At a Glance

Investment expertise digitally delivered, backed by robo-technology

Benefit from the DBS Investment Team’s intuition, insights and experience, powered by robo-technology for scale and efficiency.

Choose your preferred underlying investment tools

Choose regional or global portfolios in Funds or Exchange Traded Funds.

Top-up feature

Take advantage of market opportunities and top-up your portfolio at no minimum/maximum cap.

No lock-in period or early withdrawal penalty


Lean on our Security

Be assured as you invest directly with the bank. Get full transparency of portfolio holdings and performance.

Start your digiPortfolio

In just 5 clicks on DBS digibank


What is digiPortfolio?

digiPortfolio is a hassle-free, ready-made investment portfolio that is designed to give you instant global diversification, to help protect and grow your wealth.


Let us do the work for you

Invest, sleep, repeat. Investing should be that easy.

digiPortfolio is designed for you if:

  • You want investing to be straightforward
  • Don’t have time to track the market
  • Want professionals to manage your investment
  • Want to diversify your portfolio and get regional and/or global exposure
  • Use this as your long-term strategy to supplement your other investments

How did digiPortfolio come about?

While innovating for the future, we reviewed what was available in the market. And decided that we could deliver the next generation of robo-investing by combining intuition, insight and experience of the best investing minds in DBS with the always-on power of robo-technology.

Built by human expertise

Tapping on our elite team of portfolio managers previously only accessible to private banking clients, they carefully select funds to build quality portfolios to give you a simple and cost-effective way for an optimised, globally diversified portfolio.

Ensuring alignment with Chief Investment Office’s views for optimal asset allocation and portfolio resilience, they also monitor the market regularly and initiate rebalancing where necessary.

Powered by robo-technology

Nothing beats the speed of technology. So we used it to our advantage to create your portfolio instantly. Coded to automate processes such as back-testing, rebalancing and monitoring, we can deliver scale and efficiency, whilst allowing full transparency of all trade activities.


What portfolios can I choose from?

There are currently four portfolios available at different risk levels.
Log in to DBS digibank to learn more about our portfolios.

Funds-based digiPortfolio

Portfolio Type Global Portfolio
(0.75% p.a.)
Global Portfolio Plus
(0.75% – 0.85% p.a.)
Portfolio Value $1,000 $10,000
Currency Denominated SGD/USD SGD/USD
Management Fee $7.50 a year $85 a year
  Factsheet Factsheet

ETFs-based digiPortfolio

Portfolio Type Asia Portfolio
(0.75% p.a.)
Global Portfolio
(0.75% p.a.)
Portfolio Value $1,000 $1,000
Currency Denominated SGD USD
Management Fee $7.50 a year $7.50 a year
  Factsheet Factsheet

Details of Management Fee Calculation.


How are the portfolios constructed and managed?

Invest easily and with peace of mind, as you leave portfolio monitoring and trading decisions to our experts.

A collective effort of the best brains in DBS, quality portfolios with high-conviction underlying investment tools, monitor the markets, and rebalance the portfolios when necessary.

Portfolio Management for digiPortfolio


Getting Started

Start your digiPortfolio

In just 5 clicks.

  1. Log into DBS digibank and select the ‘digiPortfolio’ tab
  2. Choose your portfolio
  3. Indicate your preferred risk level
  4. Select the funding account, currency and amount
  5. Review your details and submit

Apply now

For DBS Treasures Private Client clients without a DBS digibank User ID and PIN

Get started

To open a DBS digibank account

Already have your DBS digibank User ID and PIN


To access DBS digibank

Forgot User ID or PIN

Not a DBS Treasures Private Client client?

Sign up

To gain access to DBS digibank

For a bespoke investment portfolio where you maintain full control of your portfolio while delegating the day-to-day management to portfolio specialists, visit our Discretionary Portfolio Management page.



Buy, Withdraw and Close portfolios

Simply login to DBS digibank and access the ‘digiPortfolio’ tab in the top navigation bar.

  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.
  Funds-based digiPortfolio ETFs-based digiPortfolio
Type of account needed DBS Wealth Management Account (WMA)
Eligible account type Individual/ Joint-alternate Individual
Investment Experience needed Customer Knowledge Assessment Customer Account Review (CAR) for Global Portfolios

How To Get Started

For DBS Treasures clients without a DBS digibank User ID and PIN

Get started To open a DBS digibank account

Not a DBS Treasures client?

Sign up To gain access to DBS digibank

Details of the underlying funds in each portfolio are available in the Portfolio Details page in DBS digibank. 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 fund 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 DBS digibank via internet banking to view details of your digiPortfolio and holdings.

Yes you can. You only need to maintain the minimum investment sum for your selected digiPortfolio.

It is also possible to withdraw your investment sum partially or fully. This may involve selling some or all of your holdings in the portfolio. The selling process will take several days.

After logging into DBS 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 funding 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 funding account. If you wish to remain invested in specific funds/ETFs, you will need to purchase them individually via the DBS Online Funds Investment platform in DBS digibank.

There are different digiPortfolios available on DBS digibank and digiBank. As the DBS digibank digiPortfolios (Unit Trust-based) were launched earlier, they have been linked to Multiplier and recognised as an investment component. We are currently working to link digiBank digiPortfolios (ETF-based) to DBS Multiplier and will provide updates in due course when this is ready.

You will need to top up your account by transfer or deposit.

You will need the following to invest in a digiPortfolio:

  • Access to DBS digibank – our digital wealth management platform

    For DBS Treasures Private Client clients without a DBS digibank User ID and PIN

    Get started To open a DBS digibank account
  • A DBS Wealth Management Account to manage your investments with ease.
    Contact me To open a WMA for trading.

Fees and Portfolio Management

Funds-based digiPortfolios

Portfolio Type Global Portfolio (0.75% p.a.) Global Portfolio Plus (0.75% - 0.85% p.a.)
Currency Denominated SGD/USD SGD/USD
Management Fee $7.50 a year for each $1,000
$85 a year
(0.85% for the first $10,000)

$320 a year
(0.80% for the next $40,000)

0.75% for portfolios more than $50,000
(as per portfolio value)

ETF-based digiPortfolio

Portfolio Type Asia Portfolio (0.75% p.a.) Global Portfolio (0.75% p.a.)
Currency Denominated SGD only USD only
Management Fee $7.50 a year for each $1,000
$7.50 a year (0.75% for the first USD$1,000)

There is only one fee.

Based on the portfolio value, the annual management fee is at 0.75% to 0.85% depending on the portfolio you choose. There will be no sales charge, platform fee, switching fee, withdrawal fee or closure fee.

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.

This portfolio management fee does not include the fund management fee charged by the underlying funds, which is already captured in the fund’s total expense ratio. The underlying funds are selected by our Investment Team for their strong track record and potential to outperform the market net of fund management fees.

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 fixed income (bonds) funds and equity funds. 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.

Funds are an efficient means to gain access to the markets.

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.

digiPortfolio Investment Strategy

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.

MSCI World Index Graph

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.

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 digibank Online 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.

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

The digiPortfolio Terms and Conditions have been updated and will take effect from 19 February 2024.

digiPortfolio Terms and Conditions

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