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Automatic investment plan

1. Automatic Investment Plan 

1.1 Automatic Investment Plan

An automatic investment plan (AIP)  is an investment program that allows investors to contribute money to an investment account at regular intervals. For instance, you may invest 1,000 USD in selected funds on the 1st day of every month to spread capital and reduce overall investment risks. 

1.2 Redemptions

Funds under AIP can still be subscribed and redeemed at any time.

2. Set Up an AIP

2.1 Automatic Investment Account

Universal accounts and bank cards(DBS/POSB) can be used to create AIPs

2.2 Investment Frequency

Four payment frequency is available: monthly, biweekly, weekly, daily.

2.3 Investment Failure

The investment will fail if you have insufficient funds in the paying account.

2.4 Rebuy 

You can choose to "rebuy" on the investment details page after the investment failure.

2.5 AIP with Invest Now

When creating an AIP, there is an option: "Invest Now".

  1) Not selecting "Invest Now" means that investments will be initiated according to the selected payment frequency.

  2) Selecting "Invest Nowt" means that when you create an AIP, the first deduction will be triggered immediately and the subsequent investments will be initiated according to the selected payment frequency.

3. Payment

3.1 Payment

The debit date is usually selected when creating the AIP; but when there is a non-trading day, the debit date will be moved to the next trading day.  

3.2 Failed to Pay

There will be no penalty if your account fails to pay; but the AIP will be automatically terminated if too many failures occurred.

4. Modifications of AIP

4.1 Modifications

The following items can be modified: payment account, payment amount and investment frequency.

4.2  Unlimited Modifications

There is no limit to the number of times of modification.

5. Suspension of AIP

5.1 Suspension

You may suspend the going AIP at any time.

5.2 Reinstatement

A suspended AIP can be restarted at any time.

6. Termination of AIP

6.1 Reinstatement

A terminated AIP cannot be restarted, but you may start a new plan. Multiple AIPs are supported for a single fund.