Citibank Regular Savings Plan

Regular Savings Plan.

Small contributions, big opportunities.

Regular Savings Plan symbolized by a water droplet falling into a pond.

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 investment purchases

Citibank 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 investment funds, 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 Investment Funds^ 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 investment funds, managed by some of the most reputable names in fund management.

Dollar Cost Averaging

How does Citibank Regular Savings Plan take care of the market volatility?

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) Scenerio 1 Lump Sum Investment Scenerio 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 Purchaed = 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.

RSP Calculator

Click here to learn more about Citibank Online Investment Funds.

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.

^For complete list of investment funds, please refer to our Personal Bankers or Relationship Managers for details.

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