon
• Select ‘Create a new portfolio’
• Select your desired US$ digiPortfolio
• Input transaction details. Click ‘Next’
• Review your transaction details before clicking ‘Submit’

For mobile banking, here’s how:

• Login with digibank app
• Select ‘Pay & Transfer’ at the bottom
• Select ‘Exchange Currency’ in the top ribbon
• Once the transfer is done, select ‘Invest’ at the bottom
• Click on ‘digiPortfolio’ tile
• Select your desired US$ digiPortfolio
• Input transaction details. Click ‘Next’
• Review your transaction details before clicking ‘Confirm’

Simply login to digibank online or digibank app and access ‘digiPortfolio’ via the ‘Invest’ button.

For digibank online:

1. Select the portfolio you wish to invest in.
2. Indicate your preferred risk level and funding account, funding currency and amount.
3. Then confirm your decision after checking that your order details are correct.

For digibank app:

1. Select the portfolio you wish to invest in.
2. Select your preferred risk level, click ‘Pick This Portfolio’.
3. Indicate your funding account, funding currency and amount.
4. Then confirm your decision after checking that your order details are correct.

You will need a Multi-Currency Account with sufficient S$ or US$ to complete your transaction.

As digiPortfolios may be purchased in two currencies, S$ and US$, a Multi-Currency Account is required to ensure seamless transactions when opening or closing a portfolio. Any one of the following Multi-Currency Accounts may be used as the funding account for investing in digiPortfolio: My Account, eMulti-Currency Autosave (eMCA), eMulti-Currency Autosave Plus (EMCA+), Multi-Currency Autosave Plus and Multiplier account.

The funding accounts currently accepted are individual accounts.

The fall below fee for the MCA account will be waived for accounts that were opened specifically to fund your digiPortfolio.

You can top up your portfolio at no minimum/maximum cap anytime you wish with no additional fees. Simply click on the top-up button next to your existing portfolios in digibank to increase your investment amount for the respective portfolio.

For withdrawals, you only need to maintain the minimum investment sum for your selected digiPortfolio by clicking the withdraw button.

This may involve selling some or all of your holdings in the portfolio. The selling process will take several days.

You can set up recurring top ups for digiPortfolio via the digibank app. Here’s how:

For new digiPortfolio customers

For existing digiPortfolio customers

Recurring top ups can be made for these digiPortfolios:

• Income Portfolio
• SaveUp Portfolio
• Asia Portfolio
• Global Portfolio (ETF-based)

Yes. You can modify your recurring top up via the digibank app by following these steps:

1. Log in to the digibank app.
2. From the home dashboard, tap on your digiPortfolio account.
3. Scroll down and tap on ‘Your Recurring Top-Ups’ section.
4. Tap on ‘Modify’ to modify your recurring top up instruction.

Please expect changes to be effective after 1 day.

You may terminate your recurring top up instruction any time via the digibank app by following these steps:

1. Log in to the digibank app.
2. From the home dashboard, tap on your digiPortfolio account.
3. Scroll down and tap on ‘Your Recurring Top-Ups’ section.
4. Tap on ‘Terminate’ to terminate your recurring top up instruction.

Please expect the termination to be effective after 1 day. Any top ups scheduled for the same day will continue to occur.

Calculation of Management Fees:

The prevailing GST is applicable on the management fee for the respective Portfolio type.

There is only one fee.

Based on the portfolio value, the annual management fee is at 0.75% p.a. for both the Asia Portfolio and Global Portfolio. There are no other sales charges, platform fees, switching fees, withdrawal fees or closure fees.)

This management fee goes towards the research, investment strategy, market monitoring and rebalancing of the digiPortfolio and is charged once a year, or at the time of portfolio closure.

digiPortfolio’s objective is to achieve a return befitting the respective mandate over an investment cycle of 3 – 5 years while managing the price fluctuation (risk) because of the market.

To achieve this, our strategy is to invest in a portfolio of exchange traded funds across asset classes including fixed income (bonds) and equity. Bonds provide steady income streams and equities provide capital growth. For any specific mandate, we will adjust the weights in either bonds or equities depending on our view on the market. We form this view together with our Chief Investment Officer (CIO) team – a dedicated team of analysts that form macro strategy. For example, in the Comfy Cruisin’ Portfolio that is initially 45% invested in bonds funds, 50% in equities funds and 5% in cash, we would increase the weight in equities and decrease the weight in bonds if we believed that equities would outperform bonds over a certain period of time. Our adjustments are calibrated and not excessive.

The DBS Investment Team undertakes prudent risk management to guard against excessive risk in the portfolios. Our portfolio specialists consider acceptable price fluctuations to achieve certain returns.

Risk management also mitigates downside risks if our projections do not work out as we may have intended. For example, if we took an outsized investment in equities and it corrected heavily, it would cause undue stress to the portfolio. Having risk management standards and practices in place provides safeguards in the decision-making process.

To make the portfolio effective, the portfolios are reviewed quarterly and rebalanced when necessary.

Regular rebalancing enables the portfolios to remain resilient no matter how the market moves.

We believe that one should take a long-term view when investing to enjoy the benefit of compounded returns. Staying focused on long term targets will help investors overcome the anxieties caused by short term market volatility. A good guide is an investment cycle of 5 years.

Compounding generates additional gains by staying invested. In the illustration below, based on an initial investment amount of $10,000, a 6% annual return reaps $3,000 over 5 years if the investor withdraws the gains every year. If the investor did not withdraw the gains and stayed fully invested, the profit after 5 years would be $3,382 instead or $382 more.

Short term investing requires good skill and timing to achieve success. However, this is difficult to execute during periods of volatility. The chart below is the MSCI World Index from 2013 to 2017. Suppose an investor started investing in 2013, he would have made some profit before meeting the rough patch in 2015. He may then decide to sell his investments to avoid further volatility. He may even wait a while before returning to the market. This may have meant missing out on the rally that proceeded in 2017. If he had stayed fully invested during the whole period, he could have benefited from the full 58% gain.

Many robo-advisors in Singapore are stand-alone fintech companies with limited market capital, or part of the brokerage platforms of banks, which are separate from the full suite of banking products and services.

digiPortfolio is created and delivered by the Safest Bank in Asia and Best Digital Bank Globally. View Awards & Accolades.

DBS Bank also enjoys the highest credit ratings from the three top credit rating agencies in the world. digiPortfolio’s investment process is completely integrated into the bank’s secure systems so you have peace of mind knowing you are not being redirected to a third-party platform to transact. This also affords greater convenience as your internet banking login details are the only credentials needed to start investing

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