New Product!
Fullerton MoneyOwl WiseIncome
A flexible income solution that caters to your changing financial needs
Start growing or receiving income through one of these ways:
Grow & Invest
Reinvest your payouts and watch your money grow.
Who is suitable
For those who want to build up assets to reap a higher payout later
Balance Growth with Income
Who is suitable
For those who want a balance between payouts and leaving a legacy for loved ones
Income Focused
Maximise your payouts. Receive 8% p.a. of your portfolio value from income (coupons, dividends), realised capital gains, and partially from your capital.
Who is suitable
For those who want to live to the fullest and maximise their fixed payouts
Take care of the future you by ensuring 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.
No matter what age you are, you can benefit from having a stream of passive income today. Use your quarterly dividends to pamper you and your loved ones, supplement your income as you take a step back from work or complement CPF LIFE as an additional source of retirement income.
Key Features
Specially created by MoneyOwl, WiseIncome provides a sustainable stream of income to supplement CPF LIFE payouts in retirement so your golden years can be meaningful and fulfilling.
Multi-asset portfolio with broad sources of returns for sustainable income
Flexible quarterly payout options with no lock-in period
Start as little as S$1,000 with Cash or SRS
Low fund-level fees, no sales charge and hidden trailer commissions
Build Your Portfolio
Adjust the values to preview how your portfolio will grow over the years
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.
Enjoy one of the lowest fund expenses
No sales charge or hidden trailer commissions ever. Every 1% p.a. you save is 1% p.a of returns for you!
| Industry | MoneyOwl | ||
|---|---|---|---|
| Sales Charges | 2% | 0% | |
| Advisory / Wrap Fees | 1.0% p.a. | Promo rate: 0.25-0.3% p.a. (until 31 Dec 2021) Standard rate: 0.5% to 0.6% |
|
| Platform Fees | 0.22% p.a. | Absorbed by MoneyOwl | |
| Fund Management Fees | 1.0% p.a. | 0.4% p.a. |
Deep heritage of care, expertise and stability
WiseIncome is co-created by Fullerton Fund Management and MoneyOwl, each with a deep heritage of care, expertise and stability. We’re here to stay for you and with you.
Portfolio highlights
WiseIncome is portfolio managed by Fullerton Fund, a subsidiary of Temasek Holdings that consists of:
Global Equities
Globally diversified stocks around the world. Boosts returns and capital growth.
S-REITS
Singapore listed investment trusts that invests and manages real estate in Singapore and overseas across multiple sectors. Provide rental yields to support income and potential for asset growth.
Asian Fixed Income
Investment grade corporate bonds issued by Asian based companies. Provides attractive yields to support income.
US / Singapore Bonds
High quality Singapore or US government issued bonds across all maturities. Provide stability and some yield for income.
Asset Class Historical Performance
Source
Source Bloomberg, as of 28 February 2021 in SGD terms with dividends (if any) reinvested, based on calendar month returns Measurement period from February 2014 to February 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 y ield data as of 5 March 2021 Asian bond yield represented by JACI Composite YTW, SG gov bonds by JACI Singapore YTW.
Download product highlights sheet here
Download prospectus here
Download latest WiseIncome fact sheet (December 2021) here.
More Information
| Inital offer period | 25 – 31 March 2021 |
| Inception date | 31 March 2021 |
| Initial issue price | SGD 1.00 per unit |
| 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 |
| Advisory fees (p.a.) | Promotional rate: 0.25-0.30% (until 31 dec 2021) 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 |
Start Receiving Passive Income
No matter your age, WiseIncome could benefit you with a stream of passive income. Kickstart your journey today with WiseIncome.
Got Questions?
Find out more on Frequently Asked Questions or get in touch with us.
Disclaimer:
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.
The information here does not consider your specific investment objectives, financial situation and needs. You should read the prospectus and seek advice from a financial adviser before investing. The value of units in the fund and any accruing income from the units may fall or rise. Past performance, prediction, or forecast is not indicative of future or likely performance. Any past payout yields and payments are not indicative of future payout yields and payments. Distribution (if any) may be declared at the absolute discretion of Fullerton Fund Management Company Ltd (UEN: 200312672W) (“Fullerton”), except for fixed distribution payout, and are not guaranteed. Distribution may be declared out of income and/or capital of the fund. Distribution out of capital may result in a partial return of your original investment and reduced future returns. Distributions (if any) may result in an immediate reduction of the net asset value per unit of the fund. If you choose not to seek advice, you should consider if the fund is suitable for you. The fund may use or invest in financial derivative instruments. MoneyOwl Pte Ltd, its affiliates and their directors and employees, do not accept any liability from the use of this information. This advertisement has not been reviewed by the Monetary Authority of Singapore.
