A flexible income solution that caters to your changing financial needs, jointly created by MoneyOwl and Fullerton Fund Management.

Licensed by

Monetary Authority of Singapore

Notice: MoneyOwl is winding down its financial advisory business and all commercial activities will cease by December 31, 2023. For more information, please visit our microsite here.

About WiseIncome

No matter your age, you can start establishing a sustainable retirement lifestyle with Fullerton MoneyOwl WiseIncome. This fund is specifically designed to provide you with a steady stream of passive income for the long term.

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MoneyOwl x Fullerton Fund Management

WiseIncome is co-created by MoneyOwl and Fullerton Fund Management, each with a deep heritage of care, expertise and stability. We’re dedicated to prioritising your financial well-being through our services.

Managed by Fullerton Fund Management, your WiseIncome portfolio will offer:

Global Equities

Globally diversified stocks around the world that boost returns and capital growth.


Singapore listed investment trusts that invest and manage real estate in Singapore and overseas. These provide rental yields to support income and potential for asset growth.

Asian Fixed Income

Investment grade corporate bonds issued by Asia-based companies.

US/Singapore Bonds

High-quality Singapore or US government-issued bonds across all maturities. Provides stability and some yield for income.

Investment-grade corporate bonds issued by Asia-based companies.

Asset Class Historical Performance

Source: Bloomberg, as of 31 December 2021 , in SGD terms with dividends (if any) reinvested, based on calendar month returns. Measurement period from February 2014 to October 2021. Global stocks represented by MSCI World Net Index, REITS by iSTOXX® Singapore Developed REITS Index, Asian bonds by JACI Composite SGD Hedged and Singapore government bonds by Markit iBoxx ALBI Singapore Government 7-10 TR Index. Current yield data as of 3 February 2022. Asian bond yield represented by JACI Composite YTW, SG gov. bonds by JACI Singapore YTW. Past performance is not indicative of future performance.

Secure a Meaningful and Fulfilling Retirement With WiseIncome

With a sustainable stream of passive income, WiseIncome will supplement your CPF LIFE payouts to ensure financial comfort in your golden years.

Multi-asset portfolio with broad sources of returns for sustainable income

Flexible quarterly payout options with no lock-in period

Start investing with as little as $1000, with either cash or SRS

Low fund-level fees, no sales charge and hidden trailer commissions

3 Ways to Start Building Your Cash Flow With WiseIncome

Grow & Invest

Balance Growth With Income

Income Focused

Build Your Portfolio

Enter amount up to $1M
Enter amount up to $50K
Enter years from 10 to 50
Payout needs 3 payouts for different retirement & other needs
Total payout received + portfolio value
Total invested
Total payout received +
portfolio value
Total invested $370,000
Total gain $468,231
NowYear 30$0$200K$400K$600K$800K$1M
YearPortfolio ValueTotal Payout
Year 2$36,304.790
Year 3$50,416.840
Year 4$65,209.990
Year 5$80,717.110
Year 6$96,972.660
Year 7$114,012.770
Year 8$131,875.290
Year 9$150,599.930
Year 10$170,228.290
Year 11$190,803.980
Year 12$212,372.740
Year 13$234,982.480
Year 14$258,683.450
Year 15$283,528.320
Year 16$309,572.300
Year 17$336,873.250
Year 18$365,491.850
Year 19$395,491.690
Year 20$426,939.430
Year 21$459,904.960
Year 22$494,461.530
Year 23$530,685.920
Year 24$568,658.640
Year 25$608,464.070
Year 26$650,190.650
Year 27$693,931.110
Year 28$739,782.650
Year 29$787,847.150
Year 30$838,231.420
Total payout received
Remaining portfolio

This graph illustrates the growth of your portfolio and the accumulated quarterly payouts over your selected investment period.

Total invested considers the amount of initial investment as well as the total monthly investments over your selected investment period. Total gain refers to the difference between the combined amount of payouts received and portfolio value, and total amount invested over your selected investment period.

It is assumed that the portfolio grows at a constant rate of 5.30% p.a. net of fund level fees and compounded monthly. Any dividend payout and advisory fees are subtracted from the portfolio on a quarterly basis. The amount of payout is based on the payout option chosen, i.e. 4.5% p.a. or 8.0% p.a., while advisory fees are assumed to be at 0.6% p.a. This graph is only for illustration purposes, and does not represent actual investor performance. Actual performance will vary due to changes in market conditions, differences in fees and deviation from intended payout rate.

4.5% p.a. payout - *While the fund manager intends to distribute 4.5% p.a. payout, the fund manager has the discretion to deviate from this including reducing payout to achieve sustainability of the fund in the interest of unit holders, or alternately, paying a higher rate of up to 4.8% p.a. in some years. Please refer to Fund Prospectus or Product Highlights Sheet for more information.

Distributions or payouts (if any) may be declared at the absolute discretion of the fund manager, except for the fixed 8% distribution payout and are not guaranteed. Distribution may be declared out of income and/or capital of the fund and may result in a partial return of your original investment and reduced future returns.

Fund Documents

Inital offer period: 25 – 31 March 2021
Inital offer period: 25 – 31 March 2021
Initial issue price: SGD 1.00 per unit
Island Trading Helen Bennett
Min. initial/subsequent subscripton amount: Minimum initial – SGD 1,000
Subsequent – SGD 100
Dividend payout (quarterly) : Class R: Distributing (with option to reinvest)
Class R1: Distributing. Fixed at 8% p.a.
Deal frequency : Daily
Dealing deadline: 3pm daily, Singapore time
Sales charge : No sales charge
Standard rate: 0.5-0.6%
Management fee (p.a): 0.4%
Investment mode: Cash/SRS
Subscription settlement : T+4 business days
Redemption settlement: T+8 business days
Fund dealings: No dealing and NAV publication on Singapore and Luxembourg public holidays

Joint Investment Account

Give your child or loved ones the gift of financial security by opening a joint investment account with them.

A joint investment account can be opened for any of MoneyOwl’s investment products (excluding SRS, CPF monies) with a minor (under 18 years old) or an adult.

Read our joint account FAQs here.

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Establish a Foundation of Wealth for Your Future

Frequently Asked Questions

The Fund manager holds about 30% of the sub-fund in Global Equities (made up of passive index tracking ETFs), 30% in Singapore REITs, 28% Asian Credit (mostly investment-grade Asian corporate bonds), 10% in Singapore Government Bonds and 2% in cash.

Unlike its peers, the portfolio is constructed with a strategic asset allocation strategy, which means that the weights of the underlying funds are unlikely to change although the fund manager has the discretion to allow a drift of +/- 5% deviation from the portfolio’s target allocation (+/-10% between the two large asset classes in times of extreme market conditions)  for efficient portfolio management.

There is no option to change the asset allocation for this portfolio.

For share class R (i.e. 4.5% payout option):

The fund will declare a quarterly distribution of about 4.5%* p.a. (i.e. 1.125% per calendar quarter) of the portfolio value with potential to distribute up to 4.8%* p.a. during periods of outperformance. This dividend will be paid out of income received by the fund and/or capital. The fund manager has full discretion to vary the payout rate to sustain the longevity of the fund. For this share class, there is a choice to either receive or reinvest the payouts.

For share class R1 (i.e. 8% payout option):

The fund will declare a fixed quarterly distribution of 8% p.a. (i.e. 2% per calendar quarter) of the portfolio value out of the income received by the fund and/or capital. The amount paid out of capital, if any, would be substantially higher than the *4.5% payout option and over time could lead to a reduction of the portfolio value. There is no option to reinvest the payouts for this share class.

*While the fund manager intends to distribute 4.5% p.a. payout for the R share class, the fund manager has the discretion to deviate from this including reducing payout to achieve sustainability of the fund in the interest of unit holders, or alternately, paying a higher rate of up to 4.8% p.a. in some years.

Please refer to Fund Prospectus or Product Highlights Sheet for more information.

Yes. You can set up as many as you want with your choice of payout options. Further personalise them by renaming your portfolios.

There is no lock-in period for WiseIncome. However, we do advise our clients to have a minimum holding period of at least 8 years to minimise the risk of loss. Please follow these steps to redeem your investment from WiseIncome:

Step Details

Log in to your MoneyOwl Account


Click on “WiseIncome Portfolio”

3 Select the portfolio that you would like to redeem from
4 Click on “More” at the top right corner of the screen
5 Select the “Withdrawal” option
6 Submit a request to redeem from Portfolio to Cash Account or Portfolio to Bank Account

Your proceeds will be credited into your cash account or bank account accordingly within 7-8 business days.

TER for both share classes comprises of annual management fees of 0.4% p.a. and other fund level fees required to run the fund. It is ranked in the lowest quartile in terms of management fees for multi-asset and target return funds registered in Singapore, based on Morningstar Direct*. As this is a newly launched fund, we are not able to provide the full TER of the fund as this is dependent on fund size. TER is not deducted from units but is implicit; its impact is incorporated into the Net Asset Value of the sub-funds and reflected in fund performance. *Source: Morningstar Direct, as of 31 December 2020. Morningstar universe includes 104 ‘Allocation’ and ‘Target Date’ funds under the EAA Morningstar category, with available management fee data that are registered for sale in Singapore.

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