AMAZING REWARDS STARTING TODAY

Grow Your Wealth,

Let It Blossom

This Lunar New Year!

Start with S$1,000
and receive weekly stock coupons,
or go big with S$20,000
and receive more!

Get Started Now AMAZING REWARDS STARTING TODAY

Grow Your Wealth,

Let It Blossom

This Lunar New Year!

Start with S$1,000
and receive weekly stock coupons,
or go big with S$20,000
and receive more!

Get Started Now

Weekly Rewards S$50 Stock Coupons

Receive weekly coupons for top-performing stocks to accelerate your portfolio growth starting from the day you open an account on POEMS

13 JAN - 19 JAN 2026

AMZN

Amazon

OPEN AN ACCOUNT

20 JAN - 26 JAN 2026

PG

Procter & Gemble

OPEN AN ACCOUNT

27JAN - 2 FEB 2026

MFST

Microsoft

OPEN AN ACCOUNT

3 FEB - 9 FEB 2026

NVDA

Nvidia

OPEN AN ACCOUNT

10 FEB - 16 FEB 2026

GOOGL

Alphabet

OPEN AN ACCOUNT

17 FEB - 23 FEB 2026

BKB.B

Berkshire Hathaway Inc Class B

OPEN AN ACCOUNT

24 FEB - 2 MAR 2026

HON

Honeywell

OPEN AN ACCOUNT

3 MAR - 9 MAR 2026

JNJ

Johnson & Johnson

OPEN AN ACCOUNT

The highlighted box indicates the stock coupon for the week, and is exclusively available to the first 50 new accounts opened during the stated period

Let Your Investment Journey Begin with Confidence

With POEMS, you’re never alone, we connect you with Equity Specialists and Analysts through seminars, our POEMS community, and even direct calls - so you can learn, ask questions, and invest with confidence

ENJOY FREE

Live Pricing & SGX Market Depth

ENJOY 0%

Sales Charge on Unit Trust

ENJOY 0

US Commission for 30 days*

Eligibility

• New to PSPL (no existing or previously closed accounts)
• Opt-in to SMART Park (SGD/USD) within 14 days.
• Open a Cash Plus Account or Referred Cash Management Account (KC).

*only for cash plus accounts

OPEN AN ACCOUNT

Grow Your Wealth Let it Blossom
this Lunar New Year!

The more you invest, the greater your rewards. Start your
journey to prosperity this Lunar New Year.

Tier 1

Fund Amount

S$1,000

Select Tier 1

Tier 2

Fund Amount

S$5,000

Select Tier 2

Tier 3

Fund Amount

S$20,000

Select Tier 3

*Hold the funds for at least 30 days from the date of the minimum funds

Your Prosperity Boost Starts Here

Top up your account during the boost period ( 23 Mar - 23 Apr 2026) and earn extra rewards!

Fund S$5,000

Get rewarded S$50 Stock Coupons

Fund S$10,000

Get rewarded S$100 Stock Coupons

CNY Roadshow Shoutout

Show the picture on the right when you come down to NEX Shoppine Centre B2 (Outside of Old Chang Kee), between 2 - 8 Feb, 11am - 9pm, to get a Free NVIDIA Share worth S$20!

Do these side quests to get more prizes!

Bring a Friend to the Roadshow

Bring a friend to the roadshow to spin and fund an account

Get a S$10 FairPrice voucher

App Review

Review our App to play our claw machine and win POEMS merch

Free merchandise

Social Media Engagement

Post a story on Meta and Instagram and comment on our roadshow

Exclusive rewards

Mark your calendar

Refer Friends

Earn bonus rewards when your friends sign up and make their first trade

Share & Earn

Post on social media and get exclusive merchandise and extra coupons

Engage & Win

Participate in challenges and community events for bonus prizes

Get up to S$250 worth of Stock Coupons

0 US Commission
for 30 days

Enjoy free live pricing and SGX market Depth

0% 

 Sales Charge

on Unit Trusts

Get up to S$250 worth of Stock Coupons

0 US Commission for 30 days

Enjoy free live pricing and SGX market Depth

0% Sales Charge on Unit Trusts

CFD Welcome Gift

Ready to explore more ways to trade?
Activate your CFD account today and enjoy additional welcome gift perks designed to maximise your first 30 days!

1

Opt-in to CFD

Reward : 0 US Equity CFD Commission for 30 days 

2

Fund an initial deposit of at least S$3,000 within 14 days for CFD Acct opening

3

Hold the funds for at least 30 days

4

Execute at least 3 eligible CFD Trades within 60 days of Acct opening

Reward : S$50 Cash Credits

CFD Welcome Gift

Ready to explore more ways to trade?
Activate your CFD account today and enjoy additional welcome gift perks designed to maximise your first 30 days!

1

2

3

4

Opt-in to CFD

Reward : 0 US Equity CFD Commission for 30 days 

Fund an initial deposit of at least S$3,000 within 14 days for CFD Acct opening

Hold the funds for at least 30 days

Execute at least 3 eligible CFD Trades within 60 days of Acct opening

Reward : S$50 Cash Credits

*Limited to the first 1,000 eligible Customers who meet the funding and trading criteria.

OPEN CFD ACCOUNT

Let Your Investment Journey Begin with Confidence

With POEMS, you’re never alone, we connect you with Equity Specialists and Analysts through seminars, our POEMS community, and even direct calls - so you can learn, ask questions, and invest with confidence

Get Rewarded with S$50 US Stock Coupons

Stock Coupon	Qty
	X5

Fund at least S$3,000 within 14 days of Account Opening

Hold the funds for at least 30 days from the date of the minimum funds

Get Rewarded with S$150 US Stock Coupons

Stock Coupon	Qty
	X5

Fund at least S$10,000 within 14 days of Account Opening

Hold the funds for at least 30 days from the date of the minimum funds

Open an account & get S$150 worth of US Stock Coupons

Sign up & get S$50 stocks rewards

0 US Commission
for 30 days

Enjoy free live pricing and SGX market Depth

0% 

 Sales Charge

on Unit Trusts

Open an account & get S$150 worth of US Stock Coupons

0 US Commission for 30 days

Enjoy free live pricing and SGX market Depth

0% Sales Charge on Unit Trusts

Already A Customer? These Are For You

Grateful for 50 Years of Trust and Partnership

Grateful for 50 Years of Trust and Partnership

Frequently Asked Questions

I am an existing Customer of Phillip Securities Pte Ltd (PSPL) and do not own a Cash Plus Account. Am I eligible for the Welcome Gifts if I open a new Cash Plus Account within the promotion period?

No, only Customers who are new to PSPL and have opened a Cash Plus Account within the promotion period are eligible.

When will I receive the Account Opening Rewards upon successful Account opening?

The following rewards will be automatically activated upon successful account opening:

1. 1. 0% Sales Charge on Unit Trusts
   2. Free Live Prices for SGX & US (Asian Hours)
   3. SGX Enhanced Market Depth access

For the Zero US Commission Reward, it will be activated within 5 working days upon successful Account opening. You will receive an email notification once it has been activated.

For Free Live Prices for US (NASDAQ, NYSE, AMEX), and US Options, you will be required to activate the feature on POEMS 2.0 Web and/or POEMS Mobile 3 App.

• Login to POEMS 2.0 web > ‘Market Data & Rewards’ > ‘New Subscriptions’ > tick the boxes for the Live Prices > complete the subscriber agreement and submit > click ‘Submit New’ > Enter your password for confirmation. 
• Login to POEMS Mobile 3 App > Me Tab > Market Data under Forms section > Subscribe US (AMEX, NASDAQ, NYSE), and US Options.

1.  

Will I be eligible for the Tier 1 Fund Reward if I make an initial deposit of S$200 and top up S$800 within 14 days from the Account opening date?

Yes, you will be eligible to receive the Tier 1 Fund Reward if 

1. 1. your combined deposits total at least S$1,000 within 14 days of Account Opening and 
   2. hold the funds for at least 30 days from the date of funding without withdrawing or transferring.

When will I receive the Stock Coupons upon fulfilling the requirements?

The Stock Coupons can be redeemed upon receiving the email notification and/or App notification. To receive your Stock Coupons, please login to the POEMS Mobile 3 App and navigate to ‘Me’ Tab > ‘Rewards’ to redeem and execute the eligible trade within the simulated time period as stated in the coupon.

Who is eligible for the CFD Welcome Gifts promotion? 

Customers who do not already hold a CFD Account and who open a new CFD Account during the promotion period are eligible. Customers who have any CFD Account prior to the launch of this promotion, regardless of Account status, will not be eligible for this promotion.

Do I need to register for the CFD Welcome Gifts promotion? 

No registration is required. Customers who fulfil the promotion criteria will automatically qualify. 

How does the 0 Commission for US Equity CFD Trading Rewards work?

Eligible Customers will receive an email notification upon activation of the reward. Once activated, 0 Commission will apply for all US Equity CFD trades for 30 days. After which published rates will apply.

How do I qualify for the Fund & Trade Reward?

Deposit a minimum of S$3,000 in your first deposit into your CFD Account within 14 calendar days from Account opening. After which, execute 3 CFD trades within 60 calendar days from Account opening. 

Do take note that liquidation trades will not be counted and trades that are amalgamated will count as only 1 trade.  

Will I be eligible for the CFD Fund & Trade Reward if I make an initial deposit of S$2,000 followed by a subsequent deposit S$1,000 within 14 days from the CFD Account opening date? 

1. No. You will need to make a deposit of S$3,000 or more in your first deposit into the CFD Account to be eligible for the Fund & Trade Reward.  

What are considered eligible trades? 

Any CFD trade that is not a liquidation trade will be counted as an eligible trade. Amalgamated trades (BUY and SELL trades on the same counter and market executed on the same trading day) on POEMS Trading Platforms (excluding POEMS CFD MT5) are considered as one trade. 

When will I receive my cash credits? 

1. Rewards will be credited into the eligible POEMS CFD Account within 60 days after the end of the Qualifying Trade Period.   

I would like to check if I am eligible for the CFD Welcome Gifts promotion. How do I go about doing so? 

Kindly drop us an email at cfd@phillip.com.sg along with your Account number, and our team will confirm your eligibility.

Terms & Conditions

T&Cs for Welcome Gifts:

1. Eligibility criteria:
   
   1. Customers new to Phillip Securities Pte Ltd (“PSPL”)  who open a Cash Plus Account, opt-in to Excess Funds Management Facility (SMART Park) (SGD/USD) from 12 January 2026 to 9 March 2026
   2. Customers who open a Cash plus Account but do not opt-in to Excess Funds Management Facility (SMART Park) within 14 days of Account Opening will not be eligible to receive the Welcome Gifts.  
2. Rewards:
   
   1. Account Opening:
      
      1. Zero US Commissions for 30 days
      2. 0% Sales Charge on Unit Trust
      3. Free Live Prices for SGX and US Asian Hours
      4. Free Live Prices for US (NASDAQ, NYSE, AMEX), MY (BURSA), TH (SET), and US Options for non-professionals. Please opt in here.
      5. Free SGX Enhanced Market Depth Access until 30 November 2026.
   2. Fund:
      
      1. For Tier 1, customers receive one S$10 Stock Coupon when they Fund at least S$1,000 within 14 days of Account opening (“Initial Capital”) and hold the funds for at least 30 days
      2. For Tier 2, customers receive S$100 (S$20 x 5) Stock Coupons when they Fund at least S$5,000 within 14 days of Account opening (“Initial Capital”) and hold the funds for at least 30 days
      3. For Tier 3, customers receive S$250 (S$50 X 5) Stock Coupons  – when they Fund at least S$20,000 within 14 days of Account opening (“Initial Capital”) and hold the funds for at least 30 days
   3. Initial Capital must remain in the Account for at least 30 days. It can be used for BUY trades, but it cannot be withdrawn or transferred.
   4. The deposit must be fresh cash funds transferred from the Customer’s bank account, and does not include funds transferred within PSPL Accounts, cash dividends, sales proceeds or Account credit transactions.
   5. Customers must ensure that their Net Cumulative Deposit amount does not fall under S$1,000/S$5,000/S$20,000 to be eligible for the Fund Reward for the tier respectively.
   6. Net Cumulative Deposit refers to accumulated deposit amount, calculated from the day the Customers make and maintain their initial deposits for 30 days. Capital gains and losses are excluded.
   7. The calculation of Net Cumulative Deposit is done daily. All withdrawals made during the holding period will reduce the Customers’ daily Net Cumulative Deposit. 
   8. Once the daily Net Cumulative Deposit falls below S$1,000, the Customer will no longer receive any Rewards. If the daily Net Cumulative Deposit falls below S$10,000 but remains at or above S$3,000, the Customer will only be eligible for Tier 1 Reward.
3. Activation and Crediting of Rewards
   1. 1. Account Opening Rewards:
         
         1. Zero US Commissions for 30 days
            1. Only applicable to ONLINE trades through POEMS’ suite of platforms.
            2. Exchange fee, other charges, and GST are payable by Customers.
            3. Eligible Customers will be awarded the Zero US Commission reward within 3 working days upon Account Opening. 
            4. Customers will receive an email notification once the Zero US Commission has been activated on their Account.
            5. PSPL will not be liable to compensate for any commission charges incurred on US trades prior to the activation of the Zero Commission reward.
         2. 0% Sales Charge on Unit Trust will be granted upon Account opening.
         3. Free Live Prices for SGX and US Asian Hours will be granted upon Account opening.
         4. Free Live Prices for US (NASDAQ, NYSE, AMEX) and US Options for non-professionals.
            1. Login to POEMS 2.0 web > ‘Market Data & Rewards’ > ‘New Subscriptions’ > tick the boxes for the Live Prices > complete the subscriber agreement and submit > click ‘Submit New’ > Enter your password for confirmation. 
            2. Login to POEMS Mobile 3 App > Me Tab > Market Data under Forms, section > Subscribe US (NASDAQ, NYSE, AMEX), MY (BURSA), TH (SET), HK (HKEX), and US Options
         5. Free subscription for SGX Enhanced Market Depth Access would be granted automatically.
      2. Tier 1 or 2 Fund Reward:
         
         1. Customers are required to download and login to POEMS Mobile 3 App within 30 days of Account Opening, in order to receive The Tier 1 or 2 Fund Reward, once they have fulfilled the requirements.
         2. Customers must claim the Tier 1 or 2 Fund Reward and execute the eligible trade/s on POEMS Mobile 3 App within 90 days of becoming eligible. Failure to do so, will result in forfeiture of the Reward/s.
         3. Customers will be notified via POEMS Mobile 3 App (please ensure that App push notifications are enabled on your mobile device) and by Email once they qualify for the reward.
         4. The Coupon will expire 90 days from the date of issuance. 
         5. Once redeemed, the Coupon cannot be reissued.
         6. Eligibility Criteria: 
            1. BUY stocks only
            2. US Market only
            3. Cash trades only
            4. Online trades only
            5. A minimum contract value of US$100
         7. This Coupon is valid for one-time use only and is non-refundable, non-transferable, and cannot be exchanged for cash.
         8. Once activated, the Coupon cannot be deactivated or reissued.
         9. This Coupon will be automatically applied to the first successful eligible trade executed, after activation and before its expiry.
         10. The rebate, up to the contract value, will be credited to the eligible Account within 5 working days following the successful eligible trade.
         11. If the Coupon is not activated and/or a successful eligible trade is not executed within the validity period, the Coupon will be forfeited, and no rebate will be issued.
         12. If multiple Stock Coupons are active, the one with the  nearest expiration date will be used up first by default. If the Coupons have the same expiry date, the Coupon that was activated first by the Customer will be used by default.
         13. If the Customer holds multiple trading Accounts, the Account performing the first successful eligible trade will receive the rebate, regardless which Account the Coupon was activated in. For example, a Customer has two Accounts, Account A and Account B. The Customer activates the Coupon in Account A, but later performs a successful eligible trade using Account B. In this case, Account B will be awarded the rebate.
4. This Promotion is not applicable to:
   
   1. Cash Account(s)
   2. Joint Account(s)
   3. PSPL institutional Customers and corporate Customers
   4. PSPL and its associated entities and subsidiaries (direct or indirect), e.g. Staff, Trading Representatives and Financial Adviser Representatives.
5. By redeeming this item, you acknowledge that you have read and consented to these Terms and Conditions.
6. Phillip Securities Pte Ltd (“PSPL”) reserves the right at any time in its absolute discretion to (i) amend, add to, and/or delete at any time of these Terms & Conditions without prior notice (including eligibility and qualifying terms and criteria), and all Customers shall be bound by such amendments, additions and/or deletions when effected, or to (ii) vary, withdraw, and/or cancel any items or the promotion itself without having to disclose a reason, and without any compensation or payment whatsoever. PSPL’s decisions on all matters relating to the promotion are final and binding on all Customers.
7. PSPL and its affiliates and their respective employees and agents shall not be liable to any person for any loss, damage, injury, costs or expenses incurred, suffered, borne or arising from this promotion.
8. By redeeming this item from your Rewards page, you acknowledge that you have read and consented to these Terms and Conditions.
9. Days refer to calendar days.
10. The following Customers are NOT eligible for this promotion unless approved by the management of PSPL:
    
    1. Customers who have any existing Accounts with PSPL
    2. Customers who have closed any Accounts with PSPL before
    3. Corporate Accounts and Joint Account holders
    4. All employees of PSPL’s entities and its partners (e.g., trading representatives, financial advisors) and their immediate families (e.g., spouse and children).
11. This advertisement has not been reviewed by the Monetary Authority of Singapore.

T&Cs for Weekly Gifts - CNY Prosperity:

1. 1. 1. This Weekly Gifts promotion will run every Tuesday from 13 January 2026 to 9 March 2026, with a new Stock Coupon offered each week.
      2. The Weekly Gifts Coupons will be credited to the first 50 unique Customers each week who meet all the following conditions:
         1. Open a Cash Plus Account
         2. Opt-in to Excess Funds Management Facility (SMART Park)
         3. Are new to Phillip Securities Pte Ltd (“PSPL”)
         4. Download and log in to the POEMS Mobile 3 App within the same week that the Account is opened
      3. Weekly Gifts
         

         Week 1 (13 Jan 26 to 19 Jan 26)	Week of Boundless Growth	S$50 Amazon (AMZN) Stock Coupon
         Week 2 (20 Jan 26 to 26 Jan 26)	Week of Everyday Prosperity	S$50 Procter & Gamble (PG) Stock Coupon
         Week 3 (27 Jan 26 to 2 Feb 26)	Week of Innovation Luck	S$50 Microsoft (MSFT) Stock Coupon
         Week 4 (3 Feb 26 to 9 Feb 26)	Week of Power and Performance	S$50 NVIDIA (NVDA) Stock Coupon
         Week 5 (10 Feb 26 to 16 Feb 26)	Week of Digital Fortune	S$50 Alphabet (GOOGL) Stock Coupon
         Week 6 (17 Feb 26 to 23 Feb 26)	Week of Visionary Wealth	S$50 Berkshire Hathaway Inc Class B (BKB.B) Stock Coupon
         Week 7 (24 Feb 26 to 2 Mar 26)	Week of Steady Strength	S$50 Honeywell (HON) Stock Coupon
         Week 8 (3 Mar 26 to 9 Mar 26)	Week of Health & Wealth	S$50 Johnson & Johnson (JNJ) Stock Coupon

      4. Crediting of Rewards:
         1. 1. Eligible Customers will receive their Coupon in the “Me” tab > Rewards > My Rewards Inventory on the POEMS Mobile 3 App.
            2. Coupons will be credited in the week following the qualifying activity. For example: If Customer A opens a Cash Plus Account on 14 Jan 2026 and logs into the POEMS Mobile 3 App on 15 Jan 2026, and is among the first 50 eligible Customers that week, he/she will receive the Week 1 Coupon.
            3. A push notification will then be sent to the eligible Customers’ POEMS Mobile 3 App in the subsequent following week, based on the date their Accounts were was opened. 
            4. How to Use: 
               
               1. Activate – Tap the ‘REDEEM’ button to apply the Coupon to your next eligible trade. 
               2. Trade – Place a trade on the counter specified on the coupon only. 
               3. Rebate Credited – Once the trade is completed successfully, S$50 will be credited to your Account within 10 working days. 
            5. Eligibility Criteria: 
               
               1. Buy stocks only 
               2. Counter specified on the Coupon only 
               3. Cash trades only
               4. Online trades only 
               5. Minimum contract value of US$100
            6. The Coupon is valid for one-time use only and is non-refundable, non-transferable, and cannot be exchanged for cash. 
            7. The Coupon will expire 30 days from the date of issuance.  
            8. Once redeemed, the Coupon cannot be deactivated or reissued. 
            9. The Stock Coupon will be applied to the first successful eligible trade executed, after the Coupon redemption and before its expiry. 
            10. If the Coupon is not activated and/or a successful eligible trade is not executed within the validity period, the Coupon will be forfeited, and no rebate will be issued. 
            11. Each Customer is eligible for only one Weekly Gifts Stock Coupon.   
                
                1. If there are multiple Stock Coupons active, the one that first expires will be used by default. If the Coupons are of the same expiry date, the Coupon that was activated first by the Customer will be used by default.
      5. This Promotion is not applicable to:
         
         1. Cash Account(s)
         2. Joint Account(s)
         3. PSPL institutional Customers and corporate Customers
         4. PSPL and its associated entities and subsidiaries (direct or indirect), e.g. Staff, Trading Representatives and Financial Adviser Representatives.
      6. By redeeming this item, you acknowledge that you have read and consented to these Terms and Conditions.
      7. Phillip Securities Pte Ltd (“PSPL”) reserves the right at any time in its absolute discretion to (i) amend, add to, and/or delete at any time of these Terms & Conditions without prior notice (including eligibility and qualifying terms and criteria), and all Customers shall be bound by such amendments, additions and/or deletions when effected, or to (ii) vary, withdraw, and/or cancel any items or the promotion itself without having to disclose a reason, and without any compensation or payment whatsoever. PSPL’s decisions on all matters relating to the promotion are final and binding on all Customers.
      8. PSPL and its affiliates and their respective employees and agents shall not be liable to any person for any loss, damage, injury, costs or expenses incurred, suffered, borne or arising from this promotion.
      9. By redeeming this item from your Rewards page, you acknowledge that you have read and consented to these Terms and Conditions.
      10. Days refer to calendar days.
      11. The following Customers are NOT eligible for this promotion unless approved by the management of PSPL:
          
          1. Customers who have any existing Accounts with PSPL
          2. Customers who have closed any Accounts with PSPL before
          3. Corporate Accounts and Joint Account holders
          4. All employees of PSPL’s entities and its partners (e.g., trading representatives, financial advisors) and their immediate families (e.g., spouse and children).
      12. This advertisement has not been reviewed by the Monetary Authority of Singapore.

T&Cs for Fund & Prosper:

1. The Fund & Prosper Promotion is only valid for those who qualify for the Welcome Gifts promotion (opened a Cash Plus Account and opt-in to Excess Funds Management Facility (SMART Park) from 12 January 2026 to 9 March 2026 and funded at least S$1,000 within the 14 days of Account Opening).  
2. Net Cumulative Deposits must be made from 23 March 2026 to 23 April 2026 to qualify, both dates inclusive. 
3. Customers are required to hold their fresh funds during the campaign period to qualify for the Stock Coupons. 
4. Receive Stock Coupons: 
   • Net Deposit S$5,000 – S$50 Stock Coupon
   • Net Deposit S$10,000 – S$50×2 Stock Coupons 
5. Stock Coupon:
   • The Stock Coupon will be credited into the eligible Customers’ Account in the POEMS Mobile 3 App > Me Tab > My Rewards Inventory, within 30 days of the end of the campaign.
   • How to Use: 
     • Activate – ‘Swipe to Activate’ to apply the Coupon to your next eligible trade.
     • Trade – Place a trade on any stock or ETF that meets the Eligibility Criteria.
     • Rebate Credited – Once the trade is completed successfully, S$50 will be credited to your Account within 2 working days 
   •  Eligibility Criteria:
     • BUY stocks only
     • SG/US Market only
     • Cash trades only
     • Online trades only
     • A minimum contract value of S$100/US$100
   • The S$50 Stock Coupon is valid for one-time use only and is non-refundable, non-transferable, and cannot be exchanged for cash.
   • The Coupon will expire 30 days from the date of issuance.
   •  Once activated, the Coupon cannot be deactivated or reissued.
   • The S$50 Stock Coupon will be automatically applied to the first successful eligible trade executed, after the Coupon activation and before its expiry.
   •  The S$50 rebate, up to the contract value, will be credited to your Account within 2 working days following the successful eligible trade.
   •  If the Coupon is not activated and/or a successful eligible trade is not executed within the validity period, the coupon will be forfeited, and no rebate will be issued.
   • If Customer holds multiple trading Accounts, the Account that performs the first successful eligible trade will receive the S$50 rebate, regardless of which Account the Coupon was activated in. 
     • For Example, Customer has Account A and Account B. Customer activates the Coupon in Account A, but later performs a successful eligible trade using Account B. In this case, Account B will be awarded the S$50 rebate.
6. Rewards for the Fund & Flourish promotion are not stackable, and will only be credited to one valid deposit. For example, if a customer makes a total fresh fund of S$20,000 (S$5,000+S$5,000+S$10,000), the Customer will still only receive the S$50×2 Stock Coupons instead of both S$50×2 + S$50 Stock Coupons. 
7. Initial Deposit must be kept in the Account to qualify for the Coupon(s)/ 
8. Fund transfer between Accounts are not eligible for the Fund & Flourish promotion. Only Transfers made via PayNow and Banks will be considered.

T&Cs for CFD Welcome Gifts

1. Promotion Period
   
   1. The Promotion will run from 12 January 2026 to 8 March 2026, both dates inclusive (“Promotion Period”). 
2. Eligibility Criteria 
   
   1. Customers who open a POEMS CFD Account (“Eligible Account”) during the promotion period, and do not have any existing POEMS CFD Account(s) with Phillip Securities Pte Ltd (“PSPL”)  
3. 0 Commission for US Equity CFD Trading Rewards
   
   1. Eligible Accounts will be awarded 0 commission on US Equity CFD trades for 30 days. 
   2. Only applicable to ONLINE trades executed through POEMS’ suite of platforms. (Excluding POEMS CFD MT5)
   3. Customers will receive an email notification once the 0 Commission for US Equity CFDs has been activated for their Account.
   4. The 0 Commission for US Equity CFDs will be valid for 30 days from the date of activation.
   5. PSPL will not be liable to compensate for any commission charges incurred on US equity CFD trades prior to the activation of the 0 Commission reward. 
   6. Overnight financing charges and other prevailing charges are still applicable. 
4. Fund and Trade Reward
   
   1. Eligible Account will need to make an initial deposit of S$3,000 or more within 14  days of Account opening (“Initial Capital”), hold the funds for at least 30 days, and execute at least 3 Eligible Trades within 60 days from Account opening (“Qualifying Trade Period”) to receive S$50 in cash credits. 
   2. An “Eligible Trade” refers to any CFD trade that is not a liquidation trade.
   3. Only applicable to ONLINE trades executed through POEMS’ suite of platforms (Excluding POEMS CFD MT5) 
   4. Initial Capital must remain in the CFD Account for at least 30 days. It can be used for trading but cannot be withdrawn or transferred.  
   5. Amalgamated trades (BUY and Sell trades of the same counter for the same market done on the same trading day) are considered as one trade. 
   6. Your Account must have more than S$0 by the end of the 60 days after Account opening.
   7. If you have more than one Account, only the Account with most Eligible Trades will be eligible for the reward. 
   8. The cash credits will be posted to your Account within 60 days after the end of the Qualifying Trade Period.  
   9. The Fund & Trade reward is limited to the first 1,000 eligible Accounts who meet the funding and trading criteria.
5. The following Customers are NOT eligible to participate in this promotion unless approved by the management of PSPL: 
   
   1. Customers who have any existing CFD Accounts with PSPL.
   2. Customers who have closed any CFD Accounts with PSPL before.
   3. Corporate Accounts and Joint Account holders.
   4. All employees of PSPL and its associated entities, subsidiaries and partners (e.g. trading representatives, financial advisor representatives, other contractual representatives etc. ) and their immediate families (e.g. spouse and children). 
6. By taking part in the promotion, you agree and consent to PSPL sending relevant information to third-party service providers to facilitate the delivery and redemption of the Reward. In the event of a dispute over the Customer’s eligibility to participate in this promotion, PSPL’s decision will be final.
7. Days refer to calendar days.
8. Notwithstanding anything herein contained, PSPL reserves the right at any time in its absolute discretion to (i) amend, add and / or delete these Terms and Conditions without prior notification (including eligibility; replacement of the prize; promotional mechanics, promotion duration without prior notification, qualifying terms and criteria), and all participants shall be bound by such amendments, additions and / or deletions when effected, or (ii) vary, withdraw, or cancel any items or the promotion without having to disclose a reason thereof and without any compensation or payment whatsoever. PSPL’s decision on all matters relating to the promotion shall be final and binding on all participants. 
9. This promotion is intended for general information only and does not constitute a recommendation, an offer or solicitation to buy or sell the product mentioned. It does not have any regard to your specific investment objectives, financial situation or particular needs. Investments are subject to investment risks. The risk of loss in leveraged trading can be substantial and you could lose in excess of your initial funds. This product may not be suitable for clients whose investment objective is preservation of capital and/or whose risk tolerance is low. You may wish to obtain advice from a financial adviser before investing in any investment products. You are advised to read the trading Account Terms & Conditions and Risk Disclosure Statement (available online at www.phillipcfd.com) before trading in this product. 
10. This advertisement has not been reviewed by the Monetary Authority of Singapore. 
11. By taking part in this promotion, the participant acknowledges that he / she has read and consented to these Terms & Conditions, and Disclaimers. 

Invest in Your Future,
Unlock Your Path to Financial Freedom

START NOW

Calling all Young Investors out there!

Join POEMS & Enjoy Exclusive Benefits Designed Just for You*!

*Aged 18 to 25 Years Old

Wondering which Investment is Heading to the Moon?

Look no further – Let POEMS break Financial Barriers with You!

US Fractional Shares

Gain Access To Your Dream Companies without breaking the bank!

Gobble up our 5 Free US Fractional Shares Trades every month!

T&Cs Apply

Click here

Robo Advisory

Harness the Power of Tech and Expert Management to Rebalance your Investments – Hands-free!

Enjoy a 6-months Fee Waiver on Us when You Open & Fund a SMART Portfolio!

T&Cs Apply

Click here

US Fractional Shares

Grow your Idle Cash with SMART Park while waiting for the Right Opportunity!

Rates as of 15 Dec 2025.

*Based on the average rate of annualised

returns over the last rolling week.

Past performance is not necessarily indicative of future performane. View disclaimer.

T&Cs Apply

Click here

Baby Steps to Financial Freedom

1

Open Your POEMS Account and opt-in to SMART Park to grow your idle cash

2

Opt-in to Fractional Share & Enjoy your 5 Free Monthly Trades

3

Open & Fund with SMART Portfolio to Enjoy a 6-months Fee Waiver

4

Be the first 100 Customers to sign up for a Shares Builders Plan to receive a S$50 Cash Reward!

1

2

3

4

Open Your POEMS Account and opt-in to SMART Park to grow your idle cash

Opt-in to Fractional Share & Enjoy your 5 Free Monthly Trades

Open & Fund with SMART Portfolio to Enjoy a 6-months Fee Waiver

Be the first 100 Customers to sign up for a Shares Builders Plan to receive a S$50 Cash Reward!

Start Now

Subscribe to Amova ETFs via the Share Builders Plan and receive Cash Back with *T&Cs.

*Please read the full Terms & Conditions for the promotion below:

Cash Back Details

The promotion is limited to the first 50 SBP accounts. Eligible customers who invest a minimum of S$300 per month in selected Amova ETFs via GIRO for two consecutive months will receive S$30 cashback*, credited to their Share Builders Plan (SBP) Ledger, subject to a maximum cashback cap of S$150.

FAQ

1. What is the SBP Cash Back promotion?

The SBP Cash Back Promotion allows eligible customers to receive S$30 Cash Back for every S$300 fresh funds invested per month in any eligible counter for two consecutive months with successful GIRO deduction, provided the investment amount is not reduced during this period.

2. What is the maximum Cash Back for each POEMS account?

The maximum Cash Back per SBP account is S$150.

3. How much Cash Back with every S$300 investment amount?

You will receive S$30 cashback after successfully completing the two consecutive months of subscription via GIRO and cap on S$150.

4. If I invest in ABF SG BOND ETF with S$900 per month for 2 consecutive months subscription, will I receive S$90 Cash Back?

Yes

Month	Investment counter	Monthly Investment Amount	Investment Period	Cash Back
Jan 2026	ABF SG BOND ETF	S$900	2 consecutive months	S$90
Feb 2026	ABF SG BOND ETF	S$900

*This example should not be considered as financial advice.

5. Am I eligible for the cashback if I subscribe to any eligible counters with a total of S$300 (e.g., Counter A: S$100, Counter B: S$200) over two consecutive months via GIRO, even if I do not subscribe S$300 for each eligible counter per account?

Yes, you are eligible for the cashback because it is granted with every S$300 invested. Please refer to the example below

Month	Investment counter	Monthly Investment Amount	Investment Period	Cash Back
January 2026	ABF SG BOND ETF	S$200	Two consecutive months	S$30
	Amova SGD IGBOND ETF	S$100
February 2026	ABF SG BOND ETF	S$200
	Amova SGD IGBOND ETF	S$100

*This example should not be considered as financial advice.

6. What are the eligible counters for this cashback promotion?

There are two eligible counters:

• ABF Singapore Bond Index Fund
• Amova SGD IGBOND ETF

7. How do I get the maximum Cash Back of S$150?

To receive the maximum cashback, you must subscribe to any eligible counter with an investment of S$1,500 per month for two consecutive months via GIRO.

8. What happens if my GIRO deduction fails once during the two-month subscription period?

You will not be eligible for the promotion. The investment must be continuous for two months via Giro. Any missed or delayed payments will result in disqualification.

9. Can I change my investment to a different eligible counter during the promotion period? Eg. I invest in Amova SGD IGBOND ETF with S$300 in the beginning and change to ABF SG BOND ETF subsequently?

A: No, your investment will not qualify for the promotion.

Month	Investment counter	Investment Period S$	Cash Back
Jan 2026	Amova SGD IGBOND ETF	300	S$0
Feb 2026	ABF SG BOND ETF	300

10. Can I change the investment amount for the eligible counter during the 2 consecutive months subscription?

Yes, customers can increase and decrease their investment amount but if you reduce your investment during the two-month GIRO subscription period, you will not qualify for the promotion. (Refer to illustration A below)
The cashback is calculated based on your first month’s investment amount. For example, if you invest S$300 in the first month, then S$600 in the second month, your cashback will still be S$30. (Refer to illustration B below)

illustration A

Month	Investment counter	Investment Period S$	Cash Back
Jan 2026	ABF SG BOND ETF	600	S$0
Feb 2026	ABF SG BOND ETF	300

customers can decrease their investment amount but if you reduce your investment amount during the two-month GIRO subscription period, you will not qualify for the promotion.

illustration B

Month	Investment counter	Investment Period S$	Cash Back
Jan 2026	ABF SG BOND ETF	300	S$30
Feb 2026	ABF SG BOND ETF	600

customers can increase their investment amount. The cashback is based on your first month’s investment. For example, if you invest S$300 in the first month, then S$600 in the second month, your cashback will still be S$30.

11. What is an example of 2 consecutive months subscription with GIRO?

 

Month	Investment counter	Investment Period S$
Jan 2026	ABF SG BOND ETF	300
Feb 2026	ABF SG BOND ETF	300

12. When can I receive the Cash Back?

The Cashback will be credited to your SBP account ledger approximately 30 working days from the end of your consecutive 2-month subscription period with GIRO.

13. If I apply for the SBP application during the promotion period but only submit the GIRO application after the promotion period, am I eligible?

No. To qualify for this promotion, both the SBP online application and the GIRO application (apply by eGIRO) must be submitted within the promotion period and successfully processed/approved. The SBP online application and GIRO application must be completed within the promotion period to be eligible.

14. Is GIRO the only payment method for this promotion?

Yes

15. May I submit GIRO via paper form or e-GIRO to qualify for the promotion?

To be eligible for this promotion, clients must submit e-GIRO. Paper GIRO (physical form) submissions are not accepted during the promotion period.

16. If my SBP account was suspended in the past six months and re-activated during the promotion period, will my funds be considered as Fresh Funds?

No

17. If my SBP account is terminated during the promotion period and I reapply during the promotion period, will I still be eligible for the promotion?

No

18. Do I qualify for the promotion if I change my subscription to another eligible counter from an existing eligible counter?

No, change of investment instructions between any eligible Amova ETF to another eligible counter will not be considered as fresh funds, and will not qualify for the Cash Back.

How to Participate

To qualify for the cash back, simply complete these steps:

1. Sign up for the Share Builders Plan (SBP)

   How do I sign up for the Share Builders Plan?

   If you have yet to open a POEMS Account, open one here.

   If you are an existing POEMS Account holder, simply follow these instructions:

   Online Application Submission

   1. POEMS Mobile 3 App:
   1. Log in to your POEMS Account

   2. Navigate to Trade > RSP > Share Builders Plan > Apply

   3. POEMS Website:
   4. Subscribe via this link

   Step 2: Set Up eGIRO for Recurring Investments

   Apply e-GIRO:

   1. POEMS Mobile 3 App:
      1. Log in to your POEMS Account
      2. Tap on the “Me” tab > eGIRO > Select SBP (Account no.) > Choose Bank > Apply
   2. POEMS Website:
      1. Log in to your POEMS Account
      2. Go to Acc Mgmt > Online Forms > Account Application > GIRO > Select SBP (Account no.) > Choose Bank > Apply

2. Payment

   Eligibility
   Based on successful GIRO deduction (regardless of whether GIRO was set up via paper or eGIRO).

   Submission
   All new GIRO setups and GIRO updates must be done via eGIRO through POEMS during promotion period.

3. Invest a minimum of S$300* per month in any of the eligible ETFs for two consecutive months with successful GIRO deduction to qualify for the S$30 cash back*

   Eligibility Criteria

   1. Existing SBP Customers:
      • Customers who are already subscribed to any of the Amova eligible counters will only qualify for the cash back when investing an additional S$300 or more in fresh funds* in these counters; for two consecutive months with successful GIRO deduction.
      • Customers who are not yet subscribed to any Amova eligible counters will qualify for the cash back after subscribing to at least S$300 per month in any of the eligible counters; for two consecutive months with successful GIRO deduction.

   *Change of investment instructions between the Amova selected counters will not be considered as fresh funds and thus, not be eligible for the promotion.

   Fresh Fund: Refer to the newly deposited investment amount into the SBP account during the promotion period.

   2. New SBP Customers:
      • Customers who are new to SBP will qualify for the cash back after subscribing and investing at least S$300 per month into any of the Amova eligible counters; for two consecutive months with successful GIRO deduction.

SBP Counters Eligible for the promotion:

S/N	Counter Name	Counter Name on Website
1	ABF Singapore Bond Index Fund	ABF SG BOND ETF
2	Amova SGD IG CORP BOND ETF	Amova SGD IGBOND ETF

 

* Counters not listed above will not be eligible for the promotion

• Eligible Customers must invest a minimum of S$300 fresh funds per month for two consecutive months with successful GIRO deduction into any of the eligible counters listed in the table above.
• The investment transaction must be made before the 18th day of each month (or the next business day if the 18th falls on a non-business day) during the promotion period.
• There is a Cash Back cap of S$150 per account.
•  The Cash Back will be processed approximately 30 working days after completion of the consecutive two-month subscription period with successful GIRO deduction.

Example 1:

Month	Investment counter	Counter Name on Website
1	ABF Singapore Bond Index Fund	ABF SG BOND ETF
2	Amova SGD IG CORP BOND ETF	Amova SGD IGBOND ETF

*This example should not be considered as financial advice.

Example 2:

Month	Investment counter	Monthly Investment Amount	Investment Period	Cash Back
January 2026	Amova SGD IGBOND ETF	S$300	Two consecutive months	S$30
February 2026	Amova SGD IGBOND ETF	S$300

*This example should not be considered as financial advice.

Example 3:

Month	Investment counter	Monthly Investment Amount	Investment Period	Cash Back
January 2026	ABF SG BOND ETF	S$200	Two consecutive months	S$30
	Amova SGD IGBOND ETF	S$100
February 2026	ABF SG BOND ETF	S$200
	Amova SGD IGBOND ETF	S$100

* This example should not be considered as financial advice.

Example 4:

Month	Investment counter	Monthly Investment Amount	Investment Period	Cash Back
January 2026	ABF SG BOND ETF	S$100	Two consecutive months	S$30
	Amova SGD IGBOND ETF	S$200
February 2026	ABF SG BOND ETF	S$100
	Amova SGD IGBOND ETF	S$200

* This example should not be considered as financial advice.

 

• Please refer to examples 1,2,3,4 on the indicative cash back amount.

 

Period of Promotion	T&Cs		Investment Period	Cash Back	Eligible Counters
06 January 2026 – 31 March 2026	New to SBP S$300 Subscription into any of the Amova eligible counters for two consecutive months with successful GIRO deduction, provided the investment amount is not reduced during this period.	Existing SBP Customers S$300 of fresh funds* into the Amova eligible counters for two consecutives months with successful GIRO deduction, provided the investment amount is not reduced during this period.	Two consecutive months subscription	Get S$30 cash back for 2 consecutive S$300 monthly subscription into any of the eligible counters during the promotion period. Eligible customer is allowed a maximum cash back of S$150 for each SBP account during the promotion period.	ABF SG Bond ETF  Amova SGD IGBOND ETF

*Change of investment instructions between the Amova selected counters will not be considered as fresh funds; and will not be eligible for the promotion.

Fresh Fund: Refer to the newly deposited investment amount into the SBP account during the promotion period.

Eligible Customer: Eligible for the promotion

You’re all set to participate in this Promotion!

Terms and Conditions

1. The SBP x Amova – Cash Back Promotion (“Promotion”) is valid from 06 January 2026 (0000 hrs.) to 31 March 2026 (2359 hrs.) (“Promotion Period”), both dates inclusive.
2.  How to sign up for the Share Builders Plan?Complete the following two steps: Submit an online application
   
   1. 1. If you do not have a POEMS account, you can open one here.
      2. If you already have a POEMS account, follow these steps:
         1. POEMS Mobile 3 App:
            
            1. Log in to your POEMS Account
            2. Go to Trade > RSP > Share Builders Plan > Apply
         2. POEMS Website:
            
            1. Subscribe via this here

   Apply e-GIRO:

   1. POEMS Mobile 3 App:
      
      1. Log in to your POEMS Account
      2. Tap on “Me” tab > eGIRO > Select SBP (Account no.) > Choose the Bank>Apply
   2. POEMS Website:
      
      1. Log in to your POEMS Account
      2. Acc Mgmt > Online Forms > Account Application>GIRO>Select SBP (Account no.) > Choose the Bank>Apply
3. PaymentEligibility
   Based on successful GIRO deduction (regardless of whether GIRO was set up via paper or eGIRO).GIRO Submission
   All new GIRO setups and GIRO updates must be done via eGIRO through POEMS during promotion period.
4. Only SBP Online Applications and eGIRO submissions received within the Promotion Period will be eligible. Any applications received after the Promotion Period or submitted through channels not specified above will not be considered. Any correspondence on missing and/or delayed submissions shall not be entertained.
5. Eligible Counters for the Promotion:a) ABF SG Bond ETF
   b) Amova SGD IGBOND ETF
6. Investment Amount Amendment6.1 During the Promotion Period, customers may increase or decrease their investment amount.6.2 Notwithstanding Clause 6.1, if a customer reduces their investment amount at any time during the two (2)-month GIRO subscription period, the customer will be disqualified from the Promotion and will not be eligible to receive any cashback under the Promotion (see Illustration A).Illustration A
   

   Month	Investment Counter	Investment Amount S$	Cash Back
   Jan 2026	ABF SG BOND ETF	600	S$0
   Feb 2026	ABF SG BOND ETF	300

   Customers can decrease their investment amount, however, if the investment amount is reduced any time during the two-month GIRO subscription period, the customer will no longer qualify for the promotion.

   6.3 The cashback amount (if eligible) will be calculated based on the customer’s investment amount in the first (1st) month of the GIRO subscription period only, regardless of any subsequent increase in the investment amount in the second (2nd) month (see Illustration B).

   Illustration B

   Month	Investment Counter	Investment Amount S$	Cash Back
   Jan 2026	ABF SG BOND ETF	600	S$30
   Feb 2026	ABF SG BOND ETF	300

   Customers can increase their investment amount at any time; however, tthe cashback will be calculated based on the first month's investment amount only. For example, if you invest S$300 in the first month, then S$600 in the second month, your cashback will still be S$30.

   6.4 For avoidance of doubt, where a customer invests S$300 in the first month and increases the investment amount to S$600 in the second month, the cashback will be calculated based on S$300 and the cashback entitlement will remain S$30.

7. The ‘Promotion’ will consist of:
   • A cash back that will be processed approximately 30 working days after completing the consecutive two-month subscription period with successful GIRO deduction.
8. To be eligible for the cash back during the promotion period (“Eligible Customers”):
   
   1. 1. Existing SBP Customers:
         • Customers already subscribed into any of the eligible Amova counters, will qualify for the cash back when they invest at least S$300 in incremental fresh funds* in the eligible counters for two consecutive months with successful GIRO deduction, provided the investment amount is not reduced during this period.
         • Customers not yet subscribed to eligible Amova counters, will qualify for the cash back after subscribing to at least S$300 per month in any of the eligible counters for two consecutive months with successful GIRO deduction, provided the investment amount is not reduced during this period.

   *Change of investment instructions between the Amova selected counters will not be considered as fresh funds; and will not qualify for the promotion.

   Fresh Fund: Refer to the newly deposited investment amount into the SBP account during the promotion period.

   1. New SBP Customers:
      • Customers who are new to SBP, will qualify for the cash back after subscribing to at least S$300 per month in any of the eligible Amova counters for two consecutive months with successful GIRO deduction, provided the investment amount is not reduced during this period.
9. Promotion Details
   

   Promotion Period	T&Cs		Investment Period	Cash Back	Eligible Counter
   06 January 2026 – 31 March 2026	New to SBP S$300 monthly subscription into any of the eligible Amova counters for two consecutive months with successful GIRO deduction, provided the investment amount is not reduced during this period.	Existing SBP Customers S$300 monthly subscription using incremental fresh funds* into any of the eligible Amova counters for two consecutive months with successful GIRO deduction, provided the investment amount is not reduced during this period.	Two consecutive months subscription	Get S$30 cash back for 2 consecutive S$300 monthly subscription into any of the eligible counters during the promotion period. Eligible customer is allowed maximum cash back of S$150 for each SBP account during the promotion period.	a) ABF SG Bond ETF b) Amova SGD IGBOND ETF

   *Change of investment instructions between the Amova selected counters will not be considered as fresh funds; and will not be eligible for the promotion.

   Fresh Fund: Refer to the newly deposited investment amount into the SBP account during the promotion period.

   • 1. To participate in the Cash Back promotion, customers must invest at least S$300 per month into any of the eligible counters for two consecutive months with successful GIRO deduction, as shown in the table above.
     2. Eligible customer is allowed a maximum Cash Back of S$150 for each SBP account during the promotion period.
     3. Existing SBP customers must invest at least S$300 using incremental fresh funds* in any of the eligible counters for two consecutive months with GIRO linkage.
     4. New Customers must submit the SBP Online Form and apply eGIRO during the promotion period.
     5. The investment transaction must be successfully made before the 18th of each month or the next business day if the 18th falls on a non-business day during the promotion period.
     6. The cash back will be credited into the eligible customers’ SBP ledger approximately 30 working days after completing the consecutive two-month subscription period.
     7. Failed GIRO deductions during the consecutive two month subscription period will result in disqualification from cash back eligibility.
     8. If an eGIRO for a new account is rejected, resubmission is allowed, but approval must be completed within the Promotion Period.
     9. Existing customers who are eligible for the promotion and wish to update their GIRO linkage must apply via eGIRO.
     10. Existing customers who update their GIRO linkage and experienced a failed GIRO deduction or pending approval or using paper GIRO during the promotion period will not be eligible for the promotion.
     11. Please note that paper GIRO submission not available for the promotion.
   1. For existing customers who are already subscribed to any eligible Amova counters, only fresh funds will be considered.
      • Example: If Customer A has already subscribed S$300 before the promotion period and invests incremental fresh funds of S$300 during the promotion period, the calculated invested amount will be S$300 for the fresh fund only.
   2. Each customer is eligible to use multiple POEMS accounts to apply for SBP and participate in the promotion.
      • Example: Customer A has more than one POEMS account that has an existing SBP; he/she is allowed to use all the POEMS accounts with SBP subscription to participate. However, the minimum monthly investment requirement (S$300) applies to each POEMS account with SBP subscription separately and cannot be combined across accounts. It is essential to ensure that each account fulfills the terms and conditions of the promotion to qualify. We will only consider accounts that meet the specified terms and conditions.
10. Example 1:
    

    Month	Investment counter	Counter Name on Website
    1	ABF Singapore Bond Index Fund	ABF SG BOND ETF
    2	Amova SGD IG CORP BOND ETF	Amova SGD IGBOND ETF

    *This example should not be considered as financial advice.

    Example 2:

    Month	Investment counter	Monthly Investment Amount	Investment Period	Cash Back
    January 2026	Amova SGD IGBOND ETF	S$300	Two consecutive months	S$30
    February  2026	Amova SGD IGBOND ETF	S$300

    *This example should not be considered as financial advice.

    Example 3:

    Month	Investment counter	Monthly Investment Amount	Investment Period	Cash Back
    January 2026	ABF SG BOND ETF	S$200	Two consecutive months	S$30
    	Amova SGD IGBOND ETF	S$100
    February 2026	ABF SG BOND ETF	S$200
    	Amova SGD IGBOND ETF	S$100

    * This example should not be considered as financial advice.

    Example 4:

    Month	Investment counter	Monthly Investment Amount	Investment Period	Cash Back
    January 2026	ABF SG BOND ETF	S$100	Two consecutive months	S$30
    	Amova SGD IGBOND ETF	S$200
    February 2026	ABF SG BOND ETF	S$100
    	Amova SGD IGBOND ETF	S$200

    * This example should not be considered as financial advice.

    • Please refer to examples 1,2,3,4 on the indicative cash back amount.
    • Eligible customer is allowed a maximum cash back of S$150 per SBP account.
    • The cash back will be processed approximately 30 working days after completion of the consecutive two months subscription period.

    Cash Back will be awarded to eligible customers upon successful investment, approved GIRO linkage, and completion of the consecutive two month subscription period with GIRO.

11. Cash Back is non-transferable. The Cash Back will be credited into the eligible customers’ SBP ledger approximately 30 working days after completing the consecutive two-month subscription period with GIRO. If the customer terminates their SBP account before the Cash Back is credited, the customer will not be eligible for the promotion. Should the cash back be unavailable for any reason whatsoever, PSPL reserves the right for final decision.
    
    1. In the event that the Customer submits SBP Termination Form before the cashback is credited, PSPL reserves the right, at its sole discretion, to forfeit and/or cancel the cashback, and no cashback shall be payable.
    2. Customers are deemed to have read, understood, and accepted these Terms & Conditions. PSPL shall have no obligation to notify or remind Clients regarding cashback eligibility, status, or crediting upon receipt of the SBP Termination Form.
12. Customers should read the Terms and Conditions before participating in the promotion.
13. The first 50 SBP accounts that fulfill all terms and conditions will receive the Cash Back. PSPL has the absolute discretion to exclude any otherwise eligible customer from participating. This promotion is on a first-come, first-served basis. The first 50 customers will be determined based on meeting all required criteria stated in the Terms & Conditions.If more than 50 customers fulfil the Terms & Conditions, only the first 50 qualifying accounts will be eligible for Cash Back, and PSPL reserves the right to disqualify any subsequent qualifiers.
14. Eligible customer will receive an email from rsp@phillip.com.sg approximately 30 working days after completing the consecutive two months subscription period (based on the last known contact information in PSPL’s records) regarding cash back information. Eligible customers can check the cash back transaction in their SBP monthly statement. PSPL reserves the right to replace any disqualified customer. PSPL has the absolute discretion to exclude any otherwise eligible customer from participating in the promotion.
15. The following persons are not eligible for this promotion, unless approved by the management of PSPL:
    
    1. PSPL institutional Customer(s) and corporate Customer(s)
    2. PSPL account holders whose accounts have been suspended, cancelled or terminated
    3. PSPL and its associated entities and subsidiaries (direct or indirect), e.g., Staff, Trading Representatives and Financial Adviser Representative
16. PSPL reserves the right at any time in its absolute discretion to (i) amend, add to, and/or delete at any time these Terms & Conditions without prior notice (including eligibility and qualifying terms and criteria), and all customer shall be bound by such amendments, additions and/or deletions when effected, or to (ii) vary, withdraw, and/or cancel any items or the promotion itself without having to disclose a reason, and without any compensation or payment whatsoever. PSPL’s decision on all matters relating to the promotion is final and binding on all customers.
17. By participating in the cash back promotion, customer agree and consent to allow PSPL to use their name, or likeness in all matters related to this cash back promotion including any advertising or publicity without additional compensation or notification.
18. By taking part in this promotion, you acknowledge that you have read, understood and consented to these Terms and Conditions.
19. This promotion is subject to PSPL’s standard terms and conditions of business, where applicable, and PSPL reserves the right at its absolute discretion to determine Customer(s)’ entitlement for the promotion, to amend the terms and conditions of, and/or to suspend or terminate this promotion without prior notice or liability to any person. In the event of any dispute involving the interpretation of terms and conditions or any disagreement arising from this promotion, PSPL reserves the right to make the final decision.

Disclaimers:

1. This promotion is intended for general information only and does not have any regard to your specific investment objectives, financial situation and any of your particular needs. Investments are subject to investment risks including the possible loss of the principal amount invested. The value of the units in any fund and the income from them may fall as well as rise. Past performance figures as well as any projection or forecast used in this promotion are not necessarily indicative of future or likely performance of any fund. You should read the prospectus of the respective ETFs (which is available on websites of the issuers) and understand their structure and associated risks before deciding to invest. Any opinion or view herein is made on a general basis and is subject to change without notice. You may wish to obtain advice from a financial adviser before making a commitment to purchase any investment products mentioned herein. In the event that you choose not to obtain advice from a financial adviser, you should consider whether the investment product is suitable for you. SBP is a Regular Savings Plan and is not a deposit and not principal protected nor a capital guaranteed plan.
2.  Investments are subject to investment risks including the possible loss of the principal amount invested. The value of the shares and the income from them may fall as well as rise. Past performance is not necessarily indicative of future performance. Investments in Regular Savings Plan are designed to produce returns over the medium to long term and are not suitable for short-term speculation.
3.  Any opinion or view herein is made on a general basis and is subject to change without notice.
   iv. You may wish to obtain advice from a qualified financial adviser, pursuant to a separate engagement, before making a commitment to purchase any of the investment products mentioned herein. In the event that you choose not to obtain advice from a qualified financial adviser, you should assess and consider whether the investment product is suitable for you before proceeding to invest and we do not offer any advice in this regard unless mandated to do so by way of a separate engagement.
4.  The information is correct as at the date of print and the company reserves the right to revise the charges.
5.  This advertisement has not been reviewed by the Monetary Authority of Singapore.

Earn Up to S$600
in Rewards

Refer and Share with Your Friends & Family!

Generate Copy Link

Share your referral link

* Earn S$60 for each referral, up to a maximum of 10 new account holders

Start Inviting Your Friends & Family!

Generate your referral link now!

For Referrer

Steps

Rewards

Share Your Unique Referral link

Your Friends & Family Opens a POEMS Account with SMART Park Opt-in

(Excess Fund Management)

Your Friends & Family Funds a Minimum of S$3,000

(within 14 days of Account opening & holds it for 30 days)

For Referee

Steps

Rewards

Sign Up Using the Unique Referral Link

Opt-in to SMART Park

(Excess Fund Management within 14 days)

- Zero US Commission (Only for Cash Plus)
- Zero Sales Charge on Unit Trusts
- Free SGX Market Depth
- Free Live Prices on Popular Markets

Funds a Minimum of S$3,000

(within 14 days of account opening and holds the funds for 30 days)

Refer Now

For Referrer

Steps

Rewards

Share Your Unique Referral Link

Your Friends & Family Opens a POEMS Account with SMART Park Opt-in

(Excess Fund Management)

Your Friends & Family Funds a Minimum of S$3,000

(within 14 days of Account opening & holds it for 30 days)

For Referee

Steps

Rewards

Sign Up Using the Unique Referral Link

Opt-in to SMART Park

(Excess Fund Management within 14 days)

• Zero US Commission (Only for Cash Plus)
• Zero Sales Charge on Unit Trusts
• Free SGX Market Depth 
• Free Live Prices on Popular Markets

Funds a Minimum of S$3,000

(within 14 days of account opening and holds the funds for 30 days)

Refer Now

Frequently Asked Questions

What will I receive when I refer a friend to POEMS?

You will receive S$10 US Stock Coupon and S$50 Cash Credit when the following has been verified:

(a) Your friend is new to Phillip Securities, has successfully opened a Cash Plus Account or Cash Management Account with Excess Funds Management (SMART Park) opt in >> You will receive S$10 US Stock Coupon

(b) Your friend funded at least S$3,000 into their Account within 14 days of Account opening and does not withdraw the funds for 30 days >> You will receive S$50 Cash Credit

Am I eligible to be a referrer/referee?

All existing POEMS Account Holders with any of the following Accounts can be referrers: 

1. Cash Plus Account
2. Margin Account
3. Cash Management Account
4. Prepaid Account
5. Custodian Account 
6. Share Financing Account

As a referee, you must not have or have had any Accounts with Phillip Securities Pte Ltd.

What is the maximum number of referrals?

You can refer up to 10 referees.

When will my referee who opened Cash Plus Account be able to enjoy Zero commission on US stocks?

Referees who opened the Cash Plus Account will receive a notification email on the activation of the Zero US Commission for 30 days Reward within 2 working days following their Account opening.

When will I as a referrer receive the S$10 US Stock Coupon and S$50 Cash Credit?

The S$10 US Stock Coupon will be redeemable within 10 working days via POEMS Mobile 3 App > Me > Rewards Inventory once your Referee has fulfilled the requirements (open Cash Plus or Cash Management Account and opts into Excess Funds Management (SMART Park))

The S$50 Cash Credit will be credited into the Referrer’s POEMS Account once it has been verified that the Referee has not withdrawn the fund for 30 days. This process may take up to 40 days following the funding date.

Is the S$10 US Stock Coupon only redeemable on POEMS Mobile 3 App? What if I am using POEMS Mobile 2.0 App?

Yes, the S$10 US Stock Coupon is only redeemable on POEMS Mobile 3. If you are using POEMS Mobile 2.0 App, please download POEMS Mobile 3 and log in to claim the Coupon. 

Does the referee need to enter a referral code while signing up?

No, the referee only needs to open an Account using the unique referral link you provide.

What happens if my referee forgot to use my referral link when opening an Account?

We regret that in such cases, it will not be considered as a successful referral.

What if I am a Cash Trading Account holder? Am I eligible for this promotion?

No. Cash Trading Account holders are not eligible for this promotion. You may consider opening an eligible Account type or converting your Cash Trading Account to a Cash Management Account.

How do I convert my Cash Trading Account to Cash Management Account?

Login to POEMS 2.0 Website > “Acct Mgmt” > “Stocks” > “Online Forms”. Please note that any existing GIRO facility with a Cash Trading Account has to be terminated before we can process the conversion to a Cash Management Account.

What if I have further queries?

Please contact your dealer or Trading Representative. Alternatively, you can reach our Customer Service Hotline at 6531 1555 or send an email to talktophillip@phillip.com.sg.

Terms & Conditions

T&Cs for Cash Plus Account Referral Programme

1. Referral Programme (“Programme”) is valid for existing POEMS Account holders (“Referrer”) who refer Customer(s) new to Phillip Securities Pte Ltd (“PSPL”) to open a Cash Plus Account (“Referee”), from 10 November 2025 to 4 January 2026.
2. Within this context, “Referrers” refer to Customers with any of the following Accounts: Cash Plus, Cash Management, Margin, Prepaid, Custodian or Share Financing Accounts (“Qualified Accounts”).
3. A referral will be considered successful only when the referee fulfils all of the following: 
   1. Opens a Cash Plus Account using a unique referral link generated by the referrer
   2. Opts into Excess Funds Management (SMART Park)
   3. Does not change the Account type during the promotion period
   4. Abides by the terms and conditions
4. If the Referee uses referral link(s) to open multiple Accounts, only the first successfully opened and funded Account will be considered as successful referral.
5. Referrers will only receive a S$10 US Stock Coupon and S$50 Cash Credit ONCE for each unique Referee, even if the Referee opens multiple Accounts (regardless of Account type).
6. Only the first 10 referred Accounts (regardless of Qualified Account) will be considered as successful referrals.
7. Rewards for Referrer: The Referrer will be entitled to a S$10 US Stock Coupon and S$50 Cash Credit  when his/her Referee
   1. Successfully opens a Cash Plus Account and opts in to Excess Funds Management (SMART Park) , he/she would receive S$10 US Stock Coupon. 
   2. deposits at least S$3,000 into the Account within 14 calendar days from the Account opening date, he/she would receive S$50 Cash Credit. The deposit cannot withdraw from the Account for a period of at least 30 days.
   3. Please note that the Stock Coupon and Cash Credit are non-transferable and non-withdrawable.
8. Rewards for Referee
   1. Referees will receive:
      1. Account Opening Rewards at poems.com.sg/welcome-gifts 
      2. Fund & Trade Rewards at poems.com.sg/welcome-gifts 
9. Activation and crediting of the Referrer’s Rewards:
   1. S$10 US Stock Coupon:
      1. Referrers will be required to download and login to POEMS Mobile 3 App, in order to receive the S$10 US Stock Coupon, once their referees have fulfilled the requirements (refer to point 3). Failure to do so, will result in forfeiture of the Reward/s. 
      2. The S$10 US Stock Coupon will be credited into the eligible Referrers’ Account in the POEMS Mobile 3 App > Me Tab > My Rewards Inventory, within the 10 working days provided that the Referrers login to POEMS Mobile 3 App and their Referees have fulfilled the requirements. 
      3. How to Use:
         • Activate – ‘Swipe to Activate’ to apply the Coupon. 
         • Trade – Place a trade on the Stock Coupon that meets the Eligibility Criteria. 
         • Rebate Credited – Once the trade is completed successfully, S$10 will be credited to your Account within 2 working days. 
      4. Eligibility Criteria:
         • Buy stocks only
         • US Market only
         • Cash trades only
      5. The S$10 US Stock Coupon is valid for one-time use only and is non-refundable, non-transferable, and cannot be exchanged for cash.
      6. The Coupon will expire 30 days from the date of issuance.
      7. Once activated, the Coupon cannot be deactivated or reissued.
      8. The S$10 US Stock Coupon will be automatically applied to the first successful eligible trade executed, after the Coupon activation and before its expiry.
      9. The S$10 rebate, up to the contract value, will be credited to the eligible Account within 2 working days following the successful eligible trade.
      10. If the Coupon is not activated and/or a successful eligible trade is not executed within the validity period, the coupon will be forfeited, and no rebate will be issued.
      11. If there are multiple Stock Coupons active, the one which has a nearer expiration date  will be used up first by default. If the Coupons have the same expiry date, the Coupon that was activated first by the Customer will be used by default.
   2. S$50 Cash Credit:
      1. Referrers will receive the S$50 Cash Credit into their Account within 10 working days once their referees have fulfilled the requirements.  
10. Activation and crediting of the Referees’ Rewards:
    1. Please kindly refer to poems.com.sg/welcome-gifts 
11. Referee consents to the disclosure of his or her name and referral status to the Referrer.
12. The following Customers are NOT eligible for this Programme unless approved by the management of Phillip Securities Pte Ltd (“PSPL”)
    1. Referees who have any type of existing Accounts with PSPL, including joint and corporate Accounts.
    2. Referees who have closed any Accounts with PSPL
    3. Referrers and Referees who have already benefited from or will benefit from similar programmes or promotions, including PhillipCFD’s Refer A Friend.
    4. All employees of PhillipCapital’s entities and its partners (e.g., trading representatives, financial advisors) and their immediate families (e.g., spouse and children).  
13. In the event of a dispute over the Customer’s eligibility to participate in this promotion, PSPL’s decision will be final.
14. PSPL reserves the right at any time in its absolute discretion to (i) amend, add to, and/or delete at any time of these Terms & Conditions without prior notice (including eligibility and qualifying terms and criteria), and all participants shall be bound by such amendments, additions and/or deletions when effected, or to (ii) vary, withdraw, and/or cancel any items or the promotion itself without having to disclose a reason, and without any compensation or payment whatsoever. PSPL’s decisions on all matters relating to the promotion are final and binding on all participants.
15. By taking part in the promotion, you agree and consent to PSPL sending relevant information to third-party service providers to facilitate the delivery and redemption of the Rewards.
16. In the event of a dispute over the Customer’s eligibility to participate in this promotion, PSPL’s decision will be final.
17. This advertisement has not been reviewed by the Monetary Authority of Singapore.

T&Cs for Cash Management Account Referral Programme

1. Referral Programme (“Programme”) is valid for existing POEMS Account holders (“Referrer”) who refer Customer(s) new to Phillip Securities Pte Ltd (“PSPL”) to open a Cash Management Account (“Referee”), from 10 November 2025 to 4 January 2026.
2. Within this context, “Referrers” refer to Customers with any of the following Accounts: Cash Plus, Cash Management, Margin, Prepaid, Custodian or Share Financing (“Qualified Accounts”)
3. A referral will be considered successful only when the referee fulfils all of the following:
   • Opens a Cash Management Account using a unique referral link generated by the referrer
   • Opts into Excess Funds Management (SMART Park)
   • Does not change the Account type during the promotion period
   • Abides by the terms and conditions
4. If the Referee uses referral link(s) to open multiple Accounts, only the first successfully opened and funded Account will be considered as successful referral.
5. Referrers will only receive a S$10 US Stock Coupon and S$50 Cash Credit ONCE for each unique Referee, even if the Referee opens multiple Accounts that fulfil clause 9 (regardless of Account type)
6. Only the first 10 referred Accounts (regardless of Qualified Account) will be considered as successful referrals
7. Referee consents to the disclosure of his or her name and referral status to the Referrer
8. The following Customers are NOT eligible for this Programme unless approved by the management of Phillip Securities Pte Ltd (“PSPL”):
   • Referees who have any type of existing Accounts with PSPL, including joint and corporate Accounts.
   • Referees who have closed any Accounts with PSPL.
   • Referrers and Referees who have already benefited from or will benefit from similar programmes or promotions, including PhillipCFD’s Refer A Friend.
   • All employees of PhillipCapital’s entities and its partners (e.g., trading representatives, financial advisors) and their immediate families (e.g., spouse and children).
9. Rewards for Referrer: The Referrer will be entitled to a S$10 US Stock Coupon and S$50 Cash Credit when his/her Referee:
   • Successfully opens a Cash Management Account and opts in to Excess Funds Management (SMART Park), he/she would receive a S$10 Stock Coupon
   • deposits at least S$3,000 into the Account within 14 calendar days from the Account opening date, he/she would receive S$50 Cash Credit. The deposit cannot withdraw from the Account for a period of at least 30 days.
   • Please note that the Stock Coupons and Cash Credit are non-transferable and non-withdrawable.
10. Rewards for Referee:
    • Account Opening Rewards:
      • 0% Sales Charge on Unit Trust
      • Free Live Prices for SGX and US Asian Hours
      • Free Live Prices for US (NASDAQ, NYSE, AMEX), Malaysia (BURSA), Thailand (SET), and US Options for non-professionals.
        • Login to POEMS 2.0 web > ‘Market Data & Rewards’ > ‘New Subscriptions’ > tick the boxes for the Live Prices > complete the subscriber agreement and submit > click ‘Submit New’ > Enter your password for confirmation. 
        • Login to POEMS Mobile 3 App > Me Tab > Market Data under Forms, section > Subscribe US (NASDAQ, NYSE, AMEX), MY (BURSA), TH (SET), and US Options
      • Free SGX Enhanced Market Depth Access until 30 November 2026. For more information, please refer to poems.com.sg/sgx-enhanced-market-depth.
    •  Fund Rewards:
      • Fund at least S$3,000 within 14 days of Account opening (“Initial Capital”) and hold the funds for at least 30 days to redeem
        • S$10×5 US Stock Coupons 
      • Fund at least S$10,000 within 14 days of Account opening (“Initial Capital”) and hold the funds for at least 30 days to redeem
        • S$30×5 US Stock Coupons
      •  Initial Capital must remain in the Account for at least 30 days. It can be used for BUY trades, but it cannot be withdrawn or transferred.
      • The deposit must be fresh cash funds transferred from the Customer’s bank account, and does not include funds transferred within PSPL Accounts, cash dividends, sales proceeds or Account credit transactions.
      • Customers must ensure that their Net Cumulative Deposit amount does not fall under S$3,000/S$10,000 to be eligible for the US Stock Coupons for the tier respectively. 
      • Net Cumulative Deposit refers to accumulated deposit amount, calculated from the day the Customers make and maintain their initial deposits for 30 days. Capital gains and losses are excluded.
      • The calculation of Net Cumulative Deposit is done daily. All withdrawals made during the holding period will reduce the Customers’ daily Net Cumulative Deposit. 
      • Once the daily Net Cumulative Deposit falls below S$3,000, the Customer will no longer receive any Rewards. If the daily Net Cumulative Deposit falls below S$10,000 but remains at or above S$3,000, the Customer will only be eligible for Tier 1 Reward.
11. Activation and crediting of the Referrer’s Rewards:
    • S$10 Stock Coupon:
      • The S$10 Stock Coupon will be credited into the eligible Customers’ Account in the POEMS Mobile 3 App > Me Tab > My Rewards Inventory, within 30 days of the end of the campaign.
        How to Use:
        • Activate – ‘Swipe to Activate’ to apply the Coupon.
        • Trade – Place a trade on the Stock Coupon that meets the Eligibility Criteria.
        • Rebate Credited – Once the trade is completed successfully, S$10 will be credited to your Account within 2 working days.
        • Eligibility Criteria:
          • Buy stocks only
          • US Market only
          • Cash trades only
        • The S$10 Stock Coupon is valid for one-time use only and is non-refundable, non-transferable, and cannot be exchanged for cash.
        • The Coupon will expire 30 days from the date of issuance.
        • Once activated, the Coupon cannot be deactivated or reissued.
        • The S$10 Stock Coupon will be automatically applied to the first successful eligible trade executed, after the Coupon activation and before its expiry.
        • The S$10 rebate, up to the contract value, will be credited to the eligible Account within 2 working days following the successful eligible trade.
        • If the Coupon is not activated and/or a successful eligible trade is not executed within the validity period, the coupon will be forfeited, and no rebate will be issued.
        • If there are multiple Stock Coupons active, the one which has a nearer expiration date will be used up first by default. If the Coupons have the same expiry date, the Coupon that was activated first by the Customer will be used by default.
    • S$50 Cash Credit:
      • Referrers will receive the S$50 Cash Credit into their Account within 10 working days once their referees have fulfilled the requirements. 
        • Referrers will be required to download and login to POEMS Mobile 3 App in order to receive the S$10 Stock Coupon, once their referees have fulfilled the requirements. Failure to do so, will result in forfeiture of the Reward/s.
12. Activation and crediting of the Referees’ Rewards:
    • Account Opening Rewards:
      • 0% Sales Charge on Unit Trust will be granted upon Account opening.
      • Free Live Prices for SGX and US Asian Hours will be granted upon Account opening.
      • Free Live Prices for US (NASDAQ, NYSE, AMEX), Malaysia (BURSA), Thailand (SET), and US Options for non-professionals.
        • Login to POEMS 2.0 web > ‘Market Data & Rewards’ > ‘New Subscriptions’ > tick the boxes for the Live Prices > complete the subscriber agreement and submit > click ‘Submit New’ > Enter your password for confirmation.
        • Login to POEMS Mobile 3 App > Me Tab > Market Data under Forms, section > Subscribe US (NASDAQ, NYSE, AMEX), MY (BURSA), TH (SET), and US Options.
      • Free subscription for SGX Enhanced Market Depth Access would be granted automatically.
    • Tier 1 & Tier 2 Stock Coupon Reward:
      • Customers are required to download and login to POEMS Mobile 3 App within 30 days of Account Opening, in order to receive The Tier 1 or 2 Fund Reward, once they have fulfilled the requirements.
      • Customers must claim the Tier 1 or 2 Fund Reward and execute the eligible trade/s on POEMS Mobile 3 App within 90 days of becoming eligible. Failure to do so, will result in forfeiture of the Reward/s.
      • The Coupon will expire 90 days from the date of issuance. 
      • Once redeemed, the Coupon cannot be reissued.
      • Eligibility Criteria: 
        
        1. BUY stocks only
        2. US Market only
        3. Cash trades only
        4. Online trades only
      • A minimum contract value of US$100
      • This Coupon is valid for one-time use only and is non-refundable, non-transferable, and cannot be exchanged for cash.
      • Once activated, the Coupon cannot be deactivated or reissued.
      • This Coupon will be automatically applied to the first successful eligible trade executed, after activation and before its expiry.
      • The rebate, up to the contract value, will be credited to the eligible Account within 5 working days following the successful eligible trade.
      • If the Coupon is not activated and/or a successful eligible trade is not executed within the validity period, the Coupon will be forfeited, and no rebate will be issued.
      • If multiple Stock Coupons are active, the one with the  nearest expiration date will be used up first by default. If the Coupons have the same expiry date, the Coupon that was activated first by the Customer will be used by default.
      • If the Customer holds multiple trading Accounts, the Account performing the first successful eligible trade will receive the rebate, regardless which Account the Coupon was activated in. For example, a Customer has two Accounts, Account A and Account B. The Customer activates the Coupon in Account A, but later performs a successful eligible trade using Account B. In this case, Account B will be awarded the rebate.
13. Days refer to calendar days.
14. By taking part in the promotion, you agree and consent to PSPL sending relevant information to third-party service providers to facilitate the delivery and redemption of the Rewards.
15. In the event of a dispute over the Customer’s eligibility to participate in this promotion, PSPL’s decision will be final.
16. Notwithstanding anything herein contained, PSPL reserves the right at any time in its absolute discretion to (i) amend, add to, and/or delete these Terms and Conditions without prior notification (including eligibility; replacement of the prize; promotional mechanics, promotion duration without prior notification, qualifying terms and criteria), and all participants shall be bound by such amendments, additions and/or deletions when effected, or (ii) vary, withdraw, or cancel any items or the promotion without having to disclose a reason thereof and without any compensation or payment whatsoever. PSPL’s decision on all matters relating to the promotion shall be final and binding on all participants.
17. This advertisement has not been reviewed by the Monetary Authority of Singapore.

🌸 🌸 🌸 🌸 🌸 ⛵ 🥟 🚃 🏙️ 🀄 🍵 🏮 🐼 🥟 🎆 🐉

Hong Kong IPO Gateway

⛵ 🌸 🏮 IPO 囍

Hong Kong is one of Asia's largest fundraising hubs, with over 2,600 listed companies and a strong pipeline of new listings each year.

 

The HKEx Main Board and GEM Board attract diverse issuers, from China's new-economy firms to international consumer and biotech names.

 

IPOs are typically priced in HK dollars and allocated through a ballot-based system; oversubscription is common for high-profile listings.

 

Retail investors can participate via public tranche applications, with allotment results announced before the first trading day.

 

Factors that drive subscription demand include company fundamentals, sector sentiment, liquidity, and overall market tone.

Hong Kong IPO Market Snapshot

~HK$46B Total Funds Raised 73 New Listings (Main Board & GEM) > 60× Avg. Retail Oversubscription (Top 10) Top Sectors Consumer, Tech, Healthcare

Hong Kong continues to serve as a major gateway for Chinese and Asia-Pacific issuers seeking global capital. Each year, the Exchange hosts dozens of new listings spanning technology, consumer, healthcare, and industrial sectors.

When a company lists, shares are offered through two tranches: a public offering for retail investors and an international placement for institutions. The retail portion is usually small (around 10% of the total offering) and is subject to scaling if demand is high.

Investors applying through the public tranche typically do so in board lots and may receive partial or zero allotment depending on the final subscription ratio. All applications and refunds are made in HK dollars.

This section aims to help investors understand the process and key considerations when participating in Hong Kong IPOs via licensed brokers. It does not constitute an offer to buy or sell any securities.

You can now subscribe to HK IPO with Share Financing!

With POEMS Share Financing for HK IPOs, Eligible Customers have the option to apply for new listings with a financing arrangement that reduces the initial cash outlay required at subscription. This arrangement allows participation in IPOs without committing the full amount upfront. Customers who prefer not to use the financing arrangement may also subscribe to HK IPOs through full payment. For further details on the process and eligibility, please contact your designated Trading Representative or your Dealing team For both Share Financing (80%) and Full Payment methods, the eligibility criteria are as follows:

1. Minimum of S$200,000 subscription (or its equivalent of HKD$ )
   • a. For Share Financing, the 20% co-payment is S$40,000 minimum (or its equivalent of HKD$ )
2. Account must be prefunded with the minimum subscription or co-payment amount
3. Prefunding deposit must be in cash
4. Submit the duly completed form to your Trading Representative or Dealing team latest by 10:00AM SGT the day before subscription period ends

Leveraged IPO subscriptions magnify gains and losses; prices may move sharply on listing.

Share Financing (80%)	Full payment
HK 100 subscription fee 1.0085% foreign fees on allotted value 9% GST on all applicable fees 80% HK IPO Financing amount is interest free. If allotment is >20% co-payment, please refer to account Information Sheet for the applicable interest rate if currency balance runs into deficit.	HK$100 subscription fee 1.0085% foreign fees on allotted value 9% GST on all applicable fees

Fees Calculator

HK IPO Subscription Calculator

Estimate deposit and fees for Share Financing or Full Payment (no interest).

Step 1: Enter your application details (shares, offer price, and FX). Quantity (Shares) Applied Offer price (HK$ per share) FX rate (HKD per S$) Apply in HK$ S$ Financing ratio 80% (fixed) WARNING: Application amount might not be more than S$200k, please check your prevailing SGDHKD rates, ignore if >S$200k. Advanced parameters Locked Subscription fee (HK$) Foreign fees (% of base) GST on foreign fees (%) Values are preset by POEMS and cannot be changed on this page.

Step 2: Enter your assumed/actual allotment to see settlement. Assumed/Actual allotment (shares)

Step 3: Choose your subscription method to view deposit. Subscription method Share Financing Full Payment (No Financing)

Share Financing deposit = 20% × (Application + foreign fees on application + GST on those fees) + Subscription fee. At settlement, foreign fees & GST are charged on the allotted value (shares × offer price). Figures are estimates; actual charges and allocations may differ. The results from this calculator will not be considered grounds for dispute. Looking ahead? Explore the upcoming HK IPO calendar. Check out our Hong Kong Pre-IPO trading here as well!

Scan the Qr Codes to view the upcoming IPO calender or join HK IPO Community on POEMS Mobile 3 App!

HK IPO Calendar Join Here What are the risks of HK IPO subscription? There is a possibility of zero or very minimal allotment as popular HK IPOs are usually heavily oversubscribed. On the contrary, clients customers who receive full allotments, or partial allotments that exceeding the 20% co-payment are subject to forced selling if there is no capacity to meet margin requirements. How do I participate in HK IPO Subscription? Please contact your designated Trading Representative or your Dealing team to place an order for a HK IPO. You will be required to complete an irrevocable form to subscribe. Pre-funding your account is also required. Who is eligible for HK IPO Financing? Customers with Margin, Cash Plus or Cash Management account can apply for IPO Financing. What is the maximum financing quantum for HK IPO? Maximum 80% financing is available on the total subscription amount. Can I make full payment for the subscription instead? Yes, you can choose to make full payment for the HK IPO subscription. How do I participate in IPO Financing? Submit the duly completed IPO Financing Application form and fund your account with the 20% co-payment before the submission deadline. Am I able to apply through iBanking/ATM? No, HK IPO subscriptions are not supported via iBanking or ATM. When is the last day to apply for HK IPO? The subscriptions for HK IPO close at 10:00AM SGT, two Singapore business days before the official closing of the HK IPO. Do I have to pay the principal loan and interests immediately upon successful IPO allotment? The allotted amount and applicable fees will be debited from your account. If your account has insufficient funds, debit interest will accrue and you’re required to fulfil any margin shortfall within the stipulated timeframe. What happens if I am not allotted the IPO I subscribed for? In the case of zero or partial allotment, the unused funds will be refunded to your trading account after deducting applicable fees When will I be notified of my subscription results? The results will be conveyed to you via your designated Trading Representative or our Dealing team on or before the listing date. Can I sell my allotted shares during HK Pre-IPO? Yes, shares allotted during HK IPO subscription are tradeable during the HK Pre-IPO available on POEMS. Can I apply for more than one HK IPO at a time? Yes, however, you must ensure that only a single application is lodged for any given IPO counter. Applications for separate IPO counters may be submitted simultaneously subject to 20% co-payment. Submitting multiple applications for the same IPO counter will result in the rejection of all applications for that counter. Can I modify my application after submission? Applicants are solely responsible for the accuracy and completeness of their application and deposit prior to submission. Once lodged, amendments are not supported.

Disclaimer

This material does not constitute a recommendation, an offer, invitation to offer or solicitation to buy or sell any investment products mentioned. It does not have any regard to your specific investment objectives, financial situation or any of your particular needs. Accordingly, no warranty whatsoever is given and no liability whatsoever is accepted for any loss arising whether directly or indirectly as a result of your acting based on this information. To the extent that this material constitutes an offer or invitation to a relevant person or a person specified under section 275(1A) of the SFA, the material herein is provided as information only and not as an advertisement under section 275 of the SFA. Terms and Conditions - HK IPO application

1. These terms shall form an integral part of and shall be read together with the Conditions Governing Phillip Securities Accounts. The Customer represents and warrants that he/she meets the eligibility criteria and other requirements set out in the relevant IPO Offering Documents and is not disqualified from making the HK IPO application under any law or regulation.
2. All applications are denominated in HK$. Minimum subscription amount is S$200,000 (or HK$ equivalent) for full payment and S$40,000 (or HK$ equivalent) for share financing per IPO application.
3. IPO allotment results are determined by the issuer. PSPL does not guarantee any allocation.
4. In the event of zero or partial allotment, The Customer’s unused funds (net of application fees) will be credited back to The Customer’s trading account within three business days after refunds are received by PSPL.
5. The Customer shall bear all currency exchange costs and risks, including any exchange losses arising from any adverse S$/HK$ movements; PSPL is not liable for such losses.
6. The Customer acknowledges that he/she is aware of and accepts the risks involved in HK IPO applications, including:- Allotment Risk: popular HK IPOs are frequently oversubscribed, and Customers may receive minimal or even zero allocation. - Market Risk: IPO shares may trade below the offer price upon listing, resulting in capital loss. - Leverage Risk: Financing amplifies both gains and losses; and Customers may sustain losses greater than the initial payment. - FX Risk: conversion between currencies exposes The Customers to exchange rate fluctuations. - Liquidity Risk: The Customers may not be able to sell the allotted shares at their desired price or time in market stress.
7. PSPL may amend these Terms (including rates and fees) at any time by posting the revised Terms on its website; continued participation constitutes acceptance.

Application process

1. The Customer must complete and sign the relevant IPO Irrevocable Application & Compliance Form.
2. Applications must reach PSPL no later than 10:00 SGT, two business days before the official SEHK close of the IPO subscription period. Applications submitted after the cutoff may be rejected or processed on a best-efforts basis at PSPL’s discretion.
3. PSPL will deduct from The Customer’s trading account the subscription amount (plus fees and interest as applicable) before the IPO listing date, or upon notification of allotment, whichever is earlier.
4. Applications may only be submitted through the Customer’s designated Trading Representative or Dealing team.
5. HK IPO application fee: HK$ 100 per application (non-refundable). Other charges (e.g., FX spreads, bank charges) may apply.
6. If cleared funds are insufficient, PSPL may liquidate the Customer’s securities or exercise any right of setoff; default interest and administrative fees may apply.
7. An applicant shall submit only one application for the service or product. Multiple submissions, including those made by or through another third-party intermediary (such as a broker), will be rejected.

Financing terms

1. The Customer must complete and sign the relevant IPO Financing Application Form.
2. IPO financing is 80 % of the subscription amount. The Customer must deposit the remaining 20% co-payment plus fees before the application is accepted.
3. Interest will only be charged on allotments that have exceeded the 20% initial payment and will be charged on the difference (monies borrowed).
4. Debit interest is charged on debit balance at 7% p.a., beginning on the allotment date if the account does not have/convert sufficient HK$. If the IPO listing is deferred or settlement is delayed beyond four days, interest continues to accrue daily at 7 % p.a. until the loan is repaid, or forced selling is in place. (If allotment is more than 20% co-payment value)

UOBAM Ping An FTSE ASEAN Dividend Index ETF

Initial Offering Period (IOP) from 7 to 23 January 2026

Invest Now

About the UOBAM Ping An FTSE ASEAN Dividend Index ETF

UOBAM Ping An FTSE ASEAN Dividend Index ETF tracks FTSE ASEAN ex REITs Target Dividend Index.

The Index aims to achieve 100% dividend yield increase compared to its underlying Index - FTSE ASEAN Index.

Why Invest in the UOBAM Ping An FTSE ASEAN Dividend Index ETF?

Dividend Income

It focuses on companies with strong, sustainable dividend yields which is historically a major component of total returns in ASEAN markets.

Demographic Opportunities

ASEAN is one of the world’s fastest-growing regions. Tap into its long-term growth potential, powered by a young population and a rapidly expanding middle class.

Diversification Benefits

Build a resilient portfolio with balanced exposure to both growth-oriented and mature ASEAN economies, focusing on sectors with lower cyclicality and providing portfolio diversification.

Top 10 Index Constituents

How to Subscribe to the ETF During the IOP via POEMS 2.0

1. Log in to your POEMS 2.0 , then navigate to ‘Account Management’ > ‘Online Forms’ > ‘IPO Subscription – Irrevocable Form’ or click here.
2. Select the IPO you wish to subscribe to.
3. Review and accept the prospectus, terms, and conditions before subscribing to the financial product.
4. Applications close at 5pm on 23 January Fri 2026.
5. Ensure sufficient funds are available in your POEMS Account to complete the application process (including the subscription amount and GST) by 23 January Fri 2026 at 5pm.

Pitch Book Prospectus IOP Subscription Details

IOP Subscription Details
Subscription Period	7 January 2026 to 23 January 2026
Listing Date	29 January 2026
Subscription Price	SGD 1.00 per unit
Minimum Quantity	100 units
Commission Fees	Zero Commission
Trading Currency	SGD
Allotment	Full Allotment

Key Information

Key Information
ETF Name	UOBAM Ping An FTSE ASEAN Dividend Index ETF
Underlying Index	FTSE ASEAN ex REITs Target Dividend Index
Issue Price	SGD 1.00 per unit
Initial Offer Period (IOP)	7 Jan 2026 to 23 Jan 2026
Listing Date	29 January 2026
Base Currency	SGD
Trading Currency	SGD, USD
SGX Code	UPD (SGD) , UPU (USD)
Trading Board Lot Size	1 Unit
Management Fee	Currently 0.45% p.a.
Distribution Policy	The ETF aims to pay dividends of at least 6.0 per cent p.a. in 2026 and 2027. Distributions are not guaranteed. Distributions may be made out of income, capital gains and/or capital. This relates to the disclosed distribution policy as set out in the Fund’s prospectus.
Classification Status	Excluded Investment Product

Terms and Conditions for Initial Offer Period for UOBAM Ping An FTSE ASEAN Dividend Index ETF

1. The subscription period for UOBAM Ping An FTSE ASEAN Dividend Index ETF (“ETF”) is from 7 January 2026, Monday at 9am to 23 January 2026, Friday at 5pm.
2. The online subscription will close on 23 January 2026 at 5pm. No new applications, amendments, or withdrawals are allowed after this deadline. 
3. Eligible Accounts to subscribe for the ETF must be Cash Plus, Margin (M), Custodian (C), Prepaid Custodian (CC), Cash Management (KC) and Share Financing (V) Accounts.  Cash Trading Accounts (T) are not eligible to participate in this subscription.  
4. Only one application is allowed per Account. 
5. Each ETF unit is priced at SGD 1 and the minimum order quantity is 100 units, with an incremental order size of 100 units. 
6. There are zero commission fees. 
7. The total amount payable is denominated in SGD. The settlement currency will be in SGD. 
8. Sufficient funds (including transfer fee and GST) must be present in the Customer’s Account by 23 January 2026 at 5pm.
9. Applications will be rejected if the Account does not have or reflect sufficient funds after 23 January 2026 at 5pm. 
10. ETF units will be credited to the clients’ CDP or clients’ sub-account with Phillip Securities Pte Ltd by 29 January 2026.
11. Customers will receive the full allotment of the number of ETF units that they subscribe to. 
12. Customers can start trading the ETF units when the ETF is listed on SGX on 29 January 2026 at 9am. 
13. Notwithstanding anything herein contained, PSPL reserves the right at any time in its absolute discretion to (i) amend, add and/or delete any time of these Terms & Conditions without prior notification (including eligibility and qualifying terms and criteria), and all participants shall be bound by such amendments, additions and/or deletions when effected, or (ii) vary, withdraw, or cancel any items or the promotion without having to disclose a reason thereof and without any compensation or payment whatsoever. PSPL’s decision on all matters relating to the promotion shall be final and binding on all participants. 
14. In the event of a dispute over the client’s eligibility to participate in this Promotion, PSPL’s decision will be final. PSPL shall not be obliged to give any reason on any matter concerning the Promotion and no correspondence or claims will be entertained. 
15. By taking part in this promotion, the customer acknowledges that he/she has read and consented to these Terms & Conditions. 

Terms and Conditions for IOP Promotion

1. Customers will be entitled to receive a S$10 cash credit for every S$5,000 subscribed into the UOBAM Ping An FTSE ASEAN Dividend Index ETF, provided that they hold their subscription from 29 January 2026, the listing date of the fund, to 28 February 2026 (the Minimum Holding Period).
2. The Campaign Period runs from 7 January 2026, Wed at 9.00am to 23 January 2026,  Fri at 5.00pm.
3. The Cash Credit is capped at S$500 per POEMS account.
4. The Cash credits is to be provided to the first 300 eligible clients of PSPL who invest in the ETF during the IPO.
5. The Cash Credit will be credited to your account within one month after the holding period.
6. Notwithstanding anything herein contained, PSPL reserves the right at any time in its absolute discretion to:
   • (i) Amend, add, or delete any of these Terms & Conditions without prior notice (including eligibility and qualifying terms and criteria), and all participants shall be bound by such amendments, additions and/or deletions when effected; or
   • (ii) Vary, withdraw, or cancel any items or the promotion without having to disclose a reason thereof and without any compensation or payment whatsoever. PSPL’s decision on all matters relating to the promotion shall be final and binding on all participants.
7. In the event of a dispute regarding a client’s eligibility to participate in this Promotion, PSPL’s decision will be final. PSPL shall not be obligated to give any reasons on any matter concerning the Promotion, and no correspondence or claims will be entertained.
8. By taking part in this promotion, the customer acknowledges that he/she has read, understood, and consented to these Terms & Conditions.

Events Lineup

UOBAM Ping An FTSE ASEAN Dividend Index ETF: Unlocking ASEAN Div Opportunities

ETFs

17 Jan, Sat 2026 11:30 AM - 12:30 PM

Mr Shankar Panchadcharam | Senior Director, Business Development | UOB Asset Management & Ms Low Soo Fang | Vice President, Equities Research | UOB Asset Management

Zoom

Win a 1/2 OZ PAMP GOLD BAR

(worth S$3,000*) 

& Receive S$20 Cash Credits!

Trade Gold for Gold!

Trade SPDR Gold Shares to Win & Redeem!

*Subjected to Price Fluctuations.

OPEN ACCOUNT

Win a 1/2 OZ PAMP GOLD BAR (worth S$2,700*) & Receive S$20 Cash Credits

Trade Gold for Gold!

Trade SPDR Gold Shares to Win & Redeem!

OPEN ACCOUNT

*Subjected to Price Fluctuations.

Be the Top Trader to win 1/2 oz PAMP Gold Bar

From 12 January 2026 to 31 March 2026

Be the Top Trader by Total Traded Value in SPDR Gold Shares: GLD SG$ (SGX:GSD) and/or GLD US$ (SGX:O87)

• No Minimum Traded Value
• Only BUY Trades are Applicable.

GLD SG$GLD SG$ (Ticker: GSD) refers to the SPDR Gold Shares traded on the Singapore Exchange (SGX) in Singapore Dollars (SGD), offering investors a way to track gold's price without holding physical gold, backed by physical gold bullion in vaults, aiming to reflect gold's performance minus expenses, providing portfolio diversification and a hedge against economic uncertainty. TRADE GLD SG$ (SGX:GSD) GLD US$GLD US$ (Ticker: O87) refers to the SPDR Gold Shares ETF traded on the Singapore Exchange in U.S. dollars (USD). It’s the same fund as the well-known SPDR Gold Shares (GLD) but quoted and settled on SGX in USD rather than SGD. TRADE GLD US$ (SGX:O87)

Be the Top Trader by Total Traded Value in SPDR Gold Shares:
GLD SG$ (SGX:GSD) and/or GLD US$ (SGX:O87)

• No Minimum Traded Value
• Only BUY Trades are Applicable.

GLD SG$GLD SG$ (Ticker: GSD) refers to the SPDR Gold Shares traded on the Singapore Exchange (SGX) in Singapore Dollars (SGD), offering investors a way to track gold's price without holding physical gold, backed by physical gold bullion in vaults, aiming to reflect gold's performance minus expenses, providing portfolio diversification and a hedge against economic uncertainty. TRADE GLD SG$ (SGX:GSD) GLD US$GLD US$ (Ticker: O87) refers to the SPDR Gold Shares ETF traded on the Singapore Exchange in U.S. dollars (USD). It’s the same fund as the well-known SPDR Gold Shares (GLD) but quoted and settled on SGX in USD rather than SGD. TRADE GLD US$ (SGX:O87)

Check out the Comparison Chart between S&P 500 & Gold in 2025

Blue line: Gold 

Orange line: S&P 500

Source: TradingView

Claim your S$20 Gold Coupon on POEMS Mobile 3 App Rewards

Valid to redeem and trade from 9 January to 31 March 2026 (while stocks last).

Claim your S$20 Gold Coupon on POEMS Mobile 3 App Rewards

Valid to redeem and trade from 9 Jan to 31 Mar 26 (while stocks last).

Eligibility

• Redeemable with one POEMS Coin via POEMS Mobile 3 App Rewards
• Applicable for BUY Trades only
• A successful trade refers to the purchase of SPDR Gold Shares, either GLD SGS (SGX:GSD) or GLD US$ (SGX:087).
• Each Customer is only eligible to redeem one S$20 Gold Coupon using the POEMS coin during the Promotion period.

Scan the QR Code to redeem the S$20 Gold Coupon!

REDEEM NOW

Frequently Asked Questions

Am I required to register first before I participate in the top trader promotion? 

No, registration is not required. Your Account will be automatically tracked when you execute eligible trades during the campaign period.

When will I be notified if I am the top trader for the top trader promotion and how do I redeem the Gold bar?

If you are the top trader for the promotion, you will be notified via email or phone within ONE month after the end of the promotion period.

Redemption details will be provided in the notification. Please ensure that your contact details with POEMS are up to date to avoid any delays.

I am a Cash Trading Account holder. Am I eligible to enjoy this promotion? 

No, Cash Trading Account holders are not eligible for this promotion. You may consider opening an eligible Account type or converting your Cash Trading Account to a Cash Management Account.

How to redeem the S$20 Gold Coupon on POEMS Mobile 3 App?

To redeem the S$20 Gold Coupon, please kindly follow these few steps:

1. Download POEMS Mobile 3 App on App Store/Google Play Store.
2. Login with your POEMS Account number and password and head over to Me Tab > Rewards. 
3. Select S$20 Gold Coupon under SHOP and Buy with 1 POEMS Coin to redeem.
4. Once redeemed, execute the eligible trade before the expiry date. 
5. Once you executed the eligible trade, the S$20 Cash Credit or up to the contract value will be credited to your Account in the next following month.

Terms & Conditions

T&Cs

1. This promotion is valid from 12 January 2026 to 31 March 2026, and is open to new and existing Customers of Phillip Securities Pte Ltd (“PSPL”). 
2. Promotion Details:
   • Top Trader Promotion:
     • 1 X 1/2 OZ PAMP Gold Bar*:
       • Eligibility:
         • Be the top trader by total traded value in SPDR Gold Shares (SGX:GSD), (SGX:O87) during promotion period.
         • Only BUY trades are applicable 
       • *Subjected to availability. May be substituted with a 1/2 OZ Gold Coin of similar value.
     • Notification:
       • You will be notified via email or phone within one month after the end of the promotion period. 
   • S$20 Gold Coupon:
     • Eligibility Criteria:
       • BUY trades only
       • SPDR Gold Shares (SGX:GSD) and (SGX:087) only
       • Cash trades only
       • Online trades only
     • This Coupon, exchangeable with 1 POEMS Coin, can be redeemed for a S$20 Cash Credit upon successful eligible trades.
     • The S$20 Gold Coupon is listed on the POEMS Mobile 3 App Reward Shop and availability will be on a first come first serve basis.
     • Each Customer is only eligible to exchange one S$20 Gold Coupon with ONE POEMS coin during the Promotion period.
     • The 1 POEMS Coin used to exchange for this Coupon will not be refunded once the Coupon is exchanged.
     • This Coupon is valid for one-time use only and is non-refundable, non-transferable, and cannot be exchanged for cash.
     • This Coupon will expire on 31 Mar 2026. You are required to redeem the Coupon and execute the eligible trade within the Coupon validity period.
     • This Coupon will be automatically applied to the first successful eligible trade executed, after the Coupon redemption and before its expiry.
     • The S$20 rebate, up to the contract value, will be credited to the eligible Account in the month of April 2026 after redeeming the coupon and completing Successful Trades.
     • If the Coupon is not redeemed and/or a successful eligible trade is not executed within the validity period, the coupon will be forfeited, and no rebate will be issued.
     • If the Customer holds multiple trading Accounts, the Account that performs the first successful eligible trade will receive the S$20 rebate, regardless of which Account the Coupon was activated in. For example: Customer has Account A and Account B. Customer activates the Coupon in Account A, but later performs a successful eligible trade using Account B. In this case, Account B will be awarded the S$20 rebate.
3. Phillip Securities Pte Ltd (“PSPL”) reserves the right at any time in its absolute discretion to (i) amend, add to, and/or delete at any time of these Terms & Conditions without prior notice (including eligibility and qualifying terms and criteria), and all Customers shall be bound by such amendments, additions and/or deletions when effected, or to (ii) vary, withdraw, and/or cancel any items or the promotion itself without having to disclose a reason, and without any compensation or payment whatsoever. PSPL’s decisions on all matters relating to the promotion are final and binding on all Customers.
4. PSPL and its affiliates and their respective employees and agents shall not be liable to any person for any loss, damage, injury, costs or expenses incurred, suffered, borne or arising from this promotion.
5. By redeeming this item from your Rewards page, you acknowledge that you have read and consented to these Terms and Conditions.
6. Days refer to calendar days.
7. The following Customers are NOT eligible for this promotion unless approved by the management of PSPL:
   • Closed Account with PSPL during the promotion period
   • Cash Account(s)
   • Joint Account(s)
   • PSPL institutional Customers and corporate Customers
   • PSPL and its associated entities and subsidiaries (direct or indirect), e.g. Staff and Financial Adviser Representatives.
8. This advertisement has not been reviewed by the Monetary Authority of Singapore.

This content is password protected. To view it please enter your password below:

Password:

Strategy & Stock Picks Q1 2026
LEAD THE CHARGE, BEAT THE CURVE

As the new year dawns, fortune and foresight go hand in hand. Just as a red lantern lights the path, our market strategists shine with timely insights, helping you navigate the markets with confidence.

Countdown:

Days Hours Minutes Seconds

Countdown:

Days Hours Minutes Seconds

14
JAN,
WED

12.00pm-2.00pm

China & Hong Kong

Louis Wong

Director

Phillip Securities HK

Upcoming

10
JAN,
SAT

10.00am-12.00pm

Singapore

Paul Chew

Head of Research

Phillip Securities Research

Watch Replay

15
JAN,
THU

7.30pm-9.00pm

United States

Glenn Thum

Research Manager

Phillip Securities Research

Upcoming

15
JAN,
THU

1.00pm-2.00pm

Malaysia

Shahira Rahim

Equity Analyst

Phillip Research Sdn Bhd

Upcoming

13
JAN,
TUE

1.00pm-2.00pm

Thailand

Chutikan Santimetvirul

Head of Equity Strategy

Phillip Securities (Thailand) PCL

Upcoming

12
JAN,
MON

1.00pm-2.00pm

Indonesia

Jasa Adhimulya

Senior Equity Analyst

Phillip Sekuritas Indonesia

Watch Replay

16
JAN,
FRI

1.00pm-2.00pm

Japan

Tomoyuki Misumi

Research Analyst

Phillip Securities Japan

Upcoming

Why it Matters?

Fast, Data-Backed Picks

 Spot opportunities quickly

Click Here

Market Insights

Receive latest updates of the quarter

Click Here

Practical Analysis

Focused on what matters in today’s markets

Click Here

Transparent Reasoning

Clear context behind each suggestion

Click Here

Fast, Data-Backed Picks

 Spot opportunities quickly

Market Insights

Receive latest updates of the quarter

Practical Analysis

Focused on what matters in today’s markets

Transparent Reasoning

Clear context behind each suggestion

Popular Markets

Singapore Market

10 JAN, SAT
10:00am - 12:00pm

Join Paul Chew, Head of Research at Phillip Securities Research, Singapore equities are still racing ahead — powered by fresh liquidity on the grid and turbocharged by interest rates collapsing by the equivalent of six cuts. With momentum building and capital flows accelerating, the virtuous cycle is now at full throttle.

SIGN UP (ONLINE)

SIGN UP (OFFLINE)

US Market

15 JAN, THU
7:30pm - 9:00pm

Glenn Thum, Research Manager at Phillip Securities Research and the team will share their insights on the tech sector and outlook for the US Magnificent 7 stocks for 1Q2026! The team will also provide a brief overview of the US Banking sector.

SIGN UP (ONLINE)

SIGN UP (OFFLINE)

China & Hong Kong Market

14 JAN, WED
12:00pm - 2:00pm

Louis Wong, Director of Phillip Securities Hong Kong will take the wheel to explore the forces driving recent market performance and provide strategic insights for Q1. Navigate the Hang Seng Index’s momentum, analyze how China’s economic data and potential FED rate cuts may impact Hong Kong equities, and discover the top stock picks and sectors positioned to accelerate in the coming quarter.

SIGN UP (ONLINE)

SIGN UP (OFFLINE)

Claim Your Rewards

Stock Coupon for Grabs

Min spend S$100
*Only applicable for online webinar attendees

PAMP Gold

PAMP Gold 1G x 3

CapitaLand Vouchers

worth S$10, S$20, S$30

Min spend S$100 *Only applicable for online webinar attendees

Stock Coupon for Grabs

Min spend S$100
*Only applicable for online webinar attendees

PAMP Gold

PAMP Gold 1G x 3

CapitaLand Vouchers

worth S$10, S$20, S$30

Physical Event Highlight - Featured Speakers

10 JAN, SAT 12:00pm

Marcus Ng
Vice President,
Cross Asset Listed Distributed,
Asia Pacific, Societe Generale

About

Marcus manages product, sales, and marketing for Daily Leverage Certificates (Singapore) and Warrants & CBBCs (Hong Kong. Previously, he spent over 7 years at SGX managing listed structured products and research distribution, starting in their Management Associate programme.

10 JAN, SAT 12:20pm

Shankar Panchadcharam
Senior Director,
Business Development,
UOB Asset Management

About

Shankar is a Senior Director at UOB Asset Management in Singapore. He joined the company in 2011. His team is responsible for marketing the firm’s investment capabilities to and developing investment solutions for the core distribution channels in the Singapore, Malaysia, Thailand, Brunei and other regional markets in Asia. His responsibilities also include client servicing and supporting the regional offices in business development.
Prior to this, he was the Head of Investments at UOB Bank Malaysia looking at Investment Product offerings which includes Unit Trust Funds, Structured Investments and other Investment Solutions. He has more than 22 years’ experience in the retail investment industry with previous roles in Asset Management Companies and Financial Institutions.

10 JAN, SAT 12:40pm

Ong Xun Xiang
Head of ETFs
Lion Global Investors

About

Xun Xiang is the Head of ETFs at Lion Global Investors. He is responsible for driving the ETF business through building and commercialising ETFs, which includes speaking at ETF events to equip the public with investment and industry knowledge.
Xun Xiang has built a wealth of experience in various roles across asset management, private banking and fintech. Prior to joining Lion Global Investors, he was a Capital Markets Assistant Vice-President at ADDX (formerly iSTOX), a MAS-licensed digital securities platform empowering investor access to private capital opportunities. Before that, he was an Assistant Vice-President at BNP Paribas Wealth Management’s Key Client Group where he helped originate, manage and drive private market investment opportunities for ultra-high net worth individuals. Xun Xiang holds a Bachelor of Accountancy from Nanyang Technological University and is a Chartered Financial Analyst (CFA), Chartered Alternative Investment Analyst (CAIA), Chartered Accountant (Singapore) and ASEAN CPA charterholder.

Past Event Coverage

Thank You for 50 years of Trust

Think Big, Start Small. Build Your Portfolio by Investing Regularly.

Think Big, Start Small. Build your Portfolio by investing Regularly.

Receive S$50 In Rewards when you invest in

Hong Kong SDR counters via Share Builders Plan.

Receive S$50 In Rewards when you invest in

Hong Kong SDR counters via Share Builders Plan.

Why Share Builders Plan (SBP)

Take the first step towards growing your portfolio the smart way. With SBP, you can start investing regularly from just S$100/month through dollar-cost averaging. It’s a disciplined, stress-free way to build wealth over time without needing a large upfront sum. LEARN MORE ABOUT SBP

What are Hong Kong Singapore Depository Receipts (SDR)

A Hong Kong SDR allows you to invest in Hong Kong-listed companies through the SGX, without trading directly on overseas markets. Each SDR is backed by the underlying shares held by a custodian, giving you beneficial ownership and easy access to global opportunities.

Why invest in HK SDRs?

Secure Custody Held safely with CDP or sub-accounts under Phillip Securities. Global Access Invest in overseas companies through a single marketplace. Cost-Efficient Local brokerage and fees apply, no additional FX or overseas charges. SGD Trading Trade, clear and settle during SGX market hours in SGD. Flexible & Transparent Easily convert to underlying securities; corporate actions clearly announced.

Eligible HK SDR counters

ALIBABA HK SDR 5TO1 ALIBABA HK SDR 5TO1 2

BYD HK SDR 10TO1

TENCENT HK SDR 10TO1

MEITUAN HK SDR 5TO1

BANK OF CHINA HK SDR 1TO1

HSBC HK SDR 5TO1

XIAOMI HK SDR 2TO1

PING AN INS HK SDR 2TO1 LEARN MORE ABOUT SDR

Start your Share Builders Plan now!

New User

OPEN AN ACCOUNT

Existing User

START NOW T&Cs SBP HK SDR Promo T&C 1. The Promotion Period is from 6 Oct 2025 (0000hrs) to 31 Dec 2025 (2359hrs), both dates inclusive. 2. The first 100 Customers who sign up for Share Builders Plan (SBP) or Junior Share Builder Plan (JSBP) and invest in the eligible Hong Kong Singapore Depository Receipts (HK SDR) counters during the Promotion Period will receive a S$50 cash reward.

No.	Full Company Name	Counter Name in POEMS	Sector	*Dividend Yield
1	ALIBABAB HK SDR 5TO1	Alibaba Hk SDR 5to1	Information & Communication Technology	New
2	BANK OF CHINA HK SDR 1TO1	Bank of CN HK SDR 1to1	Banking	New
3	BYD HK SDR 10TO1	BYD HK SDR 10to1	Automobile	New
4	HSBC HK SDR 5TO1	HSBC HK SDR 5to1	Banking	New
5	TENCENT HK SDR 10TO1	Tencent HK SDR 10to1	Information & Communication Technology	New
6	XIAOMI HK SDR 2TO1	Xiaomi HK SDR 2to1	Consumer Electronics	New
7	MEITUAN HK SDR 5TO1	Meituan HK SDR 5to1	E-commerce	New
8	PING AN INS HK SDR 2TO1	Ping An Ins HK SDR 2to1	Insurance	New

Disclaimer: Dividend yield figures for SBP counters are obtained from Bloomberg. The trailing 12-month dividend yield is based on data of 20 May 2025 and may be subject to future revisions. 3. Eligible Customers aged 18 to 30 years old will receive an additional S$50 cash reward (total S$100). 4. Eligible Customers will receive the cash reward, subject to the following conditions: • The Customer’s SBP or JSBP account must be opened and successfully linked to eGIRO. • A minimum monthly investment of S$100 must be made for at least 6 consecutive months. • Any failed GIRO deduction, or any suspension or termination of the SBP or JSBP account during the 6-month qualifying period will result in the Customer being disqualified. 5. The qualifying period begins from the date of the first successful monthly investment. 6. The S$50 or S$100 cash reward will be credited to the Customer’s SBP or JSBP account within 30 business days after completing the 6-month qualifying period. 7. Customers will receive an email confirming their eligibility within 7 business days of account opening. 8. Each customer is limited to one reward under this promotion. 9. The following Customers are NOT eligible for this promotion unless approved by the management of PSPL: • Customers who engage the services of a representative from an external provider (B2B). • Corporate Accounts and Institutional Accounts. • All employees of PSPL’s entities and its partners (e.g., trading representatives, financial advisors) and their immediate families (e.g., spouse and children). 10. PSPL reserves the right at any time in its absolute discretion to (i) amend, add to, and/or delete at any time of these Terms & Conditions without prior notice (including eligibility and qualifying terms and criteria), and all participants shall be bound by such amendments, additions and/or deletions when effected, or to (ii) vary, withdraw, and/or cancel any items or the promotion itself without having to disclose a reason, and without any compensation or payment whatsoever. PSPL’s decisions on all matters relating to the promotion are final and binding on all participants. 11. By taking part in the promotion, you agree and consent to PSPL sending relevant information to third-party service providers to facilitate the delivery and redemption of the Rewards. 12. In the event of a dispute over the Customer’s eligibility to participate in this promotion, PSPL’s decision will be final. 13. This advertisement has not been reviewed by the Monetary Authority of Singapore. Who is eligible to participate in the Promotion? This promotion is open to the first 100 Customers who sign up for Share Builders Plan (SBP) or Junior Share Builder Plan (JSBP) and invest in the eligible Hong Kong Singapore Depository Receipts (HK SDR) counters. What are the eligible HKD SDR counters? Refer to the list below:

No.	Full Company Name	Counter Name in POEMS	Sector	*Dividend Yield
1	ALIBABAB HK SDR 5TO1	Alibaba Hk SDR 5to1	Information & Communication Technology	New
2	BANK OF CHINA HK SDR 1TO1	Bank of CN HK SDR 1to1	Banking	New
3	BYD HK SDR 10TO1	BYD HK SDR 10to1	Automobile	New
4	HSBC HK SDR 5TO1	HSBC HK SDR 5to1	Banking	New
5	TENCENT HK SDR 10TO1	Tencent HK SDR 10to1	Information & Communication Technology	New
6	XIAOMI HK SDR 2TO1	Xiaomi HK SDR 2to1	Consumer Electronics	New
7	MEITUAN HK SDR 5TO1	Meituan HK SDR 5to1	E-commerce	New
8	PING AN INS HK SDR 2TO1	Ping An Ins HK SDR 2to1	Insurance	New

Disclaimer: Dividend yield figures for SBP counters are obtained from Bloomberg. The trailing 12-month dividend yield is based on data of 20 May 2025 and may be subject to future revisions. When will I receive my rewards? Eligible customers will receive the cash reward in their SBP account within 30 business days after completing the 6-month qualifying period. How can I check my reward? You can view the reward in your SBP monthly statement.

Grateful for 50 Years of Trust and Partnership