Invest With Whom You Can Trust
All The Things You Get
From as little as S$50/month (or S$100 lump sum)
No Market Timing or Stock Picking
No Sales Charge
Know Your Risk Appetite
Build Your Portfolio
Manage Your Portfolio
Reach Out For Help
Why Invest In Us
Focus on Asset Allocation
Time in Market, Not Time the Market
Evidence-based Approach to Investing
Face-to-Face Advisory Process
Invest With Whom
You Can Trust
Joint Venture between NTUC Enterprise and Providend
NTUC Enterprise has almost 5 decades of doing good and serving Singaporean’s needs and Providend with close to 2 decades of ethical and best-in-class financial planning expertise.
It’s not the technology but who’s behind it
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Read Our Latest Investment Resources
I have been advising clients since 1998. Having gone through multiple financial crises , the greatest being the Global Financial Crisis in 2008, I know through experiences and with evidences, that in order to give clients a good investment outcome, the following steps...
On 22nd December last year, I invested the monies in my SRS account into one of the investment portfolios that Providend manages. About one month later on the 19th January, I went to check on how it has performed and to my pleasant surprise, it has grown 7.64%! I was...
There is a Singapore tradition of a huge Hongbao Toto Draw during the Chinese New Year season. This year, the draw is on 22 February 2019 for an eye-watering $12 million. You can already start to reserve bundled packs of tickets. Will you be buying a ticket? I did so...
A few days ago, Michael Burry, a fund manager whose massively successful bet against the US subprime housing market was dramatised in the film, “The Big Short”, said that passive investing was a “bubble” that had caused investors to neglect small caps and value...
If you have started your investment journey and are wondering how investment returns should be calculated, we have put together some materials that hopefully will help you understand returns better. Let’s start off with some basics. Simple Investment Return Adam...
Top Questions People Ask Us
Is MoneyOwl a Robo-advisor?
Why does MoneyOwl not choose Exchange-Traded Funds (ETFs)?
To Avoid the “Hidden” Costs of ETFs
As many ETFs are domiciled in the US, you may be subject to higher dividend withholding taxes compared to Dimensional funds which are domiciled in Ireland, as Ireland currently do not impose withholding tax for foreign investors.
No Fractional Shares
ETFs can only be bought and owned on a per-share basis. However, when investing in ETFs, your investment amount may not be able to purchase a full share of the ETFs. This may result in a drag on your investment returns.
Currency Exposure For Bonds
Many bond ETFs are not hedged back to Singapore dollars. This may add unnecessary volatility to your portfolio as the fluctuations of currency rates might be larger than the actual price movement of the bond ETF. This defeats the purpose of having fixed income in your portfolio which is meant to act as a stabiliser against price volatility.
What are the fees that I have to pay?
The total annual fees are as follows:
|MoneyOwl Advisory Fees||0.65% p.a.*
*Or your special promotional rate
|Platform Fees||0.18% p.a.
(Payable to iFAST)
|Fund Expense Ratio (Est.)||0.28% to 0.32% p.a.
(Payable to Dimensional Fund Advisors)
Learn more about our fees.