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From as little as S$50/month (or S$100 lump sum)
No Market Timing or Stock Picking
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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.
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Read Our Latest Investment Resources
Yesterday was the worst one-day in the US stock markets since 1987. To have an index almost 10% down in a single day is a very rare event. How do we think about rare events then, in relation to our investments? The first popular framework of thought is to look at...
To say that the stock markets have been volatile against the evolving global COVID-19 situation is an understatement. As of that is not enough, the failure of OPEC talks over the weekend of 7-8 March and subsequent oil price drops have added fuel to fire (pun...
What are the regrets of fund managers and advisers who are still in the profession today, when they think of 2008-2009? Overnight, US equities ended sharply lower in the Thursday trading session, with S&P 500 finishing down for a sixth straight session yesterday....
What should you rely on for your future retirement and goals?
The 24th and 25th days of March 2020 were two rare consecutive “green” days for the US markets since the COVID-19 sell-off began almost a month ago. From a low point of over -30% from the peak, the S&P500 was up a huge 9.4% on the first green day the expectation...
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.