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.

We currently only accept individual Multi-Currency accounts and offer only individual digiPortfolios.

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.

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 will need to top up your S$ or US$ wallet in your Multi-Currency Account by transferring in monies from your Savings or Current Account. This can be done instantly via digibank online or digibank app.

No. Currently, digiPortfolio is not included in the list of investment products for which CPF or SRS funds can be used. We will provide an update if digiPortfolio becomes included.

Yes. For new investors, lump sum investments (minimum S$1,000 per transaction) in an ETF-based digiPortfolio will be counted towards the investment category of DBS Multiplier. For existing ETF-based digiPortfolio holders, a minimum top up of S$1,000 per transaction is required to qualify for DBS Multiplier.

Details of the underlying ETFs in each portfolio are available in the Portfolio Details page in digibank online and digibank app. You will be able to view the fund prospectuses and fact sheets. In addition, there are short commentaries from the DBS Investment Team on the reasons for including each ETF in the portfolio.

Management fees are debited once a year. In the event that you close your portfolio, the applicable fees will be debited prior to closure.

Simply log in to digibank online or digibank mobile to view details of your digiPortfolio and holdings.

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.

After logging into digibank, select the digiPortfolio you wish to close and submit your closure request. If you have multiple digiPortfolios, you will need to repeat this process for each one. The holdings in the selected digiPortfolio will be sold with the proceeds returned to your Multi-Currency Account. Please ensure that your Multi-Currency Account remains open until the proceeds have been credited successfully as the selling process will take several days: for Income/SaveUp digiPortfolios, it will take between 7-10 business days while the process for ETFs-based digiPortfolios will require between 3-5 business days. These estimated timelines comprise of regular market settlement timelines for funds and ETFs.

No, once the closure request is submitted all the holdings in the digiPortfolio will be sold and the proceeds returned to your Multi-Currency Account. If you wish to remain invested in specific ETFs, you will need to purchase them individually via the DBS Online Funds Investment platform or via a regular savings plan through Invest-Saver.

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.

Calculation of Management Fees:

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

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.

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