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 3.50% 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.


Fight inflation with digiPortfolio

Inflation can eat into your savings in a long run. Don’t worry, you can still relish the opportunity to grow your extra cash with digiPortfolio – a wide range of ready-made portfolios, built and managed by experts.

Invest, eat, repeat. Investing should be that easy for everyone – even for beginners. Leave it to the experts if you:

  • Want to invest simply and confidently
  • Don't have time to watch the market
  • Want experts to nurture your investment
  • Want a quick and easy way to diversify regionally or globally
  • Want to supplement other investments as part of your long-term strategy
 

Quick links to get you started:

 

Check out our chef’s specials:


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 expertise

To 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-technology

Nothing 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
(0.25% p.a.)

Income
(0.75% p.a.)

Asia
(0.75% p.a.)

Global
(0.75% p.a.)

Portfolio Value

S$100

S$/US$1,000

S$1,000

US$1,000

Management Fee

S$0.25
a year

S$/US$7.50
a year

S$7.50
a year

US$7.50
a year

 

Which portfolio should I pick?

  
     
 

What are the ingredients for each portfolio:

$100 to start
SGD

What is it:
  • Conservative fixed income only portfolio
  • 3 - 6 unit trusts, investing primarily in fixed income instruments
  • 0.25% p.a. flat management fee
For investors who:
  • Have a lower risk appetite and prefer returns to be less volatile
  • Are looking to invest to generate higher returns compared to regular cash deposit rates

$1,000 to start
SGD or USD

What is it:
  • A portfolio that generates regular income
  • Equity and bond unit trusts
  • 0.75% p.a. flat management fee
For investors who:
  • Seek regular quarterly payouts of 4% p.a. from investments
  • Prefer a portfolio consisting of familiar sectors such as REITs, Asian equities and bonds

$1,000 to start
SGD

What is it:
  • Portfolio of SG-listed ETFs investing across Asia with a Singapore focus
  • No pre-qualifications necessary to invest
  • 0.75% p.a. flat management fee
For investors who:
  • Are new to investing
  • Take comfort in home bias
Factsheet

$1,000 to start
USD

What is it:
  • Portfolio of UK-listed ETFs investing globally
  • 0.75% p.a. flat management fee
For investors who:
  • Want to stay invested for the long term within core, diversified portfolios aligned with the views from the DBS Chief Investment Office
Factsheet

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

     


Multiply Your Money

 

Frequently Asked Questions

The Income Portfolio aims to generate a stable payout of 4% p.a., to be paid out quarterly. You can choose to have the payouts credited directly to your MCA or reinvest them in your Income Portfolio. This portfolio comprises REITs, bonds and dividend equities that are screened and selected based on stringent criteria. The minimum investment starts at just S$1,000 or US$1,000.

The SaveUp Portfolio serves as a conservative approach to optimise your savings. It comprises primarily fixed-income instruments that are screened and selected based on stringent criteria, including average bond portfolio credit rating, average bond portfolio duration and currency denomination. The minimum investment starts at just S$100.

Simply login to digibank online and access ‘digiPortfolio’ via the ‘Invest’ menu / button.

  • Select the portfolio you wish to invest in.
  • Indicate your preferred risk level (only applicable for Asia and Global Portfolios) and funding account, funding currency and amount.
  • Then confirm your decision after checking that your order details are correct.

You will need a Multi-Currency Account with sufficient S$ or US$ to complete your transaction.


Regular investment helps investors to spread out their investment timing decisions and to make investing affordable. We will update you when this feature is made available.


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.


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

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.
You will need a Multi-Currency Account with sufficient S$ or US$ to complete your transaction.

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 online, 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. This selling process will take several days.


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.

digiPortfolio Management Fees

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

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

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.


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

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


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

 

Explore more

Thank you. Your feedback will help us serve you better.

Was this information useful?

That's great to hear. Anything you'd like to add?
We're sorry to hear that. How can we do better?
Enter only letters, numbers or @!$-(),.