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What is a Monthly Income Fund?

"Monthly Income Fund" is an investment-linked fund that pays dividends on a monthly basis.

What is an Investment-Linked Fund?

An investment-linked fund pools together the premiums paid by policyholders and invests in a portfolio of assets to achieve the fund objective. The price of each unit in a fund depends on how the investments in that fund perform. The fund is actively managed by Fund Managers.

What are the advantages of investing in an Investment-Linked Fund?

• Fund Managers - Our funds are actively managed by professional and experienced fund managers, so you can rest assured that your investments are always in good hands.
• Diversification - Investment-linked funds consist of a broad, diversified basket of financial instruments rather than concentrate solely on one particular stock or bond. The advantage of "not putting all your eggs in one basket" is that when a particular share or market sector does not perform well, it will not affect the overall performance of your portfolio as drastically.
• Monthly Dividends - Our funds aim to pay dividends on a monthly basis. Not many funds in Singapore offer this feature

Frequently Asked Questions About
Monthly Income Funds

Who is Monthly Income Fund suitable for?

This fund is only suitable for investors who:

• Seek to receive medium to long term capital appreciation and income; and
• Are comfortable that the price and value of the units as well as any derived or accrued income may fall or rise, with potential loss of the original amount invested.

How are Monthly Income Funds dividends different from other Investment-Linked Funds?

Monthly Income Funds pay dividends on a monthly basis. Most investment-linked funds pay a dividend on annual basis.

How are Monthly Income Funds dividends different from Stocks?

Monthly Income Funds pay dividends on a monthly basis. Stocks pay dividends usually either on quarterly, semi-annual, or annual basis.

How much is the Monthly Dividend?

We target to give 0.3% cents (SGD) per unit per month, but this amount is non-guaranteed. The actual monthly dividend payout can be more or less depending to the performance of the underlying investments in the fund.

What is the Portfolio Allocation?

The fund invest mainly in high grade Singapore stocks and Singapore bonds with a portfolio allocation of 40% stocks and 60% bonds. Note that this is just the guideline. In order to meet the fund objective of medium to long term capital appreciation, Fund Managers may also adjust the portfolio allocation from time-to-time to adapt to changing market conditions.

What is the Recommended Investment Time Horizon?

Our investment-linked fund is designed for mid-to-long term returns and it is advisable to leave your money invested for a minimum period of three to five years to recoup the costs of investment and to get an appropriate return. The returns are non-guaranteed.

Are there any Risks?

All forms of investments are subjected to market risk and may not be suitable for everyone. As required by strict industry regulations, our financial planners will assess each prospect's or client's financial status and risk profile on a case-by-case basis before giving any advice or product recommendation.

Are the Returns Guaranteed?

No. The returns are non-guaranteed. Like most legitimate forms of investments, there is the possibility of profits as well as losses.

Who are you and why should I trust you?

We are a team of Professional Financial Advisors headed by a Certified Financial Planner ®. All our Financial Advisors are licensed, certified and based in Singapore. If you require further verification, please ask the Financial Advisor we assign to you to produce his or her Representative Number if you decide to meet up for appointment.

Can I find out more?

If you would like to find out more about our Monthly Income Funds, we sincerely invite you to enter your name, email, and phone number in the form below now. By sending us your details you give our financial planners permission to contact you via phone or email regarding the fund. The Financial Planner may schedule an appointment with you to discuss the fund in detail, and there are no obligations for you to buy anything unless you want to.

All our financial planners are licensed and regulated in Singapore. We respect your privacy and will never share your details with anyone else other than the financial planner we assign to you.