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!
Apply for eligible Protect or Grow products by 31 Oct 2025 |
Claim your Retirement digiPortfolio gift with S$68 credit from 15 to 30 Nov 2025 |
Enjoy 4% p.a. bonus credit when you invest up to S$12,000 till 30 Nov 2026 for selected products |
Eligible policies include:
Protect
Grow
Click here full qualifying product list
Keen to find out more?
To qualify, you must sign up on eligible products between 1 to 31 Oct 2025 to receive the following rewards:
Protect:
Eligible Products | Details |
---|---|
Regular premium protection plan with annual premium of at least S$500 | LifeReady |
Digital Critical Illness Plan | |
Pet Insurance |
Grow:
Eligible Products | Details |
---|---|
Regular premium participating or investment-linked plan with an annual premium of at least S$6,000
| Manulife FlexiRetire |
Single premium insurance plan of at least S$15,000 (excluding Manulife Goal series) | Manulife FlexiRetire |
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:
Eligible Products | Details |
---|---|
Regular premium participating or investment-linked plan with an annual premium of at least S$12,000 | Manulife FlexiRetire |
Policies issued after 7 Nov 2025 will be considered for the subsequent month’s promotion, if applicable.
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.
You are entitled 1 free portfolio gift regardless how many eligible products you have applied for.
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.
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 |
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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.
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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.