500
digiPortfolio on digibank
At a Glance

Easy to start at lower cost
Start a portfolio with a bite-size budget of just S$100.

No lock-in period
Withdraw your investment anytime without penalty. Your money is never tied down with digiPortfolio.

Eligible category for bonus interest with Multiplier
Enjoy up to 4.1% p.a. on your DBS Multiplier Account when you invest S$1,000 in digiPortfolio. The only bank to recognise robo-advisor investments. Find out more

Leave it to our experts
You might not have time to manage your portfolio. But we do. So let the DBS Investment Team do the monitoring for you. With their deep expertise, your money is in really good hands.

You're safe with DBS
Investing in digiPortfolio is investing directly with DBS. That’s reassuring. And we ensure you have full transparency of your holdings and portfolio performance, just to put your mind at greater ease.
Access digiPortfolio on digibank
Just log in, select ‘Invest’ tab, and click/tap on digiPortfolio.
Wondering when to invest?
Dollar cost averaging (DCA) allows you to invest a fixed amount over regular intervals. This spreads out your investment cost over the long term and helps you to stay invested regardless of how the market is performing.
Good news is, you can now set up a recurring top up for digiPortfolio. A simple one-time setup lets you invest on repeat, hassle-free!
Welcome to digiPortfolio
Investments for every appetite.
digiPortfolio is a hassle-free, ready-made investment portfolio that offers the perfect match of human expertise and robo-technology. And now, you can savour the opportunity to invest in a wider selection of portfolios.
Dig in to more instant ways to grow and protect your wealth through regional or global diversification.
![]() | Built by human expertiseTo create the recipe for growth and a product unlike others in the market, we tapped our elite team of portfolio managers, whose expertise was previously accessible only to investment sums of S$500,000 and above. Besides carefully selecting exchange traded funds (ETFs) to create quality portfolios, the team monitors the market regularly, aligning digiPortfolio with our Chief Investment Office’s views to ensure optimal asset allocation and portfolio resilience, and initiating rebalancing whenever necessary. |
![]() | Powered by robo-technologyNothing beats the speed of technology. So we use it to your advantage. digiPortfolio is coded to automate processes such as back-testing, rebalancing and monitoring. In doing so, we can deliver scale and efficiency, while giving every investor full transparency of trade activities. |
Let our experts prepare a balanced portfolio for you.
One small fee. For expert management.
We removed all sales charges, platform fees and switching fees. So all you pay is one small, flat management fee of 0.25% - 0.75% p.a. for the team’s experience and efforts to curate and manage the portfolios.

Portfolio Type | SaveUp | Income | Asia | Global |
Portfolio Value | S$100 | S$/US$1,000 | S$1,000 | US$1,000 |
Management Fee | S$0.25 | S$/US$7.50 | S$7.50 | US$7.50 |
Which portfolio should I pick?
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What are the ingredients for each portfolio:
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$100 to start |
What is it:
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For investors who:
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$1,000 to start |
What is it:
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For investors who:
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$1,000 to start |
What is it:
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For investors who:
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Factsheet |
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$1,000 to start |
What is it:
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For investors who:
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Factsheet |
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You can also log in to DBS digibank to learn more about our portfolios.
How are the portfolios constructed and managed?
Every portfolio offered to you has gone through meticulous screening and selection by the DBS Investment Team.
Discretionary Portfolio Management Team |
Expertise 1: Construction & Management 1.Selects the best funds from DBS’s platform 2.Optimises risk and return trade-off 3.Constructs resilient portfolios 4.Monitors the market and rebalances portfolios when necessary |
Chief Investment Office |
Expertise 2: Strategy 1.Top-down evaluation of macroeconomic & investment environment 2.Provides strategic and tactical asset allocation views |
How to get started
Access digiPortfolio on digibank
To find digiPortfolio on digibank app:
New to DBS? It’s easy with digibankingNEW
You can open a personal Multi-Currency Account and get digibank access easily on DBS digibank!
Download DBS digibank app now
Get more Benefits
Earn bonus interest on your DBS Multiplier Account when you invest minimum S$1,000 in digiPortfolio. The only bank to recognise robo-advisor investments. Find out more.
How do I top-up or withdraw?
You can do it anytime with digibank online or through the app.
Through digibank online:
- Login to iBanking online
- Select ‘digiPortfolio’ in the top ribbon
- Click on ‘Top-up’ or ‘Withdraw’
- Input transaction details, click ‘Next’
- Review your transaction details before clicking ‘Submit’
Through digibank app:
- Login to digibank app
- Select ‘Invest’ at the bottom
- Click on ‘digiPortfolio’ tile
- Select which portfolio you would like to top-up
- Click "Top Up" button
- Input transaction details. Click ‘Next’
- Review your transaction details before clicking ‘Confirm’
The typical turnaround can take up to 5 business days for digiPortfolio. For withdrawals, the proceeds will be automatically credited back to your selected crediting account.
What DBS / POSB account do I need to invest in digiPortfolio?
As digiPortfolios may be purchased in two currencies, S$ and US$, a Multi-Currency Account is required to ensure seamless transactions when opening or closing a portfolio. Any one of the following Multi-Currency Accounts may be used as the funding account for investing in digiPortfolio :
- My Account
- eMulti-Currency Autosave (eMCA)
- eMulti-Currency Autosave Plus (EMCA+)
- Multi-Currency Autosave Plus
- Multiplier account
The funding accounts currently accepted are individual accounts
The fall below fee for the MCA account will be waived for accounts that were opened specifically to fund your digiPortfolio.
Can I use my joint Multi-Currency Account to open a joint digiPortfolio?
We currently only accept individual Multi-Currency accounts and offer only individual digiPortfolios.
I only have S$ in my individual Multi-Currency Account (MCA), how do I apply for a US$ digiPortfolio?
You may do it anytime from internet banking (iBanking). Here’s how:
Through digibank online:
- Login to iBanking online
- Click ‘Banking’ in the top ribbon
- Use the ‘Transfer’ option to convert S$ to US$ for your funding account
- Once the transfer is done, select ‘digiPortfolio’ in the top ribbon
- Select ‘Create a new portfolio’
- Select your desired US$ digiPortfolio
- Input transaction details. Click ‘Next’
- Review your transaction details before clicking ‘Submit’
For mobile banking, here’s how:
- Login with digibank app
- Select ‘Pay & Transfer’ at the bottom
- Select ‘Exchange Currency’ in the top ribbon
- Once the transfer is done, select ‘Invest’ at the bottom
- Click on ‘digiPortfolio’ tile
- Select your desired US$ digiPortfolio
- Input transaction details. Click ‘Next’
- Review your transaction details before clicking ‘Confirm’
Buy, Withdraw, Top-Up and Close portfolios
How do I start an investment through digiPortfolio?
Simply login to digibank online or digibank app and access ‘digiPortfolio’ via the ‘Invest’ button.
For digibank online:
- Select the portfolio you wish to invest in.
- Indicate your preferred risk level and funding account, funding currency and amount.
- Then confirm your decision after checking that your order details are correct.
For digibank app:
- Select the portfolio you wish to invest in.
- Select your preferred risk level, click ‘Pick This Portfolio’.
- Indicate your funding account, funding currency and amount.
- Then confirm your decision after checking that your order details are correct.
I already have a DBS / POSB account? Why do I need to open a Multi-Currency Account to invest in digiPortfolio?
As digiPortfolios may be purchased in two currencies, S$ and US$, a Multi-Currency Account is required to ensure seamless transactions when opening or closing a portfolio. Any one of the following Multi-Currency Accounts may be used as the funding account for investing in digiPortfolio: My Account, eMulti-Currency Autosave (eMCA), eMulti-Currency Autosave Plus (EMCA+), Multi-Currency Autosave Plus and Multiplier account.
The funding accounts currently accepted are individual accounts.
The fall below fee for the MCA account will be waived for accounts that were opened specifically to fund your digiPortfolio.
What will happen if there is insufficient money in my Multi-Currency Account?
You will need to top up your S$ 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.
Can I invest in digiPortfolio using my CPF or SRS funds?
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.
Will my investment in an ETF-based digiPortfolio be counted towards the investment category of my Multiplier account?
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.
Where can I obtain a copy of the respective portfolio information?
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.
When will fees be debited from my account?
Management fees are debited once a year. In the event that you close your portfolio, the applicable fees will be debited prior to closure.
How can I check my holdings?
Simply log in to digibank online or digibank mobile to view details of your digiPortfolio and holdings.
Can I change my investment amount by topping up or withdrawing from my portfolio(s)?
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.
How do I close my digiPortfolio?
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.
Can I still hold selected ETFs after the closure of my digiPortfolio?
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.
How do I set up a recurring top up instruction for my digiPortfolio?
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)
Can I modify my recurring top up?
Yes. You can modify your recurring top up via the digibank app by following these steps:
- Log in to the digibank app.
- From the home dashboard, tap on your digiPortfolio account.
- Scroll down and tap on ‘Your Recurring Top-Ups’ section.
- Tap on ‘Modify’ to modify your recurring top up instruction.
Please expect changes to be effective after 1 day.
How do I terminate my recurring top up instruction?
You may terminate your recurring top up instruction any time via the digibank app by following these steps:
- Log in to the digibank app.
- From the home dashboard, tap on your digiPortfolio account.
- Scroll down and tap on ‘Your Recurring Top-Ups’ section.
- Tap on ‘Terminate’ to terminate your recurring top up instruction.
Please expect the termination to be effective after 1 day. Any top ups scheduled for the same day will continue to occur.
digiPortfolio Management Fees
How are digiPortfolio Management fees calculated?
Calculation of Management Fees:
Portfolio Type | Asia Portfolio (0.75% p.a.) | Global Portfolio (0.75% p.a.) |
---|---|---|
Management Fee | S$7.50 a year for a portfolio value of S$1,000 | US$7.50 a year for a portfolio value of US$1,000 |
The prevailing GST is applicable on the management fee for the respective Portfolio type.
How much do I have to pay to invest in digiPortfolio?
There is only one fee.
Based on the portfolio value, the annual management fee is at 0.75% p.a. for both the Asia Portfolio and Global Portfolio. There are no other sales charges, platform fees, switching fees, withdrawal fees or closure fees.)
This management fee goes towards the research, investment strategy, market monitoring and rebalancing of the digiPortfolio and is charged once a year, or at the time of portfolio closure.
digiPortfolio Investment Strategy
What is the investment strategy of digiPortfolio?
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.
How are risks managed in digiPortfolio?
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.
How often is digiPortfolio rebalanced?
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.
How long should I remain invested in a digiPortfolio?
We believe that one should take a long-term view when investing to enjoy the benefit of compounded returns. Staying focused on long term targets will help investors overcome the anxieties caused by short term market volatility. A good guide is an investment cycle of 5 years.
Compounding generates additional gains by staying invested. In the illustration below, based on an initial investment amount of $10,000, a 6% annual return reaps $3,000 over 5 years if the investor withdraws the gains every year. If the investor did not withdraw the gains and stayed fully invested, the profit after 5 years would be $3,382 instead or $382 more.
Year | 1 | 2 | 3 | 4 | 5 | Cumulative |
---|---|---|---|---|---|---|
Simple | $10,600 | $11,200 | $11,800 | $12,400 | $13,000 | $3,000 |
Compound | $10,600 | $11,236 | $11,910 | $12,625 | $13,382 | $3,382 |
Short term investing requires good skill and timing to achieve success. However, this is difficult to execute during periods of volatility. The chart below is the MSCI World Index from 2013 to 2017. Suppose an investor started investing in 2013, he would have made some profit before meeting the rough patch in 2015. He may then decide to sell his investments to avoid further volatility. He may even wait a while before returning to the market. This may have meant missing out on the rally that proceeded in 2017. If he had stayed fully invested during the whole period, he could have benefited from the full 58% gain.
digiPortfolio vs Robo-Advisors
How is digiPortfolio different from Robo-Advisors?
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
What is a Robo-Advisor?
Robo-advisors are digital platforms driven by algorithms that provide automated financial planning services with little or no human supervision. A typical robo-advisor collects information from clients through an online survey, and then uses the data to offer advice and/or automatically invest client assets.
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 situation 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. 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, financial resources and entire investment programme.
We wish to inform you that the digiPortfolio Terms and Conditions have been updated and will take effect from 5 March 2021.
digiPortfolio Terms and Conditions
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