At a Glance

Start affordably, anytime.

No time to study the market? No worries. Invest stress-free from as little as S$100.

No lock-in period.

Top up or redeem your investments as you choose, easily on digibank.

Invest based on your preference.

Choose from digiPortfolio, ETFs or Unit Trusts ​— whichever suits your needs.

If you’re looking to start investing, you might be asking these two questions: What should I buy, and when should I buy it?

With Invest-Saver, you don’t have to worry about either one. 

 

How does Invest-Saver work?

Invest-Saver is a regular savings plan that lets you invest a fixed sum regularly into your choice of investments, from as little as S$100 a month.

By making fixed investments regularly regardless of the market conditions, you automatically buy more units when prices are low, and fewer units when prices are high.

So over time, the average cost of your investment could potentially be lower versus a one-time, lump sum investment. This is known as dollar cost averaging.

What this means is you don’t have to stress over market fluctuations or monitor the market. By simply staying invested, you can potentially lower your average cost and catch opportunities over the long term! ​

First-jobber Alan has been looking for a hassle-free way to invest. He decides to use Invest-Saver, and invest a fixed sum of S$100 a month. Let’s say the price of the fund fluctuates over the next 8 months as follows:

For the same investment amount, Alan may have gotten more units at a lower average cost with an Invest-Saver plan, than if he had invested a lump sum.

 

Choose an investment that suits you

With Invest-Saver, you can choose to invest in diversified products such as digiPortfolio, ETFs or Unit Trusts.

This makes you less vulnerable to the highs and lows of each asset. For example, if one stock drops, the others can cushion the effect from the fall.

Take your pick based on your investment style, goal and risk appetite.

digiPortfolio

Key benefits:

Pick a digiPortfolio​

Exchange Traded Funds (ETFs)​

Key benefits:​

Pick an ETF​​

Unit Trusts (UT)​

Key benefits:​

 

Invest in a few taps​

digiPortfolio​

ETFs and Unit Trusts​

Login now

 

Frequently Asked Questions

Setting up, managing and redeeming Invest-Saver

You can set up a DBS Invest-Saver plan if you are:

  • At least 18 years of age on the date of application
  • Not a US Person (as defined in the Terms and Conditions Governing Investment in Funds)

digiPortfolio
Currently, we only accept individual Multi-Currency accounts and offer only individual digiPortfolios.

ETF & Unit Trust
You can set up a Invest-Saver plan using your joint-alternate Current or Savings account. However, the Invest-Saver plan will be in the sole name of the applicant.


Follow these steps to set up a recurring top up instruction for your digiPortfolio easily.

For new digiPortfolio customers

For existing digiPortfolio customers


You can set up recurring top up instructions for these digiPortfolios on the DBS digibank app.


  • If you are accessing DBS digibank via mobile application, follow the steps under Invest in a few taps ETFs and Unit Trusts.
  • 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 to carefully read the Prospectus and Product Highlights Sheet which contain details of your selected Fund

Step 5: Review Terms & Conditions and click on I Agree to confirm your Invest-Saver plan set up.


  • If you are accessing DBS digibank via mobile application, follow the steps under Invest in a few taps ETFs and Unit Trusts.
  • 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 or Update Unit Trust Regular Savings Plan (RSP) > Purchase Funds > go to Invest Using, choose Cash > key in Fund Name or search using Fund House, Currency, Asset Class, Risk Profile, Geography/Theme > Search for the list of UTs available

Step 3: Click on Info to view fund information > Click on Buy to purchase fund

You will need to complete the Customer Knowledge Assessment (CKA) to ascertain your knowledge in the risks and features of Unit Trust – an unlisted Specified Investment Product, before any online purchase.

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 to carefully read the Prospectus and Product Highlights Sheet which contain details of your selected Fund

Step 5: Review Terms & Conditions and click on I Agree to confirm your Invest-Saver plan set up.


digiPortfolio & ETF
For digiPortfolio & ETFs, there is no free look/cancellation period.

Unit Trust
For Unit Trusts, the free look/cancellation period is 7 calendar days from when the RSP is set up (only if it is in a scheme eligible for the free look).


digiPortfolio
Yes, you can modify your recurring top up instruction via DBS digibank mobile application by following these steps. However, take note that the changes would take 1 day to take effect.

Step 1: Login to DBS digibank.

Step 2: From the home dashboard, tap on your digiPortfolio account.

Step 3: Scroll down and tap on Your Recurring Top-Ups section.

Step 4: Tap on Modify to modify your recurring top up instruction.

ETF & Unit Trust
Yes, Invest-Saver portfolio is accessible 24/7 on DBS digibank.

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 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


Please ensure your designated DBS account is sufficiently funded prior to RSP subscription top-up execution.

digiPortfolio
If your recurring top up fails for 3 consecutive cycles, the instruction will be terminated automatically. Should you wish to reinstate the instruction, please log in to digibank mobile and set up a new recurring top up instruction for your digiPortfolio.

ETF & Unit Trust
Please ensure your designated DBS 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 Invest-Saver plan(s) after 2 consecutive unsuccessful deductions.


digiPortfolio
You can redeem your holdings anytime by internet browsers or mobile application.

Step 1: Login to digibank

Step 2: Select Invest, then click on digiPortfolio

Step 3: Click on Withdraw

Step 4: Input transaction details, click Next

Step 5: Review your transaction details before clicking Submit

For withdrawals, the proceeds will be automatically credited back to your selected crediting account.

ETF & Unit Trust

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.

You will receive a confirmation letter to confirm the amount of your redemption proceeds.


Only UT holdings can be redeemed in fractional units.


digiPortfolio
You can expect to receive the sales proceeds in about 5 business days for ETF-based digiPortfolios and about 10 business days for Income and SaveUp digiPortfolios based on regular market settlement timelines for ETFs/funds. Do note that the portfolio management fee will be deducted from the sale of your portfolio before the proceeds are credited to your Multi-Currency Account.

ETF & Unit Trust
Your account will be credited within T+7 business days from the date you submitted your redemption request.


No. Your RSP will still be active even after you have done a full redemption. To stop your RSP, you have to terminate the plan.


digiPortfolio
You may terminate your recurring top up instruction any time via digibank mobile application by following these steps. However, take note that it takes 1 day for the termination to take effect and any top ups scheduled for the same day will continue to occur.

Step 1: Log in to the digibank mobile application.

Step 2: From the home dashboard, tap on your digiPortfolio account.

Step 3: Scroll down and tap on Your Recurring Top-Ups section.

Step 4: Tap on Terminate to terminate your recurring top up instruction.

ETF & Unit Trust

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 on your termination request.


digiPortfolio, ETF & Unit Trust
Yes, you can terminate and leave the holdings in your account and redeem them at a later date. Alternatively, you have the option to reactivate your Invest-Saver plan again.

 

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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