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Invest Wisely With MoneyOwl's Dimensional Portfolios

MoneyOwl’s portfolios constructed with Dimensional Fund Advisors’ (DFA) unit trusts are a low-cost, globally diversified and evidence-based way to grow your money. We’ll match you to one of five portfolios most suited to your risk appetite. Start your investment journey with as little as $100 (or $50 monthly) with no lock-in. 

About Dimensional Fund Advisors

Unlike the forecasting method of conventional investment firms, Dimensional Fund Advisors apply a more objective approach to evaluating markets. Our Dimensional portfolios rely on scientific financial insights as opposed to individual guesswork and predictions, offering you a safe and reliable way to grow your money.

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Benefits Of Investing In The Dimensional Fund

Dimensional investing puts your needs first, rather than chasing high performance portfolios and trends.

Better Long-Term Performance

DFA pursues drivers of higher expected returns that research has proven to be persistent, robust, pervasive and logical. Based on a foundation of market-based returns, DFA employs systematic tilts to the dimensions of value, small caps and profitability to deliver better performance over the long term.

Broad Market Exposure

DFA captures market-based returns as a starting point by holding a large diversified range of securities in their funds. Instead of trying to pick stocks, sectors or countries based on forecasts, DFA relies on the dimensions of higher expected returns to provide opportunities for outperformance.

Low Cost

While the total expense ratios for active funds can be as high as 1.67% p.a., our portfolios’ fund-level fees hover around 0.30% p.a.. DFA achieves this by minimising costs of operations and patient trading, leveraging on huge economies of scale.

The Five Portfolios

Our portfolios are created using Dimensional Fund Advisors’ funds, which are backed by decades of research and cater to varying levels of risk appetites.


Projected returns are based on the average historical 20-year rolling period returns of Dimensional Global Core Equity Index, Dimensional Emerging Markets Adjusted Large Cap Index & FTSE World Government Bond Index 1- 5 Years (hedged to SGD) from 1994 to 2022 and Bloomberg Global Aggregate Bond Index (hedged to SGD) from 2000 to 2022. Please note that past performance is not a guarantee of future results.

Projected returns are calculated after deducting fund level fees, which range between 0.25% and 0.27% p.a., and net of advisory fees of 0.6% p.a.

Past performance is not an indicator of future performance.

Frequently Asked Questions

The total returns are based on time-weighted return approach, which is calculated by multiplying the daily returns of your portfolio and linking them together to show how the returns are compounded over time. It shows you how much $1 of your investment would have grown throughout your investment period, without considering the size and timing of interim cash inflows or outflows. This is in line with how fund managers measure the performance of their funds.

Mathematically, if the period 1 return on your investment is represented by r1, and period 2 is represented by r2 and so on, the Time-Weighted Return is determined by the formula below: Total Returns = [(1+r1) (1+r2) (1+r3) (1+r4) .... (1+rn)] – 1


Suppose Peter invests $10,000 into a portfolio on 1 Jan. On 1 July, his portfolio is valued at $11,500 and at this point he adds another $1,000 bringing his portfolio value to $12,500 ($11,500 + $1,000). By the end of the year, the portfolio has decreased in value to $12,000.

Period Return (1 Jan to 30 Jun) = ($11,500 - $10,000)/$10,000 = 15%

Period Return (1 Jul to 31 Dec) = ($12,000 - $12,500)/$12,500 = -4%

Therefore, the Time-Weighted Return during this entire period (1 Jan to 31 Dec) is 10.4%, which is computed by geometrically linking the returns of the two periods, i.e. [(1+0.15) (1-0.04)] - 1 = 10.4%

You can login to your MoneyOwl Investment Account to submit a top-up request:

  1. Login> Under Investment and Savings Card> Select one of the portfolios
  2. Click ‘Top Up’
  3. Select the portfolio from the drop-down list> Enter the funding amount

  • For cash investment, the top up request will be processed when there are sufficient monies in your Cash Account.
  • For SRS and CPF OA  investments, the top up request will be processed immediately.

For Dimensional/ WiseIncome/WiseSaver Portfolios, the minimum withdrawal amount is $50.

For CPF Portfolios, the minimum withdrawal amount is $200.

Your sell request will be processed at 3pm on the current business day if we received your sell request before 3 pm. If your sell request is received after 3pm, the request will be processed at 3 pm the next business day.

iFAST Financial Pte Ltd provides custodial and transfer agent services to MoneyOwl. Please refer to for full details of their licence.

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