OCBC RoboInvest | Robo Advisor Singapore (2024)

Invest in what you believe in with RoboInvest

Performance data is as of 31 January 2024.

Refer a friend and get S$20 worth of OCBC RoboInvest management fee credits!

For every friend you invite, you’ll both get S$20 worth of OCBC RoboInvest management fee credits. What’s more, you can refer as many friends as you like!

Earn a projected dividend payout of 5.49% p.a.* with the Income Portfolio

Eligibility requirements

Defensive

The defensive portfolio is targeted at investors who primarily seek current income. Majority of the portfolio (75%) is allocated to bonds. Only 20% of the portfolio is allocated to equities for modest capital appreciation. The portfolio also has a modest allocation (5%) to Gold.

Cautious

Targeted at investors who seek yield, but are willing to sacrifice some certainty for potential higher returns from capital gains.

Bonds form about 60% of the portfolio, with some exposure to Emerging market bonds.

Allocation to US High Dividend stocks provides opportunity for yield as well as capital appreciation.

Allocation to equities and gold provides opportunities for capital appreciation, albeit at higher risks.

Balanced

For the balanced porfolio, about 40% of the portfolio is comprised of bonds, with about 10% allocation to Emerging Market bonds.

Allocation to Equities (50%) provides opportunities for capital appreciation, albeit at higher risk.

Allocation to US dividend yield ETFs (10%), offer alternate sources of yield in addition to capital appreciation.

The allocation to Gold (10%) is through the Gold ETF (IAU US).

Stable Singapore Giants

The Stable Singapore Giants thematic basket is designed to capture the performance of large cap stocks with relatively low volatility listed on the Singapore Exchange. In addition, stocks trading at a relatively high valuation are also screened out.

The stocks in the basket are equally weighted and the basket is benchmarked against the SPDR Straits Times Index ETF.

All Weather

The All Weather portfolio is a portfolio allocation strategy that has historically performed, and is expected to perform, reasonably well across different economic and inflationary environments. It is as simple as holding four different assets (equities, gold, long term bonds and short term bonds) each of which does well in a particular environment when (1) inflation rises, (2) inflation falls, (3) growth rises, and (4) growth falls. The long term investment objective is suitable for medium and low risk investors and is ideally suitable for investors who believe in maintaining conservative profiles and weathering market volatility.

Stable Aussie Giants

The Stale AUSSIE Giants thematic basket is designed to capture the performance of large cap stocks with low volatility in the All Ordinaries Index. In addition, stocks trading at a relatively high valuation are also screened out. The stocks in the basket are benchmarked against the SPDR S&P/ASX 200 FUND.

Stable US Giants

The Stable US Giants thematic basket is designed to capture the performance of large cap stocks with low volatility in the S&P 500 Index. To confine the basket to large cap stocks, only the top 50% of stocks in the Index are selected. In addition, stocks trading at a relatively high valuation are also screened out. The stocks in the basket are equally weighted and the basket is benchmarked against the SPDR S&P 500 ETF Trust.

Singapore Cash is King

The Cash is King thematic basket is constructed from stocks listed on the Singapore Exchange. The stocks are further screened by market cap, price to free cash flow and dividend yield. The basket is benchmarked against the SPDR Straits Times Index ETF.

Singapore Stable REITs

The Singapore Stable REITs thematic basket is designed to capture the perfomance of Real Estate Investment Trusts (REITs) listed on the Singapore Exchange. The REITs are further screened by market cap and volatility. The REIT basket is benchmarked against the SPDR Straits Times Index ETF.

Growth

For investors willing to sacrifice stability for potential to generate higher returns, albeit at higher risk, we propose higher allocation to equities and commodities.

The allocation is bonds is about 25%, 10% being allocated to Emerging market bonds.

Allocation to Equities (65%) provides opportunities for capital appreciation, albeit at a higher risk. About 10% of the portfolio is allocated to Gold.

Australian Financials

The Australian Financials thematic basket is constructed from stocks in the All Ordinaries Index that are in the Financials sector. All stocks in the basked pass our QVM (Quality, Value and Momentum) framework. The basket is benchmarked against the SPRD S&P/ASX 200 FUND.

Mainland European Healthcare

Mainland European Technology

The Mainland European Technology portfolio is designed to capture the performance of selected stocks in the Information Technology sector in France and Germany. All stocks in the portfolio pass our QVM (Quality, Value and Momentum) framework. The portfolio is benchmarked against the iShares Euro Stoxx 50 UCITS ETF.

UK Financials

The UK Financials portfolio is designed to capture the performance of selected stocks in the Finacials sector in the UK. All stocks in the portfolio pass our QVM (Quality, Value and Momentum) framework. The portfolio is benchmarked against the iShares Core FTSE 100 UCITS ETF.

Stable US Healthcare Giants

The Stable US Health Care Giants thematic basket is designed to capture the performance of large cap stocks with low volatility in the Health Care sector of the S&P 500 Index. To confine the basket to large cap stocks, only the top 50% of stocks in the Sector are selected. In addition, stocks trading at a relatively high valuation are also screened out. The stocks in the basket are equally weighted and the basket is benchmarked against the SPDR S&P500 ETF Trust.

Aggressive

Targeted primarily at investors who are primarily looking for capital appreciation, equities form the majority of this portfolio.

Bonds form only about 15% of the portfolio, composed of long term US Bonds and Emerging Market Bonds. Significant allocation to Equities (70%) offer opportunities for significant capital appreciation, albeit at higher risk. About 15% of the portfolio is allocated to Gold.

Mainland Europe Financials

The Mainland European Financials portfolio is designed to capture the performance of selected stocks in the Financials sector in France and Germany. All stocks in the portfolio pass our QVM (Quality, Value and Momentum) framework. The portfolio is benchmarked against the iShares Euro Stoxx 50 UCITS ETF.

US Tech Leaders

The US Tech Leaders thematic portfolio is designed to capture the performance of leading stocks with relatively high momentum in the Information Technology sector in the S&P 500 Index. To confine the portfolio to relatively larger stocks, only the top 50 stocks in the sector are considered. The thematic portfolio is benchmarked against the SPDR S&P 500 ETF Trust.

Resurgent Industrials

The Resurgent Industrials thematic basket is designed to capture the performance of stocks in the S&P 500 Index that are likely beneficiaries of President Trump's emphasis on infrastructure development in the United States. The thematic basket is constructed from stocks in the Industrial sector of the S&P 500 index. All stocks in the basket pass our QV (Quality and Value) framework. The basket is benchmarked against the SPDR S&P500 ETF Trust.

Australian REITs

The Australian REITs thematic basket is designed to capture the performance of Real Estate Investment Trusts included in the All Ordinaries Index. The REITs are further screened by market cap and volatility. The REIT basket is benchmarked against the SPDR S&P/ASX 200 FUND.

Yummy

The Yummy thematic basket is designed to capture the performance of companies in the S&P 500 that derive a significant portion of their revenues from chocolate, snacks, fast food and non-alcoholic beverages. The basket is constructed from stocks of selected sub industry groups in the Consumer Discretionary and Consumer Stables sectors. The thematic basket is benchmarked against the SPDR S&P500 ETF Trust.

US Rising Rates

The Rising Rates thematic basket is designed to capture the performance of selected stocks in the S&P 500 Index that are likely beneficiaries of rising interest rates in the United States. The thematic basket is constructed from Banks and Insurance stocks in the Financials sector of the S&P 500 Index. All stocks in the basket pass our QV (Quality and Value) framework. The basket is benchmarked against the SPDR S&P500 ETF Trust.

Dogs of the Dow

Dogs of the Dow is a thematic basket that is based on a simple and popular investment strategy that involves buying the 10 highest yielding stocks in the Dow Jones Industrial Average. The stocks in the thematic basket are equally weighted and the basket is rebalanced quarterly to include the highest yielding 10 stocks from the Dow Jones industrial Index each quarter. The basket is benchmarked against the SPDR Dow Jones Industrial Average ETF Trust.

Hong Kong Consumer

The Hong Kong Consumer portfolio is designed to capture the performance of selected stocks in the Consumer Discretionary and Consumer Staples sector in the Hang Seng Composite Index. All stocks in the portfolio pass our QVM (Quality, Value and Momentum) framework. The portfolio is benchmarked against the Hong Kong Tracker Fund.

Unlike major global exchanges, the minimum lot sizes for various stocks listed on the Hong Kong Exchange are not fixed and can vary a lot. Hence, the higher minimum investment amounts and lesser constituents in the portfolio.

Stable US Consumer Giants

The Stable US Consumer Giants thematic basket is designed to capture the performance of large cap stocks with low volatility in the Consumer Discretionary and Consumer Staples sectors of the S&P 500 Index. To confine the basket to large cap stocks, only the top 50% of stocks from these sectors are selected. In addition, stocks trading at a relatively high valuation are also screened out. The stocks in the basket are equally weighted and the basket is benchmarked against the SPDR S&P 500 ETF Trust.

Stable US Industrial Giants

The Stable US Industrial Giants thematic basket is designed to capture the performance of large cap stocks with low volatility in the Industrial sector of the S&P 500 Index. To confine the basket to large cap stocks, only the top 50% of stocks in the sector are selected. In addition, stocks trading at a relatively high valuation are also screened out. The stocks in the basket are equally weighted and the basket is benchmarked against the SPDR S&P 500 ETF Trust.

Hong Kong Technology

The Hong Kong Technology portfolio is designed to capture the performance of selected stocks in the Information Technology sector in the Hang Send Composite Index. All stocks in the portfolio pass our QVM (Quality, Value and Momentum) framework. The portfolio is benchmarked against the Hong Kong Tracker Fund.

Unlike major global exchanges, the minimum lot sizes for various stocks listed on the Hong Kong Exchange are not fixed and can vary a lot. Hence, the higher minimum investment amounts and lesser constituents in the portfolio.

Future World

The Future World portfolio provides diversified exposure to emerging themes that are likely to develop into major investment themes in the future.

All new emerging themes are actively monitored for possible inclusion in the portfolio.

The basket is benchmarked against MSCI ACWI Index.

Precious Metals

The Precious Metal portfolio is designed to provide targeted exposure to a basket of precious metals.

The precious metals portfolio is expected to have low correlation to the traditional asset classes and should be an integral part of any well-diversified portfolio.

The Precious metal trust basket is benchmarked against iShares Gold Trust ETF.

Impact Investing

The Impact Investing portfolio aims to provide diversified exposure to selected ETFs rated as leaders according to MSCI ESG Ratings.

The MSCI ESG ratings are designed to measure the resiliency of funds to long term ESG risks and opportunities. Only funds with MSCI ESG ratings of AAA and AA are included in the portfolio.

The ESG basket is benchmarked against MSCI ACWI Index.

China Growth

The China Growth thematic portfolio provides diversified exposure to Chinese equities. The portfolio is systematically rebalanced to provide targeted exposure to specific themes in the Chinese market.

Currently, the portfolio is tilted towards Chinese Consumers, Chinese Tech sector, China Internet Sector and non-state-owned enterprises.

New themes and sectors are constantly monitored for possible inclusion in the portfolio.

The portfolio is actively monitored and rebalanced regularly and is benchmarked against iShares MSCI China ETF.

Gen-Z Winners

The Gen-Z Winners portfolio provides diversified exposure to sectors that are likely to benefit from spending by Gen-Z generation. The portfolio is currently tilted towards internet, video-gaming, online retail and digital payments. New themes and sectors are constantly monitored for possible inclusion in the portfolio. The portfolio is actively monitored and regularly rebalanced using a proprietary optimization algorithm.

US Cloud Computing

The Cloud Computing portfolio is constructed from stocks listed in the US that are involved with cloud computing. A proprietary methodology has been applied to ensure that only high quality stocks are included in the portfolio. Stocks in the portfolio have been screened for various factors including revenue growth, return on capital & profit margin. The portfolio is actively monitored and rebalanced regularly to ensure that the stocks in the portfolio meet the stringent quality constraints.

Exchange Fees and Charges

Singapore Exchange

All transactions are subject to the following fee

Hong Kong Exchange

All transactions are subject to the following fee

US Exchanges - NASDAQ, NYSE and AMEX

London Stock Exchange

Europe Markets

France - NYSE Euronext Paris

Important Note:

General disclaimer

This advertisem*nt has not been reviewed by the Monetary Authority of Singapore.

1. Any opinions or views of third parties expressed in this document are those of the third parties identified, and do not represent views of Oversea-Chinese Banking Corporation Limited (“OCBC Bank”, “us”, “we” or “our”).
2. This information is intended for general circulation and / or discussion purposes only. It does not consider the specific investment objectives, financial situation or needs of any particular person.
3. Before you make an investment, please seek advice from your Relationship Manager regarding the suitability of any investment product taking into account your specific investment objectives, financial situation or particular needs.
4. If you choose not to do so, you should consider if the investment product is suitable for you, and conduct your own assessments and due diligence on the investment product.
5. We are not making an offer, solicit to buy or sell or subscribe for any security or financial instrument, enter into any transaction or participate in any trading or investment strategy with you through this document. Nothing in this document shall be deemed as an offer or solicitation to buy or sell or subscribe for any security or financial instrument or to enter into any transaction or to participate in any particular trading or investment strategy.
6. No representation or warranty whatsoever in respect of any information provided herein is given by OCBC Bank and it should not be relied upon as such. OCBC Bank does not undertake an obligation to update the information or to correct any inaccuracy that may become apparent at a later time. All information presented is subject to change without notice.
7. OCBC Bank shall not be responsible or liable for any loss or damage whatsoever arising directly or indirectly howsoever in connection with or as a result of any person acting on any information provided herein.
8. Investments are subject to investment risks, including the possible loss of the principal amount invested. The information provided herein may contain projections or other forward-looking statements regarding future events or future performance of countries, assets, markets or companies. Actual events or results may differ materially. Past performance figures, predictions or projections are not necessarily indicative of future or likely performance.
9. Any reference to a company, financial product or asset class is used for illustrative purposes and does not represent our recommendation in any way.
10. The information in and contents of this document may not be reproduced or disseminated in whole or in part without the Bank’s written consent.
11. OCBC Bank, its related companies, and their respective directors and/or employees (collectively “Related Persons”) may, or might have in the future, interests in the investment products or the issuers mentioned herein. Such interests include effecting transactions in such investment products, and providing broking, investment banking and other financial services to such issuers. OCBC Bank and its Related Persons may also be related to, and receive fees from, providers of such investment products.
12. You must read the Offer Document/Indicative Term Sheet/Product Highlight Sheet before deciding whether or not to purchase the investment product, copies of which may be obtained from your relationship manager.
13. Any hyperlink to any third party article, or other website or webpage (including any websites or webpages owned, operated and maintained by third parties) is for informational purposes only and for your convenience only and is not an endorsem*nt or verification of any such article, website or webpage by OCBC Bank and should only be accessed at your own risk. OCBC Bank does not review the contents of any such articles, website or webpage, and shall not be liable to any person for the same.
14. There are links or hyperlinks which link you to websites of other third parties (the “Third Parties”). OCBC Bank hereby disclaims liability for any information, materials, products or services posted or offered on the website of the Third Parties.

Collective Investment Schemes

1. A copy of the prospectus of each fund is available and may be obtained from the fund manager or any of its approved distributors. Potential investors should read the prospectus for details on the relevant fund before deciding whether to subscribe for, or purchase units in the fund.
2. The value of the units in the funds and the income accruing to the units, if any, may fall or rise. Please refer to the prospectus of the relevant fund for the name of the fund manager and the investment objectives of the fund.
3. Investment involves risks. Past performance figures do not reflect future performance.
4. Any reference to a company, financial product or asset class is used for illustrative purposes and does not represent our recommendation in any way.

For funds that are listed on an approved exchange, investors cannot redeem their units of those funds with the manager, or may only redeem units with the manager under certain specified conditions. The listing of the units of those funds on any approved exchange does not guarantee a liquid market for the units.

The indicative distribution rate may not be achieved and is not an indication, forecast, or projection of the future performance of the Fund.

Global Equities disclaimer

• Dividend growth is not guaranteed, nor are companies in which you invest obliged to pay dividends;
• Companies may go bankrupt rendering the original investment valueless;
• Equity markets may decline in value;
• Corporate earnings and financial markets may be volatile;
• If there is no recognised market for equities, then these may be difficult to sell and accurate information about their value may be hard to obtain;
• Smaller company investments may be difficult to sell if there is little liquidity in the market for such equities and there may be substantial differences between the buying price and the selling price;
• Equities on overseas markets may involve different risks to equities issued in Singapore;
• With regards to investments in overseas companies, foreign exchange rates may move in an unfavourable direction affecting adversely the valuation of investments in base currency terms.

What is portfolio rebalancing?

Rebalancing is the process of adjusting the composition of an investment portfolio. This involves the buying and selling of assets in an investment portfolio to maintain a desired asset allocation according to the market conditions and your declared risk profile. We will sell more if the stock value rises significantly, or buy more when the stock has declined to take advantage of volatility.

OCBC RoboInvest will periodically (quarterly or half-yearly depending on portfolios) trigger rebalancing. We will only proceed with the rebalancing once you have given your consent within 2 weeks from the date of trigger. You may choose to ignore or skip this rebalance as well.

What does ‘Total investment value per year’ mean?

‘Total investment value per year’ refers to the addition of the amount invested with the compound interest.

With compound interest, an asset earns interest on both the initial deposits and the interest that accrues each year. In other words, you earn interest on your interest.

What is the OCBC RoboInvest Referral Programme?

It is a programme where existing RoboInvest customers can refer new RoboInvest customers to the platform by using their referral code. Both the referrer and referee will receive 20 SGD worth of OCBC RoboInvest management fee credits, once the referee’s investment is successful.

What are OCBC RoboInvest management fee credits?

They are credits that can be used to offset the OCBC RoboInvest management fees every month. Management fee credits are not cash that is deposited in a customer’s account.

What are the requirements?

• Your referee must be at least 18 years old, and must not have an existing OCBC RoboInvest portfolio.
• Your referee must successfully input your Referral Code in OCBC RoboInvest.
• Your referee, thereafter, must successfully purchase their first OCBC RoboInvest portfolio.

What is the limit on the number of new RoboInvest customers I can refer?

There is no limit on the number of new RoboInvest customers you can refer. For every successful referral, both you and your referee will receive 20 SGD worth of management fee credits.

How long will it take for my management fee credits to be rewarded?

Once your referee has applied your referral code and invested in his/her first portfolio, it will take 2-3 business days for the investment to be settled and the management fee credits to be rewarded.

How do I use my management fee credits?

When the management fees for your RoboInvest portfolios are charged every month, we will automatically deduct them from your remaining management fee credit balance. No action is required from you.

Terms and conditions governing the OCBC RoboInvest Referral Programme apply.

You can start investing in the following portfolios using monthly investments.

• Aggressive
• All Weather
• Balanced
• Cautious
• China Growth
• Defensive
• Future World
• Growth
• Gen Z Winners
• Impact Investing
• Precious Metals

For the remaining portfolios, you can enable a monthly investment after you have made a lump sum investment. The portfolio's minimum monthly investment is 10% of its minimum starting lump sum investment.