500
Accumulate ETFs with Invest-Saver
At a Glance

Start affordably, anytime
Start investing in Exchange Traded Funds (ETFs) with as little as S$100 a month.

Peace of Mind with Zero Penalty
No lock-in period – enjoy the flexibility to top up your investment amount, terminate your plan or redeem your holdings at any time via digibank.

Easy Steps to Start
Setting up an Invest-Saver plan is quick and easy via DBS digibank. No trading or CDP account required – just a one-time setup to invest on repeat every month.
What is Invest-Saver with Exchange Traded Funds (ETFs)?
Invest-Saver is our family of regular savings plan (RSP) products. An RSP lets you invest a fixed sum, from S$100 monthly, using dollar-cost averaging (DCA). The sum is deducted from your designated DBS/POSB account on the 15th of every month (or the next business day if the 15th is a Sunday or Public Holiday) and is invested into your choice of ETFs. This helps you accumulate your investment steadily and progressively.
ETFs consist of a basket of investments, which gives you instant diversification without having to select individual stocks, bonds, or commodities. This makes you less vulnerable to the price movement of individual assets. For example, if one stock price drops, the other stocks in the index will cushion the effect from the fall.
When you purchase an ETF through an RSP, you don’t have to stress over market fluctuations or monitor the market. By simply subscribing to an Invest-Saver plan, you will average out your investment cost over the long run!
Why accumulate ETFs?
Easy to access
ETFs are easily accessible to investors as there are minimal to no restrictions on trading it in the Singapore Exchange. This helps investors at any level to diversify their portfolio.
Affordable way to diversify
As most ETFs are passively managed, they are usually charged a lower management fee compared to actively managed funds, making it a cheaper alternative to diversify one’s portfolio.
Longevity
Index funds come with regular reviews and rebalancing to assess the quality of the securities against its methodology. For example, index providers will remove securities that do not meet the criteria for index inclusion. This generally allows the index to survive longer compared to any listed company, making it an ideal choice for a long-term investment.
Risks of Investing in ETFs
Like any investment product, investing in ETFs comes with its own set of potential risks. Here are some risks that you should be aware of:
Tracking Error
Fund returns may deviate from the Index's benchmark as changes in the market are unable to be reflected accurately in the Net Asset Value (NAV) of the Fund purchased, due to various factors.
Lack of discretion by Fund Manager to adapt to market changes
As most ETFs are not actively managed, the Fund Manager does not attempt to outperform the Index, nor will they seek temporary defensive positions when markets decline or appear overvalued. A fall in the Index may result in a corresponding fall in the NAV of the fund.
Limited Diversification
Although ETF provides instant diversification; not all indices are made the same. Some indexes track a fewer number of assets compared to others.
Choose an ETF that suits you
Take your pick based on your investment style, goal and risk appetite.
Invest in 5 easy steps
Accessible 24/7
Your Invest-Saver portfolio is accessible 24/7 on digibank. Enjoy the flexibility of topping up your investment amount, terminating your plan or simply redeeming your holdings.
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Frequently Asked Questions
About Exchange Traded Funds Regular Savings Plan
What ETF choices do I have?
There are 5 ETFs for you to choose from:
Singapore Equity ETF
1. Nikko AM Singapore STI ETF
SGD Fixed Income ETFs
2. ABF Singapore Bond Index Fund
3. Nikko AM SGD Investment Grade Corporate Bond ETF
REIT ETFs
4. CSOP iEdge S-REIT Leaders Index ETF
5. Nikko AM-StraitsTrading Asia ex Japan REIT ETF
Where are the ETFs listed?
All the ETFs are listed on Singapore Exchange (SGX).
What is the Nikko AM Singapore STI ETF?
Managed by Nikko Asset Management Asia Ltd, this ETF has the investment objective of replicating the performance of the Straits Times Index (STI).
- STI is a market value weighted index, made up of the top 30 blue chip companies in market capitalisation and liquidity in SGX.
- This ETF helps you to gain exposure to STI in a single transaction, instead of investing in 30 blue chip companies individually.
- Dividends (if any) would be paid semi-annually at the Fund Manager’s discretion.
What is the ABF Singapore Bond Index Fund?
The first bond ETF launched in Singapore and is managed by Nikko Asset Management Asia Ltd that closely tracks the iBoxx ABF Singapore Bond Index.
- This index comprises of SGD bonds issued by the Singapore Government or Singapore Government-linked entities (e.g. Housing Development Board, Temasek, and Land Transport Authority), other Asian governments, quasi-government or supranational organisations (e.g. Export-Import Bank of Korea, Korea Development Bank).
- This ETF helps you gain exposure to a basket of majority AAA-rated Singapore government bonds – the only Asian country that has the highest AAA credit rating.
- Dividends (if any) would be paid annually at the Fund Manager’s discretion.
What is the Nikko AM-StraitsTrading Asia ex Japan REIT ETF?
Managed by Nikko Asset Management Asia Ltd, this ETF aims to replicate the performance of the FTSE EPRA Nareit Asia ex Japan Net Total Return REIT Index
- This ETF helps you gain exposure to a diverse portfolio including financial & tech hubs, hospitals, residential & industrial properties, malls, and hotels, across Asia ex Japan.
- Dividends (if any) would be paid quarterly at the Fund Manager’s discretion.
What is the Nikko AM SGD Investment Grade Corporate Bond ETF?
Managed by Nikko Asset Management Asia Ltd, this ETF has the investment objective to track the performance of the iBoxx SGD Non-Sovereigns Large Cap Investment Grade Index.
- This ETF helps you gain exposure to a basket of AAA- to BBB- rated bonds by established institutions (e.g. HDB, PUB, and LTA)
- Dividends (if any) would be paid annually at the Fund Manager’s discretion.
What is the CSOP iEdge S-REIT Leaders ETF?
Managed by CSOP Asset Management, this ETF replicates as closely as possible, before fees and expenses, the performance of the iEdge S-REIT Leaders Index.
- This ETF tracks the performance of 26 large-mid cap Singapore REITs to offer investors stable dividends and a higher capital appreciation potential.
- Dividends (if any) would be paid semi-annually at the Fund Manager’s discretion.
Setting Up, Managing & Redeeming ETF RSP
How do I purchase an ETF RSP?
- If you choose to access DBS digibank via mobile application, you may refer to the steps under Invest in 5 Easy Steps
- If you are accessing DBS digibank via internet browsers
Simply log into DBS digibank and follow these 5 steps:
Step 1: Upon login, go to Invest > select More Investment Services
Step 2: Go to Make an Investment > Set Up Exchange Traded Fund RSP > Purchase Funds > go to Invest Using, choose Cash > Search for the full list of ETFs available
Step 3: Click on Info to view fund information.
Step 4: Click on Buy to purchase fund > select the Debiting Account, enter Monthly Investment Amount, Tax Status and Country of Birth > verify your inputs and Submit.
You are advised to click on the hyperlinks and carefully read through the Prospectus and Product Highlights Sheet, which contains details of your selected Fund.
Step 5: Review the Terms & Conditions and click on I Agree to confirm your Invest-Saver plan set up.
Is there any free look/cancellation period?
For ETFs purchased via RSP, there is no free look/cancellation period. It can be cancelled anytime with no subscription plan, as long as the cancellation is before the 15th day of the month.
How is the purchase price determined?
The purchase price of ETFs will be based on the end-of-day NAV declared by the fund house on the business day which your account is debited. This price may differ from the last traded price of the day displayed at the point of purchase.
You may refer to the issuer’s webpage for the NAV of the specific ETF purchased. This will be available the next business day.
Can I change my monthly investment amount?
Your Invest-Saver portfolio is accessible 24/7 on DBS iBanking.
Step 1: Upon login, go to Invest > select More Investment Services > Make an Investment > Set Up or Update Unit Trust Regular Savings Plan (RSP)
Step 2: Select Investment Account and click Search
Step 3: Select the Fund of your choice (pen icon) and edit the Monthly Investment Amount
You are advised to read the Prospectus and Product Highlights Sheet carefully for a full understanding of your selected fund. Read the Terms and Conditions governing investment in funds and tick the checkbox before you continue with your application.
Step 4: Confirm and submit your order
The Bank will send you a confirmation letter to confirm when the change to your investment amount will take effect from.
What happens if there are insufficient funds in my account?
Please ensure that your designated DBS/POSB account is sufficiently funded before the 15th of every month (or the next business day if the 15th is a Sunday or Public Holiday).
We reserve the right to terminate your DBS/POSB Invest-Saver plan(s) after 2 consecutive unsuccessful deductions.
How do I redeem my Invest-Saver holdings?
Step 1: Upon login, go to Invest > select More Investment Services > Manage Investments > Redeem Unit Trust or Exchange Traded Fund (ETF)
Step 2: Select Investment Account and click Search
Step 3: Select the plan you wish to redeem and click Sell
Step 4: Input the number of units to redeem, select Crediting Account > Country of Birth > Next to proceed.
Step 5: Click on I Agree to submit your order.
Note: You will receive a confirmation letter to confirm the amount of your redemption proceeds. Settlement date is Trade date + 2 market day.
How is the redemption price of my holdings determined?
For ETFs, it will be based on the average redemption price on the business day following your instruction, or another day determined by the Bank in good faith and in a commercially reasonable manner.
The average redemption price is calculated by dividing the total proceeds from the units sold by the total quantity of units sold, based on the aggregated orders of all customers who sold their respective ETF units on the particular redemption date. All customers will be accorded the same average redemption price for the respective ETFs.
When will my account be credited with the proceeds?
Your account will be credited within T+2 business days from the date you submitted your redemption request.
Will my Invest-Saver plan be automatically terminated after I redeem all my units?
No. Your RSP will still be active even after you have done a full redemption. To stop your RSP, you will have to terminate the plan.
How do I terminate my Invest-Saver plan?
Step 1: Upon login, go to Invest > select More Investment Services > Manage Investments > View or Delete Regular Savings Plan (RSP)
Step 2: Select Investment Account > Search
Step 3: Select the plan you wish to terminate and submit
We will send you a confirmation letter with details of your termination request.
Can I terminate my Invest-Saver plan without redeeming my funds?
Yes, you can terminate and leave the holdings in your account and redeem them later. Alternatively, you have the option to reactivate your Invest-Saver plan again.
Dividends
What happens to the dividends/coupons that are paid out on my funds?
Monies from coupons, dividends, cash offers, rights issue, and other corporate actions will be credited into your designated DBS/POSB debiting account. Dividends reinvestment is not available.
Recognition for DBS Multiplier Account/POSB Cashback Bonus
How will my Invest-Saver be recognised?
Your Invest-Saver’s monthly contribution amount will be recognised for the first 12 consecutive contributions per investment fund. The Invest-Saver plan must be purchased in cash after opening a DBS Multiplier account or enrolling in POSB Cashback Bonus. Investment transactions will be recognised as the Singapore dollar equivalent at DBS’s prevailing exchange rate.
Invest-Saver will be recognised in the same month if you sign up before the deduction date, which is the 15th of the month or the next business day if the 15th is a Sunday or Public Holiday. Else, it will be recognised in the next month.
For more information, please refer to the following FAQs:
When will the recognition be reflected in the Bank & Earn Summary?
Recognised transactions will be reflected in your Bank and Earn Summary 4 calendar days after the settlement date.
Example:
Deduction Date - 15 April (or next business day if 15th is a Sunday or Public Holiday)
Settlement Date - 17 April (2 working days, depending on fund house)
Recognition Date - 23 April (4 calendar days after the settlement date)
Important information
In all other jurisdictions where the DBS/POSB iBanking website(s) is/are accessible by its residents or entities, it is intended for use by corporate, institutional, professional, wholesale and other qualified investors in accordance with the laws and regulations of such jurisdictions.
The material and information contained herein is for general circulation only and does not have regard to specific objectives, financial and particular needs of any specific investor individual and/or entity (collectively referred to as investor), wherever situated. The material and information contained herein does not constitute an offer, invitation, recommendation or solicitation of any action based upon it and should not be viewed as identifying or suggesting all risks, direct or indirect, that may be associated with any investment decision. Prospective investors should seek advice from a financial adviser regarding the suitability of the product before making a commitment to purchase the product it. In the event that the prospective investor chooses not to seek such advice, he/she/they should carefully consider whether an investment in the said securities is suitable for them in light of their own circumstances and financial resources and entire investment programme.
Disclaimer for Investment and Life Insurance Products
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