Imagine unlocking opportunities that most investors never see.
For investors ready to elevate their wealth strategy, becoming an Accredited Investor (AI) opens the doors to sophisticated solutions beyond the reach of retail investors.
Why Consider Becoming an Accredited Investor?
Accredited Investors are considered to be financially savvy and resourceful, and require less regulatory protection. In exchange, they enjoy:
- Exclusive access to sophisticated products: Including structured solutions such as equity-linked notes (ELNs), private assets, and DBS flagship solutions like the DBS I.D.E.A fund and the DBS CIO Barbell Note.
- Priority access to opportunities: Invest faster with greater flexibility in product choices thanks to reduced disclosure requirements. For example, product manufacturers may be exempted from producing an accompanied prospectus.
Markets, sectors and opportunities available to Accredited Investors
- Exclusive networking and investment briefings: AI only sessions designed to give you privileged insights and connections not typically available to retail investors.
- With DBS Treasures, you also get a seamless way to manage and act on these opportunities through the DBS Wealth Management Account (WMA) that gives you personalised ideas, portfolio view, and execution together in one place.
What Sets Accredited Investors Apart?
Accredited Investors vs Retail Investors
Feature | Accredited Investor (AI) | Retail Investor |
|---|---|---|
Access to products | Premium products like equity-linked notes, investment-grade corporate bonds, structured products, DBS I.D.E.A fund, CIO Barbell Note | Limited to standard retail investment products |
Diversification | Broader portfolio options tailored for different market conditions | Basic diversification through common instruments |
Priority access | Faster access to new investment products, i.e. product manufacturers are exempted from producing an accompanied prospectus | Must wait for full regulatory documentation |
Flexibility | Greater flexibility in product selection | Limited to MAS-regulated retail offerings |
Risk profile | Higher risk tolerance assumed; less regulatory protection | More regulatory safeguards; lower-risk products |
Advisory support | Enhanced advisory support from dedicated Relationship Managers and Investment Counsellors | Wealth planning advisory focusing on holistic financial well-being |
Who Qualifies?
According to the Monetary Authority of Singapore (MAS), you’ll need to meet any one of these criteria:
- Annual income of S$300,000 or more.
- Net personal assets exceeding S$2 million (primary residence capped at S$1 million).
- Net financial assets exceeding S$1 million.
- Hold a joint account with an Accredited Investor and invest with that account.
Review of AI Status
In Singapore, Accredited Investor status is valid for about 24 months. Most financial institutions require updated documents to re-confirm your eligibility, especially if you qualified based on income or assets that can change. If your financial situation changes, your status may not be renewed.
Understand the Risks
While Accredited Investor status unlock greater opportunities, some products may carry higher risks. That’s why expert guidance matters: Your Relationship Manager will help you assess suitability and manage risk effectively.
Some investors choose not to opt in as an Accredited Investor. Common reasons include:
- Limited exposure to sophisticated solutions, making sophisticated products feel unfamiliar.
- Lack of information, which can make complex products feel overwhelming.
If these resonate, remember that opting in gives you access to expert advisory support and educational resources to help bridge these gaps, so you can make informed decisions confidently.
Your Next Step
Ready to unlock smarter wealth strategies? Speak to your Relationship Manager today.
If you’re new to us, leave your details and we’ll get back to you.
If you need help finding your Relationship Manager, your digibank app can help. Simply log-in, tap on the question mark icon at the top right, select “Your Relationship Manager”, and choose whether to call or email them.
