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
"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):
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.
Diversify your portfolio with Citibank's wide range of unit trusts, managed by some of the most reputable names in fund management.
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|
|Total Purchased = 935||Total Units Purchaed = 1,030|
Portfolio Value as of December:
Capital Gain of S$267.20 (S$12,267.20-S$12,000)
Portfolio Value as of December:
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.
Choose your savings goal
From the perfect wedding to your dream honeymoon and every beautiful moment in between, save for your big day by investing in a RSP.
Because play time, study time and holiday time all add up - grow your savings with a RSP to give your child a head start in life.
My First Home
Take the exciting step towards having a place to call your own and invest in a RSP to help you save up for one of life's most important purchases.
Whether it is the latest model, a coveted designer piece or some me-time at an exotic location, start saving with a RSP to realise your desires.
Find out how much you need to save or invest every month to reach your goal
Total amount I want to save
Max to 500,000
Years to reach my savings goal
Estimated rate of return (% per annum)
This is the annualized profit you anticipate from your RSP investment. A higher expected return typically implies higher risk.
Monthly RSP amount needed to
meet your goal
Click here to learn more about Citibank Online Unit Trust.
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 unit trusts, please refer to our Personal Bankers or Relationship Managers for details.
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