Get reliable returns on your money –  without guesswork or stress

Invest your cash or SRS funds into specially curated portfolios for steady and reliable long-term returns.

Start Investing

Get reliable returns on your money – without guesswork or stress

Invest your cash or SRS funds into specially curated portfolios for steady and reliable long-term returns.

Start Investing

Investing Wisely Made Easy

We believe that wise investing isn’t about over-promising high projected returns or getting access to a bewildering slew of investment products. It’s about getting sufficient and reliable returns to meet your financial goals. We only curate fit-for-purpose and low-cost solutions that harness the power of markets, with no market-timing or stock-picking involved.

Important Notice for using our Fund Management Service

Dimensional
  • Enjoy long-term capital growth by harnessing the power of markets with our globally diversified portfolios

  • Evidenced Based portfolios investing in high-quality investments with great potential for capital appreciation

  • Low-cost funds with Total Expense Ratio averaging 0.29% p.a.

  • Start investing from as little as S$50/month or S$100 one-off

  • Advisory fees from as low as 0.5% p.a.


    • Explore Dimensional

    WiseIncome
  • Receive a stream of passive income for the long term, with potential capital appreciation

  • Portfolio of global equities, Asian bonds, S-REITS and government securities, delivering a blend of stable income and global growth.

  • Advisory fees from as low as 0.25% p.a.

  • No sales charges

  • No lock-in period


    • Explore WiseIncome

    WiseSaver
  • Park your spare cash in a savings fund that offers a higher interest rate than fixed deposits

  • Liquidity with no lock-in period

  • Start saving from as little as S$10

  • No sales charge, advisory, or platform fees


    • Explore WiseSaver

    CPF Portfolio
  • Earn higher than 2.5% p.a. returns on your CPF OA savings in the long run by harnessing the power of markets with our globally diversified portfolios

  • Track the growth of MSCI World Index, which represents more than 1,500 companies in the developed world

  • Low-cost funds with Total Expense Ratio averaging 0.4% p.a.

  • 0% advisory fees till 31 Dec 2022 (thereafter 0.4% p.a.)

  • Start investing from as little as S$200/month or S$1000 one-off


    • Explore CPF Portfolio

    Why Invest With Us

    Harness the power of markets, without guesswork or stress

    We believe that investing should give you the best probability of meeting your goals. As such, we set out to find a reliable solution that is backed by financial science and deep expertise. However, not many funds made our cut. The few funds we have chosen are simple yet best-in-class: globally diversified and exposed to well-researched drivers of return. This lets you reap the rewards that long-term capital markets give to investors without having to bet on fund manager’s skill or luck. And our funds have some of the lowest expense ratios too!

    Curated investment solution sets, each fit for a purpose

    Be it wealth accumulation or decumulation, we built the most fit-for-purpose investment options for you. Looking to beat inflation and grow your net worth? How about building a steady stream of passive income for your golden years? Either way, we have just the solution you need to get started.

    An NTUC social enterprise that is here to stay

    We make investing easy, like many fintech start-ups do. But we are so much more. Digital investing may be new, so it is important to look at who’s behind the tech. As an NTUC social enterprise, you can trust that we’ll stick around to make an enduring social impact for ordinary Singaporeans.

    Convenient and secure transactions

    We’re not just an NTUC social enterprise or MAS-licensed fund manager. We have been ISO27001-certified since March 2019 and we’ve received the SBR Technology Excellence Award. Rest assured that your buy and sell transactions on our platform are convenient and secure.

    Trusted and real human advice, not just a roboadviser

    You can do everything online, but if you need to talk about your investments, we are here for you. Beyond our client experience team, we have our large team of licensed, full-time client advisers as well. Most of them are on the internationally recognised Certified Financial Planner® programme who can integrate investments into a holistic financial plan for you.

    Start Investing

    Our Investment Philosophy

    Investment is not an end in itself. It serves the purpose of your overall financial plan, which in turn serves your life goals. To do this, we will recommend you a suitable asset allocation based on your need, ability and willingness to take risk.

    Meeting your goals is more important than risking them for a short-lived boost to your fund manager’s ego. We do not attempt to maximise short-term returns but focus on getting sufficient returns in the most reliable manner for you. We adopt a market-based investment philosophy that is backed by logic and evidence and which harnesses the power of markets.

    We diversify globally across countries, sectors and companies. We want to own the whole market, so we avoid concentrated risks in the losers and always hold the winners of the day in your portfolio. We do this because the evidence shows that there is no reliable way of consistently picking the big winners all the time, especially given the high costs involved.

    We don’t time the market or shift asset allocations based on short-term economic or market data. This isn’t a reliable way to achieve consistent returns. Instead, as your risk coaches, we help you stay disciplined and invested in order to capture market returns over the long-term.

    We keep your investing costs low by using only low-cost funds. There are also no sales charges or trailer commissions from the fund managers. These savings translate into higher returns to you and are very significant when compounded over time.

    Read about our investment philosophy

    Investment is not an end in itself. It serves the purpose of your overall financial plan, which in turn serves your life goals. To do this, we will recommend you a suitable asset allocation based on your need, ability and willingness to take risk.

    Meeting your goals is more important than risking them for a short-lived boost to your fund manager’s ego. We do not attempt to maximise short-term returns but focus on getting sufficient returns in the most reliable manner for you. We adopt a market-based investment philosophy that is backed by logic and evidence and which harnesses the power of markets.

    We diversify globally across countries, sectors and companies. We want to own the whole market, so we avoid concentrated risks in the losers and always hold the winners of the day in your portfolio. We do this because the evidence shows that there is no reliable way of consistently picking the big winners all the time, especially given the high costs involved.

    We don’t time the market or shift asset allocations based on short-term economic or market data. This isn’t a reliable way to achieve consistent returns. Instead, as your risk coaches, we help you stay disciplined and invested in order to capture market returns over the long-term.

    We keep your investing costs low by using only low-cost funds. There are also no sales charges or trailer commissions from the fund managers. These savings translate into higher returns to you and are very significant when compounded over time.

    Read about our investment philosophy

    Why Trust Us?

    As an NTUC social enterprise, our mission is to do good and to do right by you. For decades, the NTUC and its social enterprises have been passionate about helping the ordinary people make a better living and to live a matter life. We have your best interests at heart and have no hidden agenda. This translates into investment options that allow you to grow your wealth steadily for a fulfilling and comfortable retirement.

    We’re also backed by Providend Holding, Singapore’s first fee-only financial adviser that’s well-known in the industry for its deep expertise in comprehensive financial planning and for championing ethical advice. Providend is well-respected for its integrity and experience and has been called upon to serve on committees such as the CPF Advisory Panel and to support national financial literacy efforts.

    Start Investing

    As an NTUC social enterprise, our mission is to do good and to do right by you. For decades, the NTUC and its social enterprises have been passionate about helping the ordinary people make a better living and to live a matter life. We have your best interests at heart and have no hidden agenda. This translates into investment options that allow you to grow your wealth steadily for a fulfilling and comfortable retirement.

    We’re also backed by Providend Holding, Singapore’s first fee-only financial adviser that’s well-known in the industry for its deep expertise in comprehensive financial planning and for championing ethical advice. Providend is well-respected for its integrity and experience and has been called upon to serve on committees such as the CPF Advisory Panel and to support national financial literacy efforts.

    Start Investing
    How It Works

    Know Your Risk Appetite

    Share with us your financial situation and goals, and get your risk appetite assessed.

    Build Your Portfolio

    Build your portfolio based on your recommended risk appetite with ease.

    Manage Your Portfolio

    Access and manage your portfolio anytime, anywhere. It is as easy as 1, 2, 3.

    Reach Out For Help

    Reach out to our advisers to answer any of your questions. Sometimes, nothing beats that human touch.
    Start Investing

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