At a Glance

Easy to start

Start investing from S$100 with no sales charge, platform fees, lock-in period and early withdrawal penalty.

Choose your preferred underlying investment tools

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

Eligible category for bonus interest with Multiplier

Enjoy up to 4.1% p.a. on your DBS Multiplier Account when you invest an equivalent of SGD1,000 in either Funds-based or ETFs-based digiPortfolios. Find out more.

Rely on our expertise to handle the portfolio

Leave the portfolio building and rebalancing with us - the DBS Investment Team has an average of 17 years' experience. View how their portfolios have fared so far.

Lean on our Security

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

Access digiPortfolio on digibank

Just log in, select ‘Invest’ tab, and click/tap on digiPortfolio.

Wondering when to invest?​

Dollar cost averaging (DCA) allows you to invest a fixed amount over regular intervals. This spreads out your investment cost over the long term and helps you to stay invested regardless of how the market is performing.

Good news is, you can now set up a recurring top up for digiPortfolio. A simple one-time setup lets you invest on repeat, hassle-free!

How to set up?​

For new digiPortfolio customers:

  • Login to digibank app​
  • Tap on 'Invest' at the bottom, followed by the 'digiPortfolio' tile​
  • Explore available portfolios and tap on 'Pick this portfolio'
  • Select 'Yes!' to recurring top-ups.​
  • Input transaction details. Tap on 'Next'
  • Review your transaction details before tapping on 'Submit'​

For existing digiPortfolio customers:​

  • Login to digibank app​
  • Tap on 'Invest' at the bottom, followed by the 'digiPortfolio' tile​
  • Tap on 'Top up' and select 'Set recurring' at the bottom.
  • Input transaction details. Tap on 'Next'
  • Review your transaction details before tapping on 'Submit'​

Quick links to get you started:


Welcome to digiPortfolio

Investments for every appetite.

digiPortfolio is a hassle-free, ready-made investment portfolio that offers the perfect match of human expertise and robo-technology. And now, you can savour the opportunity to invest in a wider selection of portfolios.

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

To create the recipe for growth and a product unlike others in the market, we tapped our elite team of portfolio managers, whose expertise was previously accessible only to investment sums of S$500,000 and above.

Besides carefully selecting exchange traded funds (ETFs) to create quality portfolios, the team monitors the market regularly, aligning digiPortfolio with our Chief Investment Office’s views to ensure optimal asset allocation and portfolio resilience, and initiating rebalancing whenever necessary.

Powered by robo-technology

Nothing beats the speed of technology. So we use it to your advantage. digiPortfolio is coded to automate processes such as back-testing, rebalancing and monitoring. In doing so, we can deliver scale and efficiency, while giving every investor full transparency of trade activities.

Let our experts prepare a balanced portfolio for you.

Make your money work harder.

We took away all the sales charges, platform fees and switching fees. but we still need to pay our portfolio managers (and their years of experience) to curate and manage the portfolios.

Sample calculation of management free:

Portfolio Type

digiPortfolio SaveUp
(0.25% p.a.)

Global Portfolio Plus
(0.75% - 0.85% p.a.)

All other portfolios
(0.75% p.a.)

Portfolio Value




Management Fee

a year

a year

a year

Details of Management Fee Calculation


Which portfolio should I pick?

What are the ingredients for each portfolio:

  • Multi-asset, diversified portfolio of unit trusts
  • Asset allocation is adjusted automatically as you move towards your retirement age.
  • Managed by DBS, in collaboration with J.P. Morgan Asset Management.
  • 0.75% p.a. flat management fee
  • Factsheet

Find out more

  • Starting from SGD 100
  • Portfolio of 3-6 fixed income unit trusts
  • Conservative portfolio for investors who have a lower risk appetite and prefer returns to be less volatile
  • 0.25% p.a. flat management fee
  • Factsheet

  • Starting from SGD/USD 1,000
  • Portfolio of equity and bond unit trusts, aiming to generate stable payout of 4% p.a. (paid quarterly)
  • Income focused portfolio for investors seeking regular income
  • 0.75% p.a. flat management fee
  • Factsheet

  • Starting from SGD1,000
  • Portfolio of SG listed ETFs, investing across Asia with a Singapore focus
  • No pre-qualifications necessary to invest
  • 0.75% p.a. flat management fee
  • Factsheets

Global Portfolio
Global Portfolio
(Unit Trust)
Global Portfolio Plus
(Unit Trust)
Starting from USD 1,000 Starting from SGD/USD 1,000 Starting from SGD/USD 10,000

Portfolio of UK listed ETFs, investing globally

Portfolio of 4-6 unit trusts, investing globally

Portfolio of 8-10 unit trusts, investing globally and adjusted tactically to capitalise on market movements

0.75% p.a. flat management fees

0.75% p.a. flat management fee

0.75% - 0.85% p.a. tiered management fee, based on portfolio value


Invest via your Wealth Management Account

Invest via your Wealth Management Account

Factsheet Factsheet Factsheet

Annualised Simulated Return for past 10 years

based on portfolio risk levels

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 funds, monitor the markets, and rebalance the portfolios when necessary.

Discretionary Portfolio Management Team

Expertise 1: Construction & Management

1.Selects the best funds from DBS’s platform

2.Optimises risk and return trade-off

3.Constructs resilient portfolios

Chief Investment Office

Expertise 2: Strategy

1.Top-down evaluation of macroeconomic & investment environment

2.Provides strategic and tactical asset allocation views

Fund Selection Team

Expertise 3: Research

1.In-depth discussions with fund managers

2.Assesses each fund’s competitive advantage


How to get started

Access digiPortfolio on digibank

Browse our menu

Navigating your portfolio

Funding your portfolio

Get insights about your portfolio

Not a DBS Treasures client?

and get up to S$13,900.


Frequently Asked Questions

For FAQs on digiPortfolio, click here.

To find out more on Retirement digiPortfolio, visit this 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 Income / SaveUp digiPortfolio ETFs-based digiPortfolio
Type of account needed DBS Wealth Management Account (WMA)
Eligible account type Individual/ Joint-alternate Individual Individual
Investment Experience needed Customer Knowledge Assessment 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 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. Please ensure that your funding account remains open until the proceeds have been credited successfully as the selling process will take several days: for Funds-based/Income/SaveUp digiPortfolios, it will take between 7-10 business days while the process for ETFs-based digiPortfolios will require between 3-5 business days. These estimated timelines comprise of regular market settlement timelines for funds and ETFs.

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 DBS digibank.

Yes, investments in both Funds-based and ETFs-based digiPortfolio will count towards the investment category of your Multiplier account. For new investors, investments in either Funds-based or ETFs-based digiPortfolio will count towards the investment category of DBS Multiplier. For existing digiPortfolio holders, a minimum investment of SGD1,000 per transaction (or equivalent amount in USD) is required to qualify for DBS Multiplier.

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

You will need the following to invest in a digiPortfolio:

  • You will need a Wealth Management Account (WMA) in order to manage your investments with ease.
    Contact me To open a WMA for trading.
  • For funds-based digiPortfolios, you will need to transfer funds into WMA. Monies in your Savings/Current/Multi-Currency Account(s) cannot be access for buying a digiPortfolio.
  • For ETF-based digiPortfolios, you will need the following funding accounts, which can be opened instantly online. Please note that only individual accounts are eligible.
  • If you are intending to buy a USD digiPortfolio you will need to already have USD in your funding account. Otherwise, you can transfer USD from your Multi-Currency Account (MCA) or do a FX transaction into your WMA.

You can set up recurring top ups for digiPortfolio via the digibank app. Here's how:

For new digiPortfolio customers:

  • Login to digibank app
  • Tap on 'Invest' at the bottom, followed by the 'digiPortfolio' tile
  • Explore available portfolios and tap on 'Pick this portfolio'
  • Select 'Yes!' to recurring top-ups.
  • Input transaction details. Tap on 'Next'
  • Review your transaction details before tapping on 'Submit'

For existing digiPortfolio customers:

  • Login to digibank app
  • Tap on 'Invest' at the bottom, followed by the 'digiPortfolio' tile
  • Tap on 'Top up' and select 'Set recurring' at the bottom.
  • Input transaction details. Tap on 'Next'
  • Review your transaction details before tapping on 'Submit'

Recurring top ups can be made for these digiPortfolios:

  • Income Portfolio
  • SaveUp Portfolio
  • Asia Portfolio
  • Global Portfolio (ETF-based)

Yes. You can modify your recurring top up instruction via the digibank app by following these steps. However, take note that the changes would take 1 day to take effect.

  • Log in to the digibank app
  • Tap on 'Invest' at the bottom, followed by the 'digiPortfolio' tile
  • Select your portfolio
  • Scroll down and tap on 'Your Recurring Top-Ups' section
  • Tap on 'Modify' to modify your recurring top up instruction

You may terminate your recurring top up instruction any time via the digibank app 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.

  • Log in to the digibank app.
  • Tap on 'Invest' at the bottom, followed by the 'digiPortfolio' tile
  • Select your portfolio
  • Scroll down and tap on 'Your Recurring Top-Ups' section
  • Tap on 'Terminate' to terminate your recurring top up instruction

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)

The prevailing GST is applicable on the management fee for the respective Portfolio type.

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 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 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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