The earlier you start an Investment Fund Savings Plan, the greater your accumulated wealth. So prepare for a better future - act now!

Just a small savings on your daily expenses can make a huge difference in the future. The earlier you start an investment plan, the greater the return potential, and the faster you achieve your goals. DBS Bank Investment Fund Savings Plan provides a variety of fund choices to suit different needs. Moreover, the monthly investment amount can be adjusted whenever you want, allowing you greater flexibility.

It only takes a small contribution to start building your wealth. The sooner you start, the brighter your future.

Benefits of Investment Fund Savings Plan

• Flexible savings plan
  You can adjust the monthly investment amount, switch or redeem your units at any time, with no charge*.
• Dollar cost averaging to lower your cost
  Remove the need for market timing, even out the ups and downs of market prices and enjoy long-term average cost of investment. By buying more units at market lows and fewer units at market highs with the same monthly investment amount, the overall average cost of units can be lower than the average unit price over the investment horizon.
• Wide choice of funds
  A range of reputable funds professionally managed by selected fund management groups and companies to suit your investment needs.
  
  * A service fee of HK$200 will be imposed for any redemption amount below HK$20,000.

Steps to formulate your personal investment plan
Given your individual financial status and investment needs, you can formulate your plan through the following steps:

Start early to reap potential rewards
As soon as you start your investment plan, your capital will begin working for you, with a range of investment tools designed to increase your potential returns. The earlier you initiate this plan, the higher the accumulated wealth.

For example:

Mr. Lee, Mr. Chan and Ms. Wong have joined the Investment Fund Savings Plan. As Mr. Lee signed up at the youngest age, his accumulated wealth at age 55 will be the greatest.

As shown below, each contributes HK$2,000 per month until the age of 55.

Investment outcome on different monthly contributions
The larger your monthly contribution, the more goals you can achieve.

Features of Investment Fund Savings Plan

+ Only applies to Investment Fund with subscription fee of at least 5%.

The net subscription fee will range from 4% to 4.5%.
# The net subscription fee will range from 3% to 3.5%.

* A service fee of HK$200 will be imposed for any redemption amount below HK$20,000.

Act Now
It's simple to enrol in Investment Fund Savings Plan. Visit any of DBS branches today to make your start and maximize the greatest return potential.

Remarks:

The Investment Fund Savings Plan will be terminated automatically if 2 consecutive contributions are not made on time. Customers must then redeem all units if the remaining balance of an individual Investment Fund is below HK$20,000, and a service fee of HK$200 will be imposed. DBS Wealth Account must be opened to enrol in the Investment Fund Savings Plan. The monthly maintenance fee for the first year will be waived.

Disclaimer
The above information is for reference only and does not constitute any offer or solicitation to subscribe or redeem. Investment involves risk. The past performance figures shown are not indicative of future performance. Investors should refer to relevant Investment Fund offering documents for detailed information prior to any Investment Fund subscription. If investors have any doubt about this material or any offering document, they should seek independent professional financial advice.