CITIBANK REGULAR SAVINGS PLAN

Regular savings plan.

Small contributions, big opportunities.

savings plan

Regular Savings Plan

  • Affordable - begin investing from as little as S$100
  • Ability to manage market timing - using Dollar Cost Averaging approach
  • Automatic and flexible - can choose a desired calendar date for the investment purchases
Regular Savings Plan

"Time in" the market is better than "timing" the market.

In recent times, markets across the world are exhibiting one common trait - volatility. While volatility can be dramatic, it also offers the potential to generate future returns.

Faced with these uncertain market conditions, instead of relying on guesswork to time the market, you can adopt a powerful investment approach: Dollar Cost Averaging. By contributing a fixed amount each month to invest into unit trust, you can buy more units when the prices are low and less when prices are high. Citibank Regular Savings Plan (RSP) adopts this approach which can help to average out the market's peaks and troughs. Over time, with the reduced average cost of investment, it will translate to higher returns when market recovers.

Benefits of Regular Savings Plan (RSP):

Affordable

All it takes is S$100 to begin investing in Unit Trust^ through Regular Savings Plan (RSP), you could be on your way to achieving your financial goals.

Ability to manage market timing using the concept of Dollar Cost Averaging

Investing a fixed amount on a regular basis helps to average the cost of investment and over time when market moves upwards, you will have the opportunity to gain from it.

Automatic and flexible

Monthly investment orders will be set up and processed automatically. What's more, you can also choose a desired calendar date for the investment purchases.

Investment Solutions

Diversify your portfolio with Citibank's wide range of unit trusts, managed by some of the most reputable names in fund management.

Dollar Cost Averaging

With a fixed amount invested monthly, more units of the fund that you invest in can be purchased when the price is low and less units of the fund will be purchased when the price is high. As a result, you may have purchased more units and the average cost per unit is lower. Over time, it will translate to higher returns when market recovers.

This is an investment strategy that may allow you to benefit from the volatile market.

Here is an illustration of how Dollar Cost Averaging works:

Month Fund Price (SGD) Scenario 1 Lump Sum Investment Scenario 2 Monthly Investment
Amount Invested (SGD) No.of units Purchased Amount Invested (SGD) No.of units Purchased
January $12.83 $12,000 935 $1,000 78
February $12.19 - - $1,000 82
March $11.40 - - $1,000 88
April $11.74 - - $1,000 85
May $11.27 - - $1,000 89
June $10.71 - - $1,000 93
July $10.31 - - $1,000 97
August $11.01 - - $1,000 91
September $11.34 - - $1,000 88
October $12.13 - - $1,000 82
November $12.38 - - $1,000 81
December $13.12 - - $1,000 76
Total Purchased = 935 Total Units Purchased = 1,030

Portfolio Value as of December:
935 units * S$13.12 = S$12,267.20

Capital Gain of S$267.20 (S$12,267.20-S$12,000)

Portfolio Value as of December:
1030 units * S$13.12 = S$13,513.60

Capital Gain of S$1,513.60 (S$13,513.60-S$12,000)

The hypothetical profit in the above 2 scenarios is meant for illustrative purposes only. The scenarios shown above have no reference to historical data and are not actual or indicative of future performance.

High Conviction Funds

Citibank offers investors a wide variety of investment strategies and mutual funds managed by major asset management companies across the globe . In an increasingly broad and complex universe, selecting a manager means identifying the investment expertise for each theme or category, thereby providing our clients access to high quality management teams.

Our Approach

Funds are classified according to their asset class category. We use quantitative analysis to: • Evaluate a fund's performance consistency • Risk and reward against other funds in the same category We use qualitative analysis to: • Assess the abilities of the team managing the funds • Taking an in-depth look at their know-how, processes and strategies

The result of our comprehensive analysis is a list of mutual funds, with more than thirty investment strategies offered by a range of global asset managers. To find out more, please speak to your Personal Banker or Relationship Manager.

Important Notes:Important Notes:

* Regular Savings Plan (RSP) adopts the Dollar Cost Averaging approach, with the initial investment^ amount as low as S$100. This approach will help to average out the market's peaks and troughs. Over time, with the reduced average cost of investment, it will translate to higher returns when market recovers. The Investment Regular Savings Plan Promotion is not applicable with any other promotions. Not applicable for all notes, all bonds, money market funds, investments using CPF and Sophisticated Investment (SI) funds. The Minimum Regular Savings Plan subscription period is 12 months.

^For complete list of unit trusts, please refer to our Personal Bankers or Relationship Managers for details. The listing of securities under the Citibank High Conviction list does not take into account the investment objectives or financial situation of any particular person.

Investment products are not bank deposits or obligations of or guaranteed by Citibank Singapore Limited, Citigroup, Inc or any of their affiliates or subsidiaries unless specifically stated. Investment products are subject to investment risks, including the possible loss of the principal amount invested. Past performance is not indicative of future results, prices can go up or down. Investors investing in investment and/or treasury products denominated in non-local currency should be aware of the risks of exchange rate fluctuations that may cause a loss of principal when foreign currency is converted back to the investors' home currency. This document/communication/presentation does not constitute the distribution of any information or the making of any offer of solicitation by anyone in any jurisdiction in which such distribution or offer is not authorised or to any person to whom it is unlawful to distribute such a document or to make any offer or solicitation. Prior to entering into a transaction, prospective investors should consult with their own legal, tax, financial, accounting and such other advisors to the extent they consider necessary, and make their own investment, hedging and trading decisions (including decisions regarding the suitability of the transaction) based on their own judgment and advice from those advisors. Investors should also read the relevant prospectus/offer documents (which are available upon request at branches of Citibank Singapore Limited) before investing in any securities. All applications for securities are subject to terms and conditions specific to the relevant security and must be made on the application forms accompanying the prospectus or otherwise prescribed by the issuer.

Investment products are not deposits, are not subject to the provision of the Deposit Insurance Act and Policy Owners' Protection Schemes Act 2011 of Singapore and are not eligible for deposit insurance coverage under the Deposit Insurance Scheme.

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