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Your investment journey starts here, with DBS

Investing or insuring is easier than you think, and we're giving you extra motivation to start with not one, but two rewards!

From now until 31 October 2025, invest or insure with us to receive S$68 in Retirement digiPortfolio credits. Plus, unlock additional 4% p.a. bonus credit when you invest up to S$12,000 in your new Retirement digiPortfolio.

Your journey to better financial well-being begins by turning on a good habit. Start yours and enjoy twice the payoff today!

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Apply for eligible Protect or Grow products by 31 Oct 2025

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Claim your Retirement digiPortfolio gift with S$68 credit from 15 to 30 Nov 2025

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Enjoy 4% p.a. bonus credit when you invest up to S$12,000 till 30 Nov 2026 for selected products

How to qualify
Claim gift
Earn 4% p.a. bonus

Apply for eligible policies by 31 Oct 2025, to be issued by 7 Nov 2025.

Eligible policies include:

Protect

  • Regular premium protection plan with annual premium of at least S$500
  • Digital Critical Care Illness Plan (eCriticalCare)
  • Pet Insurance (Pawsome Protect)

Grow

  • Regular premium participating or investment-linked plan with an annual premium of at least S$6,000
  • Single premium insurance plan of at least S$15,000 (excluding Manulife Goal series and RetireSavvy)
  • Cumulative CIO Insights Funds investments of at least S$10,000 (excluding CPF and SRS investments)

Click here full qualifying product list

Keen to find out more?

Speak to a Wealth Planning Manager

Frequently Asked Questions

How do I qualify for this promotion?

To qualify, you must sign up on eligible products between 1 to 31 Oct 2025 to receive the following rewards:

  1. Retirement digiPortfolio Gift with S$68 credit: This is a global portfolio offering higher growth potential through equities when you are young and automatically derisks towards bonds as you age.

Protect:

Eligible Products

Details

Regular premium protection plan with annual premium of at least S$500

LifeReady
ManuProtect Decreasing
ManuProtect Term
Manulife Early CompleteCare

Digital Critical Illness Plan

eCriticalCare

Pet Insurance

Pawsome Protect

Grow:

Eligible Products

Details

Regular premium participating or investment-linked plan with an annual premium of at least S$6,000

 

Manulife FlexiRetire
Manulife GrowSecure
Manulife InvestReady
Manulife IncomeBoost
Manulife IncomeGen
Manulife IncomeSecure
Manulife Spring
Manulife SmartRetire
ReadyBuilder
SavvyEndowment

Single premium insurance plan of at least S$15,000 (excluding Manulife Goal series)

Manulife FlexiRetire
ReadyBuilder
SavvyEndowment 22

Unit Trusts

Cumulative CIO Insights Funds investments of at least S$10,000 (excluding CPF and SRS investments)

If you have purchased a regular premium participating or investment-linked plan with an annual premium of at least S$12,000, you will enjoy an additional reward:

  1. 4% p.a. Bonus Credit on Your First S$12,000 of Retirement digiPortfolio Holdings: Top up your portfolio to enjoy bonus credits.

Eligible Products

Details

Regular premium participating or investment-linked plan with an annual premium of at least S$12,000

Manulife FlexiRetire
Manulife GrowSecure
Manulife InvestReady
Manulife IncomeGen
Manulife IncomeSecure
Manulife Spring
Manulife SmartRetire
ReadyBuilder

What if my policy is incepted after 7 Nov 2025?

Policies issued after 7 Nov 2025 will be considered for the subsequent month’s promotion, if applicable.

How do I redeem the S$68 digiPortfolio gift, and where will the S$68 go?

You can expect to receive a notification (digibank push notification or email) from us between 15 to 30 Nov 2025 with instructions on how to claim your S$68 gift on digibank. Once claimed, you will receive a Retirement digiPortfolio within 2 weeks.

The S$68 gift will be credited directly into your Retirement digiPortfolio, DBS’ discretionary portfolio services for investors. The Retirement Portfolio is managed by DBS in collaboration with J.P. Morgan Asset Management and follows a ‘Glidepath’ strategy. This strategy provides higher equity exposure when you’re younger and gradually shifts to bonds as you approach retirement to reduce risk.

Read more about Retirement digiPortfolio here.

If you already hold an existing Retirement digiPortfolio, the S$68 gift will be topped up directly into this portfolio.

Do note that if the claim is not made on digibank by 31 Nov 2025 (date inclusive), you will not receive the gift.

If I apply for more than 1 eligible product, how many free portfolio gifts am I entitled to?

You are entitled 1 free portfolio gift regardless how many eligible products you have applied for.

How do I redeem the 4% p.a. bonus credit, and where will the bonus credit go?

The 4% p.a. bonus credit is calculated daily based on your holdings in the Retirement Portfolio, capped at S$12,000, till 30 Nov 2026.

If you have purchased a regular premium participating or investment-linked plan with an annual premium of at least S$12,000, you can enjoy 4% p.a. for 12 months on your holdings in Retirement Portfolio, capped at S$12,000, till 30 Nov 2026.

After which, we will calculate the amount of bonus credits you are entitled to, and it will be credited directly into your Retirement Portfolio. If you have more than one Retirement Portfolio, the credit will be applied to the most recently created portfolio.

Also, you can still earn the 4% p.a. bonus credit even if you did not claim the S$68 gift! Simply open a Retirement Portfolio via digibank and top up to enjoy the reward.

If I qualified for 2 months in a row, how much bonus credits will I receive?

Great news – you’ll earn more bonus credit! For example, if you qualify for the 4% p.a. Bonus promotions in both Aug and Sept 2025, the Gift calculation during the overlapping Observation Periods will be subject to an incremental S$12,000 cap i.e. S$24,000 AUM cap instead of the S$12,000 AUM cap. For example:

Promotion Period

Observation Period

Overlapping Observation Periods

Oct 2025

15 Nov 2025 to 30 Nov 2026

15 Nov 2025 to 31 Dec 2026

Nov 2025

15 Dec 2025 to 31 Dec 2026

 

Disclaimers and Important Notice

The information herein is published by DBS Bank Ltd (“DBS Bank”) and is for general information only and should not be relied upon as financial advice. This publication may not be reproduced, reposted or communicated to any other person without the prior written permission from DBS Bank.

This information does not take into account the specific investment objectives, financial situation or needs of any particular person. Before entering into any transaction involving any product mentioned in this information, where applicable, you should seek advice from a financial adviser regarding its suitability for your own objectives and circumstances. If you choose not to do so, you should make an independent assessment and do your own due diligence on the product.

This advertisement has not been reviewed by the Monetary Authority of Singapore.

The information in this website is for information only. The information and opinions contained in this publication has been obtained from sources believed to be reliable, but DBS makes no representation or warranty as to its adequacy, completeness, accuracy or timeliness for any particular purpose. Opinions and estimates are subject to change without notice.

DBS Bank, its related companies, their directors and/ or employees may have positions or other interests in, and may effect transactions in the product(s) mentioned here. DBS Bank may have alliances or other contractual agreements with the provider(s) of the product(s) to market or sell its product(s). Where DBS Bank’s related company is the product provider, such related company may be receiving fees from investors. In addition, DBS, their directors and/ or employees may also perform or seek to perform broking, investment banking and other banking or financial services for these product providers.

Any past performance, projection, forecast or simulation of results is not necessarily indicative of the future or likely performance of any investment. There is no assurance that the credit ratings of any securities mentioned in this publication will remain in effect for any given period of time or that such ratings will not be revised, suspended or withdrawn in the future if, in the relevant credit rating agency’s judgment, the circumstances so warrant. The value of any product and any income accruing to such product may rise as well as fall. Foreign exchange transactions involve risks. The reader should note that fluctuations in foreign exchange rates may result in losses in foreign exchange. To the extent permitted by law, DBS accepts no liability whatsoever for any direct indirect or consequential losses or damages arising from or in connection with the use or reliance of this publication or its contents.

The information herein is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation. DBS Bank (Company Registration. No. 196800306E) is an Exempt Financial Adviser as defined in the Financial Advisers Act and regulated by the Monetary Authority of Singapore.

Disclaimer: Life insurance is not a savings or fixed deposit product. Buying a life insurance policy is a long-term commitment. For regular premium policy, regular payments are required to service the premiums throughout the policy term. An early termination of the policy usually involves high costs and the surrender values payable may be less than the total premiums paid.

DBS Investment Disclaimer

 

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