[AMA closed! Read our responses] We are product managers working in the DBS Funds team. AMA!

DBS

@ponie4prez Hi ponie4prez, thank you for the question. What we think we are doing right is looking at client relationships holistically where deposits, cards, investments or insurance are not viewed individual ‘products’. To put them together, we aim to build simple and guided digital journeys where clients can review their financial health conveniently and layer themselves with appropriate solutions anytime, anywhere.

Some examples are programmes like the Multiplier which rewards clients based on their overall banking relationship while NAV Planner seeks to capture your holdings within and outside of DBS in a single view, identify gaps and provide personalised ideas to bridge these gaps.

Some of these personalised ideas will include investment solutions like digiPortfolio, Unit Trust online and Invest-Saver of course. In this space, we constantly review our suite of offerings as well as platform capabilities to ensure that we remain relevant to clients looking to invest with DBS.

DBS

@sjh1993
Hi sjh1993, the DBS Focus Funds is a shortlist of positive-rated funds that are aligned with the bank’s current investment views. This is updated on a quarterly basis to factor in any changing views.

To qualify as a positive-rated fund, some of the considerations that go into the review process includes the experience, track record and management acumen of the fund management team, investment processes and strategy in managing the fund as well as past and long term returns potential.

DBS

@msixism Hi msixism, it is great that you have thoughts about investing even before you graduate! Time is certainly on your side when you start investing early and our advice would be to understand yourself, uncover your investment preferences and tolerance before starting. NAV Planner, available at no charge on DBS digibank, is one such digital tool that can serves as a guide as you take your first steps. While it uncovers your investment preferences, it would also throw out some relevant ideas for your consideration.

Heidi

@dbs will the answer be posted here or there's a separate link?

Heidi

I have life insurance, robo investment, have stocks in my home country (I'm a foreigner), some fixed deposits in DBS.

Yet, DBS Nav says I have >99 months of emergency funds. I want my money to work for me harder!!!! What else should I try?

Doing research, I often see "singapore bonds" "unit trust" "etf" "reits" but I have DBS digiporfolio already. Should I even with these separately? My goal is more passive income. I can take moderate to higher risk.

PS. I don't have CDP account. Should I make one?

Heidi

I already have DBS asia portfolio ($1K). I am planning to add additional amount but to global portfolio this time. Is it a good idea to diversify in this manner?

Also, fast forward to the day that I already have both asia and global portfolio and I want to top up. Next question in my mind would be "to where do I add, asia or global"?
-is it better to choose based on which fund has more loss (coz more loss = funds prices are cheaper than I own = my money can buy more)

DBS

Hello! It's the first time we're doing this, so do bear with us as we catch up with your questions. As shared by @HeyAnna, we are product managers currently working in the Funds Team at DBS. Always curious to hear what the community has to ask and what to learn, so do share openly!

UncleSam

How can bond funds (or unit trusts that comprise a portion of junk bonds) be part of a diversified investment portfolio, and what are the considerations to take to optimise a portfolio with bond funds of varying credit ratings?

EdwinLee

With the rising focus on sustainable investing, are there plans to enhance existing product offering such as Unit Trusts or DigiPortfolio to be more “ESG friendly”? Some examples include companies with high ESG scores or donating a % of fee-income to social causes.

brownbear32

Will the funds in the digiportfolio change over time ?

Marcus

Are there any plans to include a dollar-cost averaging plan (DCA) for portfolios under the Digiportfolio?

huilin

Any plans to increase the product offering on Digiportfolio to other markets like HK, China for example? Now its kinda limited to SG and US

huilin

Hi when will RSP function for Digiportfolio be enabled? So we don't have to remember to do top ups. Thanks

getitgt

Thanks for having this AMA. Sat in the previous event by The Burrow and SGX where one of the presenters spoke about the three teams that play a part in potentially providing advice/expertise to digiPortfolio holders. How exactly does that work?

msixism

Hi, as I am a fresh graduate that will only be graduating from university next May, what is the best advice that you can give for someone that is new into investing and have yet to try anything before?

sjh1993

Hi, as there are many considerations involved in the selection of unit trust (e.g. forex rate risk, expense ratio, portfolio manager etc.), may I understand the process on how DBS selects their focus funds?

ponie4prez

Hi, thanks for organising this. I want to know simply - what makes DBS offerings more competitive than others in the market today?

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