Invest in Something
That Lasts.

Grow your wealth.
Enjoy exclusive rewards.

Open An Account

• Begin with confidence

Account Opening Rewards

Support from our equity specialists and research analysts, plus a vibrant community of
investors — from day one.

0 US Commission on Stocks & ETFs

No Settlement Fee, No Platform Fee, No US Custody Fee

True Zero

Free Live Price & SGX Market Depth

Stay ahead with live prices for SGX, US stocks, US options and more.

0% Sales Charge on Unit Trusts

Unlock access over 2,000 unit trusts. 
CPF and SRS available.

• Welcome gift tiers

Unlock bigger rewards as you fund

Choose your funding tier and receive US/SG Stock Coupons to put straight to work in your
portfolio.

Tier 1

S$80

US/SG Stock Coupons

  Fund within 14 days — S$3,000

  Hold period — 30 Days

  Coupon expiry — 90 Days

Tier 2

S$300

US/SG Stock Coupons

  Fund within 14 days — S$10,000

  Hold period — 30 Days

  Coupon expiry — 90 Days

Tier 3

S$500

US/SG Stock Coupons

  Fund within 14 days — S$50,000

  Hold period — 30 Days

  Coupon expiry — 90 Days

Open An Account

• How to qualify

Three simple steps to Receive 

your welcome gift

Meet these requirements during the campaign period to unlock your National Day stock

1

New to POEMS

Be a new customer to Phillip Securities Pte Ltd (PSPL).

2

Open a Cash Plus Account

Or get referred and open a Cash Management Account during the promotion period.

3

Opt into SMART Park

Within 14 days of account opening to grow idle cash.

Get Up To S$500 Worth of Stock Coupons

0 US Commission for a Lifetime

Enjoy Free Live Price and SGX Market Depth

0% 

 Sales Charge

on Unit Trusts

Get Up To S$500 Worth of Stock Coupons

0 US Commission for a Lifetime

Enjoy Free Live Pricing and SGX Market Depth

0%

Sales Charge on

Unit Trust

• Take it further

Go further with CFD

Activate a POEMS CFD Account and enjoy extra welcome rewards built to maximise your
first 30 days.

01

Opt in to CFD

0 US Equity CFD commission for
30 days

02

Fund at least S$3,000 within 14 days of CFD account opening.

03

Hold the funds for at least 30
days from account opening.

04

Execute at least 3 eligible CFD
trades within 60 days.

Receive S$50 in Cash Credits

Open a CFD Account

The Platform That Started It All.

30 Years of POEMS. One App, Multiple Market.

POEMS pioneered online trading in 1996 — and 30 years on, the same platform now lives in your pocket. Trade across 26 markets, including SG, US, & HK from one app, backed by 1,000+ investment specialists.

Top ETF Broker

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Company of Good

Invest in something that lasts.

True Zero. Built for Singapore.

Open a Cash Plus Account this National Day, fund within 14 days, and
claim up to S$500 in Stock Coupons.

Open An Account

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

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.

Will I be eligible for the Tier 1 Fund Reward if I deposit S$1,000 initially and top up another S$2,000 within 14 days of Account Opening date?

1. Yes, you will be eligible to receive the Tier 1 Fund Reward if
   
   1. your combined deposits total at least S$3,000 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.

Terms & Conditions

T&Cs for National Day Welcome Gifts 2026:

1. Eligibility criteria:
   
   1. Customers new to Phillip Securities Pte Ltd (“PSPL”) who open a Cash Plus Account and opt-in to Excess Funds Management Facility (SMART Park) from 1 July 2026 to 31 August 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. 0% Sales Charge on Unit Trust
      2. Free Live Prices for SGX and US Asian Hours
      3. Free Live Prices for US (NASDAQ, NYSE, AMEX), MY (BURSA), TH (SET), and US Options for non-professionals. Please opt in here.
      4. Free SGX Enhanced Market Depth Access until 30 November 2026
   2. Fund Reward:
      
      1. For Tier 1, customers receive S$80 Stock Coupons when they fund at least S$3,000 within 14 days of Account opening (“Initial Capital”) and hold the funds for at least 30 days
      2. For Tier 2, customers receive S$300 Stock Coupons when they fund at least S$10,000 within 14 days of Account opening (“Initial Capital”) and hold the funds for at least 30 days
      3. For Tier 3, customers receive S$500 Stock Coupons when they fund at least S$50,000 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$3,000/S$10,000/S$50,000 to be eligible for the Fund Reward based on 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. If the daily Net Cumulative Deposit falls below S$50,000 but remains at or above S$10,000, Customers will be eligible for the Tier 2 Reward.
   9. If the daily Net Cumulative Deposit falls below S$10,000 but remains at or above S$3,000, Customers will be eligible for the Tier 1 Reward.
   10. If the daily Net Cumulative Deposit falls below S$3,000, Customers will not be eligible for any Fund Reward.
3. Activation and Crediting of Rewards
   
   1. Account Opening Rewards:
      
      1. 0% Sales Charge on Unit Trust will be granted upon Account opening.
      2. Free Live Prices for SGX and US Asian Hours will be granted upon Account opening.
      3. 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), and US Options
      4. Free subscription for SGX Enhanced Market Depth Access would be granted automatically.
   2. Tier 1 or 2 or 3 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 or 3 Fund Reward, once they have fulfilled the requirements.
      2. 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. SG/US Market only
         3. Cash trades only
         4. Online trades only
         5. A minimum contract value of S$100/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.

In collaboration with Lion Global Investors and UOB Asset Management

Promotion #1

Receive S$10 in Bonus Units

for every S$10,000 of fresh funds invested via cash subscription

Promotion Period

22 Jun – 21 Sep 2026

Maximum Bonus

S$100 in bonus units per fund

Holding Period

90 calendar days

Participating Funds

Choose from a range of funds below, designed to support your goals whether you’re building wealth, seeking income,
or managing the current volatility.

Seek Income or Yield

For investors seeking income or yield as part of their portfolio.

United Asian HY Bond

UOB United Asian High Yield Bond Fd SGD (Dis)	BUY
UOB United Asian High Yield Bond Fd SGD (Acc)	BUY
UOB United Asian High Yield Bd Fd A SGD Acc H	BUY
UOB United Asian High Yield Bd Fd A SGD Dist H	BUY
UOB United Asian High Yield Bond Fd USD (Acc)	BUY
UOB United Asian High Yield Bond Fd USD (Dis)	BUY

United SGD Fund

UOB United SGD Fund CL A (Acc)	BUY
UOB United SGD Fund CL A (Dis)	BUY
UOB United SGD Fund CL A (Acc) USD Hedged	BUY
UOB United SGD Fund CL A (Dis) USD Hedged	BUY
UOB United SGD Fund CL S SGD (Dis)	BUY
UOB United SGD Fund CL S USD (Dis) Hedged	BUY

LionGlobal Singapore Dividend Equity Fund

LionGlobal Singapore Dividend Equity Fund SGD	BUY
LionGlobal Singapore Dividend Equity Fund USD	BUY
LionGlobal Singapore Dividend Equity Fund USD-H	BUY

Build Wealth

For investors focusing on wealth accumulation through global commodities related securities.

United Gold and General Fund

United Gold and General Fund

BUY

Long-Term Capital Appreciation

For investors taking a long-term approach to sustained growth.

LionGlobal Singapore Trust Fund

LionGlobal Singapore Trust Fund SGD (Acc)

BUY

LionGlobal China Growth Fund

LionGlobal China Growth Fund	BUY
LionGlobal China Growth Fund USD	BUY

LionGlobal Asia Pacific Fund

LionGlobal Asia Pacific Fund

BUY

United China A-Shares Innovation Fund

UOB United China A-Shares Innovation Fd Cl A SGD (Acc)

BUY

United Asia Fund

UOB United Asia Fund Class A SGD ACC	BUY
UOB United Asia Fund Class A SGD Dis	BUY

Diversify & Hedge

For investors looking to diversify their portfolio and manage risk through alternative assets.

LionGlobal Singapore Physical Gold Fund

LionGLobal Physical Gold Fund SGDH Cl A	BUY
LionGLobal Physical Gold Fund SGD Cl A	BUY
LionGLobal Physical Gold Fund USD Cl A	BUY

Three Simple Steps to Receive Your Bonus Units

1

Invest

Invest in any Participating Fund through your POEMS or Advisory Account via cash subscription only, on fresh funds.

2

Hold

Hold your investment for a minimum of 90 consecutive calendar days to qualify.

3

Receive

Bonus units are credited into the same fund within 120 calendar days after the promotion ends.

Eligible Accounts

POEMS Account:

Cash Plus, Cash Management, Margin, Prepaid or Custodian Account

Advisory Account:

Unit Trust Wrap or Advisory Account

Promotion #2

Be Rewarded More — Exclusive Lucky Draw

S$

610

in Bonus Units credited to the same fund you subscribed to

Earn one lucky draw chance for every S$10,000 of fresh funds invested via cash
subscription into selected Participating Funds.

How to qualify

• Successfully participate in Promotion #1 and meet all T&C requirements.
• Join and remain a member of the "Unit Trust Community" throughout the promotion and holding period, up to the 
announcement of the winner.

Join the Unit Trust Community — 5 steps

1	Log in to your POEMS Account.
2	Navigate to the "Community" tab at the bottom of the app.
3	Key in "Unit Trust" in the search bar at the top.
4	Click on the "Groups" tab.
5	Click "Join" — you're in.

One winner will be announced in Dec 2026 / Jan 2027 via the Unit
Trust Community on the POEMS Mobile 3 App.

Invest Now Join the UT Community

Terms & Conditions

Campaign Terms and Conditions

Definition

1. “PSPL x LGI x UOBAM Campaign” refers to the joint campaign between Phillip Securities Pte Ltd, Lion Global Investors Ltd. and UOB Asset Management Ltd. that customers can participate in, either one or two of the promotions stated in point 13.
2. “PSPL” refers to Phillip Securities Pte Ltd
3. “POEMS Account” refers to Cash Plus, Cash Management, Margin, Prepaid or Custodian Account.
4. “Advisory Account” refers to Unit Trust Wrap or Advisory Account.
5. “Promotion Period” refers to the period from 22 June 2026 till 21 September 2026, both dates inclusive.
6. Orders for the purchase of the selected funds stated in the table in point 13) must be received by 21st September, before 3pm.
7. “Holding Period” refers to the 90 consecutive calendar days period to keep the Participating Funds in the account with no withdrawal of funds during this period.
8. “Eligible Customer” refers to new customers who opens an Advisory/POEMS Account and existing customers who have an Advisory/POEMS Account and complete the respective Promotion criteria during the Promotion Period.
9. “Non-Eligible Customer” refers to customers who shall not qualify for the Promotion unless approved by the management of Phillip Securities Pte Ltd (“PSPL”)
   
   1. Customers who do not have an Advisory/POEMS Account namely (Advisory or Unit Trust Wrap, Cash Plus or Cash Management, Margin, Prepaid or Custodian Account)
   2. Customers whose Accounts have been suspended, cancelled or terminated.
   3. PSPL institutional Customers and corporate Customers.
10. Customers must be at least 18 years of age.
11. The following categories of persons are not eligible to participate in the Promotion: employees (e.g. staff, trading representatives, financial adviser representatives of PhillipCapital group of companies, its related entities, and their immediate families of PSPL. Immediate family means any of the following: spouse, ex-spouse, de-facto spouse, child, step-child (whether natural or by adoption), parent, step-parent, grandparent, step-grandparent, uncle, aunt niece, nephew, mother, sister, step-brother, step-sister or first cousin.
12. “Qualified Customer” refers to Eligible Customers who complete either one or both Promotion criteria in point 13.
13. Promotion #1 and Promotion #2 criteria are as follows:
    

    Promotion #1

    Eligible Customers who invest fresh funds into the selected Lion Global Investors Ltd. or UOB Asset Management Ltd. funds listed below from 22 June 2026 till 21 September 2026, both dates inclusive, may receive S$10 worth of bonus units* for every S$10,000 invested via cash subscription, capped at S$100 worth of bonus units* per Participating Fund, subject to fulfilment of the promotion criteria stated below.

    Promotion #1 (From 22 June 2026 till 21 September 2026, both dates inclusive)
    Eligible Accounts	Participating Funds	Holding Period	Reward
    Advisory Accounts (Advisory or Unit Trust Wrap) POEMS Accounts (Cash Plus or Cash Management, Margin, Prepaid or Custodian Account)	LionGlobal Singapore Dividend Equity Fund LionGlobal Singapore Dividend Equity Fund SGD (SG9999013460) LionGlobal Singapore Dividend Equity Fund USD (SG9999013478) LionGlobal Singapore Dividend Equity Fund USD-H (SG9999013486) LionGlobal Singapore Trust Fund LionGlobal Singapore Trust Fund SGD (Acc) (SG9999002406) LionGlobal Physical Gold Fund LionGlobal Physical Gold Fund SGD Cl A (SGXZ20357158) LionGlobal Physical Gold Fund SGDH Cl A (SGXZ74563800) LionGlobal Physical Gold Fund USD Cl A (SGXZ85871689) LionGlobal Asia Pacific Fund  LionGlobal Asia Pacific Fund (SG9999002562) LionGlobal China Growth Fund LionGlobal China Growth Fund (SG9999002463) LionGlobal China Growth Fund USD (SG9999002471) United SGD Fund UOB United SGD Fund CL A (Acc) (SG9999001382) UOB United SGD Fund CL A (Dis) (SG9999010805) UOB United SGD Fund CL A (Acc) USD Hedged (SG9999014864) UOB United SGD Fund CL A (Dis) USD Hedged (SG9999014872) UOB United SGD Fund CL S SGD (Dis) (SGXZ16137382) UOB United SGD Fund CL S USD (Dis) Hedged (SGXZ18528414) United Asian HY Bond UOB United Asian High Yield Bond Fd SGD (Acc) (SG9999010011) UOB United Asian High Yield Bond Fd SGD (Dis) (SG9999010029) UOB United Asian High Yield Bond Fd USD (Acc) (SG9999010037) UOB United Asian High Yield Bond Fd USD (Dis) (SG9999010045) UOB United Asian High Yield Bd Fd A SGD Acc H (SG9999017628) UOB United Asian High Yield Bd Fd A SGD Dist H (SG9999017636) United Gold and General Fund UOB United Gold & Gen Fd S,(G9999001143) United Asia Fund UOB United Asia Fund Class A SGD ACC (SG9999001051) UOB United Asia Fund Class A SGD Dis (SGXZ90724238) United China A-Shares Innovation Fund UOB United China A-Shares Innovation Fd Cl A SGD (Acc) (SGXZ49509284)	90 consecutive calendar days	S$10 worth of bonus units* (capped at S$100 worth of bonus units* per Participating Fund) for every S$10,000 of fresh funds invested via cash subscription

    Fresh Funds Invested Per Participating Fund	Total Fresh Funds Invested and Held for 90 Consecutive Calendar Days	Holding Period	Bonus Units
    S$10,000	S$10,000	90 consecutive calendar days	S$10
    S$20,000	S$20,000		S$20
    S$30,000	S$30,000		S$30
    : :	: :		: :
    S$100,000	S$100,000		S$100 capped

    By participating in Promotion #1, participants acknowledge and agree that:

    1. Bonus units will only be qualified for crediting upon successful completion of the 90 consecutive calendar days Holding Period. Bonus units will be distributed within 120 calendar days from the end of the Promotion Period and credited into the same Participating Fund invested in by the customer
    2. Participants may switch between funds within the Participating Fund list during the Promotion Period, and the Holding Period shall be reset and recalculated from the date of such switch.
     

    Promotion #2

    Eligible Customers may earn one (1) lucky draw chance for every S$10,000 of fresh funds invested via cash subscription into the selected Lion Global Investors Ltd. or UOB Asset Management Ltd. funds listed under Promotion #1.

    Qualifying Criteria

    To qualify for Promotion #2, customers must fulfil all of the following requirements:

    a. Successfully participate in Promotion #1 and satisfy all applicable requirements stated under the Terms and Conditions.

    b. Join and remain a member of the “Unit Trust Community” on the POEMS Mobile 3 App throughout the Promotion Period and Holding Period, up to the announcement of the Lucky Draw Winner.

    Steps to join the Unit Trust Community on our POEMS Mobile 3 App

    1. Log in to your POEMS Account
    2. Navigate to the “Community” tab located at the bottom of the app
    3. Key in “Unit Trust” in the search bar at the top of the app
    4. Click on “Groups” tab
    5. Click “Join”

    Promotion #2 (From 22 June 2026 till 21 September 2026, both dates inclusive)
    Fresh Funds Invested Per Participating Fund	Total Fresh Funds Invested and Held for 90 Consecutive Calendar Days	Holding Period	Bonus Units	Lucky Draw Chances
    S$10,000	S$10,000	90 consecutive calendar days	S$10	1
    S$20,000	S$20,000		S$20	2
    S$30,000	S$30,000		S$30	3
    : :	: :		: :	: :
    S$100,000	S$100,000		S$100 capped	10
    Customers who fulfil the criteria for Promotion #1 but do not fulfil the criteria for Promotion #2 will only be eligible for the rewards under Promotion #1. One (1) lucky draw winner will receive S$610 worth of bonus units credited into the same fund that was subscribed to. The bonus units will be credited into the winner’s Advisory Account or POEMS Account. The lucky draw winner will be selected through a randomised draw. The winner will be announced in December 2026 or January 2027 via the Unit Trust Community on the POEMS Mobile 3 App and will also be notified through the email address registered under the customer’s POEMS Account and/or Advisory Account.

14. The Lucky Draw Winner will be informed via their registered email in December 2026 or January 2027. In the event that the Lucky Draw Winner does not respond by the date stated in the email or redeem the Lucky Draw Prize by the stated expiry date, the Lucky Draw Prize will be forfeited, withdrawn or given to a reserve winner at the sole and absolute discretion of PSPL.
15. PSPL reserves the right to use any other method or medium at its sole and absolute discretion for the purpose of announcing the winner of Promotion #2.
16. By participating in Promotion #2, the Lucky Draw Winner understands that any changes made to the product purchased after the promotion entry may affect the Lucky Draw Prize eligibility and they will be automatically disqualified from eligibility if:
    
    1. They change the product that does not meet the original qualifying criteria.
    2. They cancel or replace the product with one that fails to meet the original qualifying criteria of the campaign, as stated at the time of participation.
17. By participating in Promotion #2, the Lucky Draw Winner understands that the Bonus Units will be credited into the same fund that was subscribed to.
18. PSPL reserves the right to vary the terms and conditions or withdraw both Promotions at any time without prior notice.
19. PSPL may replace, modify or withdraw the Bonus Units and/or Lucky Draw Prize at any time without notice or liability. Bonus Units and/or Lucky Draw Prize are not transferable, not exchangeable and cannot be substituted with cash or any other items.
20. PSPL shall not be liable for any incomplete, lost, late, damaged, illegible or misdirected Entries for any reason whatsoever or problems or technical malfunction of computer online systems, servers, providers or technical problems, or any combination thereof.
21. PSPL makes no representation as to the quality or performance of the Bonus Units and/or Lucky Draw Prize provided by the merchants/vendors in connection with both Promotions.
22. By participating in both Promotions, the Participants acknowledge and accept that the use of each Bonus Units / Lucky Draw Prize is subject to the terms and conditions set forth in this Campaign.
23. PSPL decisions in all matters related to the Bonus Units and/or Lucky Draw Prize and the Lucky Draw winner shall be final. No correspondence or appeals shall be entertained in relation thereto.
24. In the event of any inconsistency between these terms and conditions and other marketing or promotional materials, these terms and conditions shall prevail.
25. By participating both Promotions, Participants hereby agree to all the terms and conditions of participation in the campaign as set out herein, including all amendments, additions, replacements and modifications hereto as may from time to time be made by PSPL.
26. By participating in both Promotions, the Participant represents and warrants for the benefit of PSPL that the information submitted to PSPL is true, accurate, complete and up to date.
27. By participating in both Promotions, the Participants and Lucky Draw Winner must not have withdrawn their marketing consent to PSPL at the point of collecting the Bonus Units and/or Lucky Draw Prize. Doing so will result in the Participants and Lucky Draw Winner being disqualified from the Bonus Units and/or Lucky Draw Prize and forfeited.
28. The judging and determination of the eligibility of any person to participate in both Promotions and selection of Lucky Draw Winner shall be at the sole and absolute discretion of PSPL. The decisions of PSPL on all matters relating to both Promotions are final, conclusive and binding. PSPL shall not be obliged to give any reason or prior notice or enter into any correspondence with any person on any matter concerning both Promotions or its decisions and no appeal, correspondence or demands or claims will be entertained.
29. All details and particulars submitted by Participants must be accurate, true and complete. Incomplete, inaccurate and illegible Entries will be disqualified. If PSPL subsequently determines whether a person is in fact not eligible, or if a Lucky Draw Winner does not fulfil his or her obligations for any reason whatsoever, PSPL may at its discretion, disqualify the Participant and clawback/cancel any or all the Bonus Units and/or Lucky Draw Prize without prior notice.
30. The Participants acknowledge and accept that use of the Bonus Units and/or Lucky Draw Prize may be further subject to the terms and conditions of the relevant merchant providing the Bonus Units and/or Lucky Draw Prize.
31. Participants hereby assign to PSPL, all rights, title and interest in all intellectual property rights created during the registration and documentation process and to fully disclaim and waive all intellectual property rights and moral rights. If necessary, Participants shall execute all further documents and deeds necessary to effect, perfect, record or register such assignment at the Participant’s own cost.
32. PSPL is the sole owner of any and all intellectual property arising from submission of an Entry and from creation of both Promotions’ content and it may use and license others to use the Entry content and both Promotions in which Participants and/or Winner appears, in any and all media by any manner or means whether or not now known or invented, used or contemplated, throughout the world, for an unlimited number of times in perpetuity without any further payment made to Participants and/or Winner.
33. PSPL may request a valid identification of NRIC number/passport number of any Participants and/or Winner before the Bonus Units and/or Lucky Draw Prize is awarded.
34. PSPL reserves the right to forfeit any Bonus Units and/or Lucky Draw Prize for any Participants and/or Winner who does not adhere to the terms and conditions of both Promotions upon the Bonus Units and/or Lucky Draw Prize collection.
35. PSPL reserves the right to cancel, modify, suspend or delay both Promotions at its sole discretion.
36. PSPL has the right to use the names, photographs, videos and/or other submission materials of the participants and all other entries for publicity purposes without any prior notice to you. The participants shall not be entitled to claim ownership or other forms of compensation for the materials.
37. PSPL reserves the right to change, amend, delete or add to these Terms and Conditions without prior notice at any time and the Participants shall be bound by such changes.
38. By participating in both Promotions, each eligible customer is deemed to have accepted and agreed that PSPL may collect, use and disclose your personal data for the purpose of these promotions in accordance with the Personal Data Protection Act 2012 and our data protection policy.
39. By participating in both Promotions, Participants hereby agree to all the terms and conditions of participating in both Promotions as set out herein, including but not limited to the eligibility criteria, Bonus Units and/or Lucky Draw Prizes, the collection, use and transfer of personal data by PSPL, in accordance with the relevant PSPL Privacy Statement and all amendments, additions, replacements and modifications hereto as may from time to time be made by PSPL.

General Terms and Conditions

1. By participating in the Promotion, each Eligible Customer is deemed to have accepted and agreed to be bound by these terms and conditions and any other instructions, terms and conditions that PSPL may issue from time to time.
2. PSPL assumes no responsibility for incomplete, lost, late, damaged, illegible or misdirected forms or email communication, for technical hardware or software failures of any kind, lost or unavailable network connections, or failed incomplete, distorted or delayed electronic transmission which may limit an Eligible Customer’s ability to participate in the Promotion.
3. PSPL has the sole and absolute discretion to exclude any Eligible Customers from participating in the Promotion without any obligation to furnish notice and/or reason.
4. PSPL reserves the right to disqualify or disregard any Eligible Customer who does not comply with the terms and conditions.
5. PSPL may at its discretion forfeit the Promotion, or, if already awarded, reclaim the Promotion at the expense of the Eligible Customer without payment, compensation, or having to give any reason whatsoever in the event PSPL subsequently discovers that the Eligible Customer is not eligible to participate in the Promotion and/or to receive the Promotion.
6. PSPL reserves the right to replace any Promotion with items of similar value at any time without prior notice.
7. PSPL shall not be liable for any loss of, damage to, defects, delay, mis-delivery or non-delivery of the Promotion.
8. PSPL reserves the right to deal with any unclaimed Promotion in any manner it deems fit.
9. PSPL reserves the right to request for the Eligible Customers’ proof of eligibility, identity and/or otherwise for the purposes of verifying the Eligible Customers’ claim to the Promotion at the time of collection.
10. PSPL is under no obligation whatsoever to disclose the identity of the Eligible Customers or to publish the same for any reason at any point in time.
11. The Promotion is non-transferable, not exchangeable for cash, credit or any other items of equivalent value.
12. By participating in this Promotion, each Eligible Customer agrees and consents to the collection, use and disclosure of any and all personal data of the Eligible Customer by PSPL and its advertising and promotional agencies for the purpose of administering and/or publicizing the Promotion, and providing the Eligible Customer with marketing, advertising and promotional information or materials relating to the products and services that PSPL offers.
13. PSPL may at any time be at its absolute discretion, without prior notice or assigning any reason thereof or being liable to any person,
    a. suspend, cancel or terminate the Promotion, or
    b. delete, vary, supplement, amend, modify any one or more of the terms and conditions of the Promotion.
14.  PSPL’s determination of all matters in connection with the Promotion shall be final, binding and conclusive.
15. PSPL is not obliged to give any reason or prior notice on any matter concerning the Promotion Period or the Promotion. No appeal, correspondence or claims will be entertained. PSPL has the right and discretion to determine whether a party has met the requirements of the Promotion and/or to redeem the Promotion. Eligible Customers shall not be entitled to any damages or compensation whatsoever or howsoever arising as a result of such amendment, suspension or termination.
16. By participating in the Promotion, all Eligible Customers agree and undertake to, at all times, indemnify, keep indemnified, and hold PSPL, its employees and agents harmless against all losses (including direct, indirect, incidental and/or consequential losses), damages (including general, special, and/or punitive damages), demands, injuries (other than personal injury caused by PSPL‘s negligence), claims, costs, penalties, interest and fees (including all legal fees as between solicitor and Customer or otherwise on a full indemnity basis whether or not incurred in respect of any real, anticipated, or threatened legal proceedings), howsoever caused by, arising or resulting from, whether directly or indirectly, their participation in the Promotion, acceptance or usage of the Promotion, and/or any breach or purported breach of these terms and conditions and/or any applicable law.
17. PSPL makes no warranty or representation as to the quality, merchantability or fitness for purpose of the merchants’ goods and services in respect of the Promotion. Any dispute about the same must be resolved directly with the Merchant. The Merchant Terms and Conditions apply.
18. In the event of any inconsistency or discrepancy between the terms and conditions and the contents of any brochure, marketing and/or promotional materials relating to the Promotion, these terms and conditions shall prevail.
19. Any trademarks, graphic symbols, logos or intellectual property contained in any materials used in connection with this Promotion, in particular the Promotion, are the property of their respective owners. PSPL is not affiliated with, or endorsed or sponsored by, such owners and their relevant affiliates.
20. Failure by PSPL to exercise any of its right or remedy under these Terms and Conditions does not constitute a waiver of that right or remedy.
21. The Terms and Conditions shall be governed by Singapore law and the Eligible Customers agree to submit to the exclusive jurisdiction of the courts of Singapore.
22. A person who is not a party to any agreement governed by these terms and conditions shall have no right under the Contracts (Right of Third Parties) Act 2001 to enforce any of these terms and conditions.
23. In case of dispute, the decision of PSPL shall be final.
24. PSPL, 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.
25. The Eligible Customer understands that he/she is entitled to withdraw his/her consent for the collection, use and disclosure of his/her personal data by notifying the Data Protection Officer (“DPO” ) in writing. The Eligible Customer also understands that by withdrawing his/her consent may mean that PSPL is unable to proceed with the respective Promotion Redemption.
26. PSPL reserves the right at any time in its absolute discretion to
    (1) amend, add to, and/or delete at any time of these Terms & Conditions without prior notice (including eligibility and Eligible terms and criteria), and all participants shall be bound by such amendments, additions and/or deletions when effected, or to
    (2) 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.
27. By taking part in this campaign, the customer acknowledges that he / she has read and consented to these Terms & Conditions.
28. This campaign will be valid from 22nd June 2026 until 21st September 2026, both dates inclusive.

Disclaimer

Important Note

This promotion is provided to you for general information only and does not constitute a recommendation, an offer or solicitation to buy or sell the investment product mentioned herein. It does not have any regard to your specific investment objectives, health, 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. You should read the prospectus and product highlights sheet before deciding to subscribe for units in the respective fund.

Investments are subject to investment risks including the possible loss of the principal amount invested. The value of any investments and the income from them may fall as well as rise.

Past performance figures as well as any projection or forecast used in this publication, are not necessarily indicative of future or likely performance of any securities.

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.

You are advised to read the trading account Terms & Conditions and Risk Disclosure Statement (available online at https://www.poems.com.sg/website-disclaimer/) before trading in investment products.

Access to services and your account may be affected by market conditions, system performance and other reasons. Third party research and information obtained from sources are deemed reliable; however, PSPL does not guarantee its accuracy or completeness and makes no warranties with respect to results to be obtained from its use.

This material and Information herein are not intended for any persons in any jurisdiction or country where such distribution or availability for use would contravene any applicable law or regulation or would subject PSPL to any registration or licensing requirement in such jurisdiction or country.

Though effort has been made to provide complete information, Phillip Securities Pte Ltd assumes no liability for the completeness of the information provided here.

Information is correct as of 25 May 2026.

This advertisement has not been reviewed by the Monetary Authority of Singapore.

 

3Q2026

Strategy & Stock Picks

Your trusted source of actionable market insights and high-conviction stock picks to stay ahead in 3Q2026.

Jul

04

10:00AM -
12:00PM

SAT

Jul

06

 

1:00PM -
2:00PM

MON

Jul

07

12:00PM -
2:00PM

TUE

Jul

07

7:30PM -
9:00PM

TUE

Jul

08

1:00PM -
2:00PM

WED

Jul

09

1:00PM -
2:00PM

THU

Jul

10

1:00PM -
2:00PM

FRI

3Q2026

Strategy & Stock Picks

Your trusted source of actionable market insights and high-conviction stock picks to stay ahead in 3Q2026.

Jul

04

10:00AM -
12:00PM

SAT

Jul

06

 

1:00PM -
2:00PM

MON

Jul

07

1:00AM -
2:00PM

TUE

Jul

07

7:30PM -
9:00PM

TUE

Jul

08

1:00PM -
2:00PM

WED

Jul

09

1:00PM -
2:00PM

THU

Jul

10

1:00AM -
2:00PM

FRI

Event Starts In

Days Hours Minutes Seconds

REGIONAL COVERAGE

Stock Picks
Across 7 Markets

Stock Picks Across 7 Markets

Expert analysis from regional specialists

Popular Market

Singapore

Paul Chew

Head of Research,
Phillip Securities Research

	04 JUL
	10:00AM-12:00PM SGT

View Session Synopsis

China,
Hong Kong

Louis Wong

Director
Phillip Securities HK

	07 JUL
	12:00PM-2:00PM SGT

View Session Synopsis

United States

United
States

Glenn Thum

Research Manager
Phillip Securities Research

	07 JUL
	7:30PM-9:00PM SGT

View Session Synopsis

Emerging Markets

malaysia card thailand card indonesia card japan card

Malaysia

Shahira Rahim

Head of Equity Strategy
Phillip Research Sdn Bhd

06 JUL
1:00PM-2:00PM SGT

View Session Synopsis

Thailand

Chutikan Santimetvirul

Head of Equity Strategy
Phillip Research (Thailand) PCL

08 JUL
1:00PM-2:00PM SGT

View Session Synopsis

Indonesia

Jasa Adhimulya

Senior Equity Analyst
Phillip Sekuritas Indonesia

09 JUL
1:00PM-2:00PM SGT

View Session Synopsis

Japan

Tomoyuki Misumi

Research Analyst
Phillip Securities Japan

10 JUL
1:00PM-2:00PM SGT

View Session Synopsis

Get Notified for Strategy & Stock Picks 3Q2026

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April 10, 2026

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April 15-21, 2026

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Grab your exclusive Investor Passport and step into the interactive Investor Experience Zone.

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Collect all your stamps and take part in our Social Media Challenge for a chance to win premium travel prizes!

What's Coming in Strategy & Stock Picks 3Q2026

Join us for the next edition of Strategy & Stock Picks as we navigate the opportunities and challenges of H2 2026. Get early access to insights, analysis, and actionable investment ideas.

Market Outlook

H2 2026 projections

Opportunities to Watch

Emerging themes

Regional Focus

Deep-dive markets

Sector Analysis

Top picks by sector

Expert Panels

Industry leaders

Live Q&A

Interactive sessions

Market Outlook

H2 2026 projections

Opportunities to Watch

Emerging themes

Regional Focus

Deep-dive markets

Sector Analysis

Top picks by sector

Expert Panels

Industry leaders

Live Q&A

Interactive sessions

    TRACK RECORD    

Past Strategy & Stock Picks

See what insights our experts have shared

Q2 2026

+8.5%

Strategy & Stock Picks Q2 2026

11 Apr 2026

Key Highlights

• Divergent Growth Drivers : Markets saw a split between AI-driven tech landscapes in the US and recovery-led growth in Southeast Asia, particularly through tourism and infrastructure spending
• Strategic Yield & Accumulation : High-dividend stocks remained a core pillar for returns, while market pullbacks created strategic opportunities to accumulate equities ahead of new government policy supports
• “The “Safe-Haven” Pivot: Ongoing geopolitical tensions (such as the Iran conflict) reinforced the status of stable markets and currencies as essential hedges for institutional capital
• Framework-Driven Investing : Navigating headwinds required a move away from broad index tracking toward core investment logics (like the HALO framework) and fundamental earning power

Watch Watch

Q1 2026

+12.3%

Strategy & Stocks Picks Q1 2026

15 Jan 2026

• Tech sector recovery strategies
• Asian market opportunities
• Portfolio rebalancing tactics

Watch

Q4 2025

+12.3%

Strategy & Stocks Picks Q4 2025

12 Oct 2025

• Global economic outlook
• Defensive positioning
• Currency hedging strategies

Watch

Q3 2025

+5.7%

Strategy & Stock Picks Q3 2025

18 Jul 2025

• Semiconductor sector analysis
• Emerging market focus
• ESG investment trends

Watch View All Past Sessions

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April 10, 2026

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April 15-21, 2026

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SPECIAL OFFER

Early Bird Package

Be among the first 300 to reserve your spot and attend ALL market sessions to receive a mystery gift(s) after your attendance is confirmed Limited Time Only

 

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Supported By

for China, Hong Kong and Singapore market session only

Mr. Geoff Howie

Mr. Howie is the Singapore Exchange’s Market Strategist, with 28 years of experience in financial markets and macroeconomic analysis. As the Exchange’s leading market communicator to the investing public, he established the SGX My Gateway Report, pens the weekly Inside Insights column in the Business Times, in addition to conducting regular interviews with CNBC, CNA, BFM and Money FM 89.3.... Mr. Howie was also named a LinkedIn Power Profile in 2018. Prior to his role at SGX, Mr. Howie held lead Broking and Market Strategist roles across the Asia Pacific offices of the world’s largest Futures and Options broker.

Mr Howie has received a Bachelor's and Master’s degree in Economics at the University of Queensland, with his thesis achieving the highest grade for first-mover policy research on the opening of Shanghai’s economy in the early 1990s. View More Hide

11 APR, SAT 2:30PM-3:00PM SGT

Mr. Bruce Zhang

Bruce Zhang, CFA – Head of Fixed Income, CSOP Asset Management Mr. Zhang Dinghai (Bruce) is Head of Fixed Income at CSOP and he is responsible for bond, REITs, money market and Singapore ETF investment strategies. His major responsibilities include ETF portfolio management and business development to enhance the company’s fixed income strategies positioning. He is responsible for billions of fixed income strategies across multiple sectors. Other responsibilities include bespoke analysis for the client facing teams and quantitative support for the local product group. Before that, Bruce worked at State Street Global Advisors and held several roles including product engineer, portfolio specialist and portfolio manager. Bruce holds a Master’s degree in Economics from the University of Hong Kong and a Bachelor of Arts from Peking University. He is a CFA Charter holder and is a member of CFA Institute and the Hong Kong Society of Financial Analysts. View More Hide

11 APR, SAT 3:00PM-3:30PM SGT

Mr. Marcus Ng

Marcus Ng leads the Cross Asset Listed Products Distribution for Societe Generale in Singapore. He is responsible for the issuance, product management, and distribution of Societe Generale’s listed structured products shelf in Singapore. He is focused on developing the Daily Leverage Certificates that have been listed in Singapore since 2017 while actively supporting the launch of Structured Certificates in 2023..., both a first of its kind in Asia.

Marcus leverages on the team’s extensive experience growing the Warrants and Callable Bull/Bear Contracts (CBBCs) offering in Hong Kong over the last decade and his own experience from his prior role at the SGX where he spent seven years managing the structured products listed on the securities market to drive innovation and develop the local listed structured products market to meet investors’ diverse needs View More Hide

11 APR, SAT 5:30PM-6:00PM SGT

SGX
Group

Mr. Geoff Howie

11 APR, SAT 2:30 PM - 3:00 PM SGT Mr. Howie is the Singapore Exchange’s Market Strategist, with 28 years of experience in financial markets and macroeconomic analysis. As the Exchange’s leading market communicator to the investing public, he established the SGX My Gateway Report, pens the weekly Inside Insights column in the Business Times, in addition to conducting regular interviews with CNBC, CNA, BFM and Money FM 89.3. Mr. Howie was also named a LinkedIn Power Profile in 2018. Prior to his role at SGX, Mr. Howie held lead Broking and Market Strategist roles across the Asia Pacific offices of the world’s largest Futures and Options broker.

Mr Howie has received a Bachelor's and Master’s degree in Economics at the University of Queensland, with his thesis achieving the highest grade for first-mover policy research on the opening of Shanghai’s economy in the early 1990s. View More Hide 11 APR, SAT 2:30PM-3:00PM SGT

CSOP Asset
Management

Mr. Bruce Zhang

11 APR, SAT 3:00 PM - 3:30 PM SGT Bruce Zhang, CFA – Head of Fixed Income, CSOP Asset Management Mr. Zhang Dinghai (Bruce) is Head of Fixed Income at CSOP and he is responsible for bond, REITs, money market and Singapore ETF investment strategies. His major responsibilities include ETF portfolio management and business development to enhance the company’s fixed income strategies positioning. He is responsible for billions of fixed income strategies across multiple sectors. Other responsibilities include bespoke analysis for the client facing teams and quantitative support for the local product group. Before that, Bruce worked at State Street Global Advisors and held several roles including product engineer, portfolio specialist and portfolio manager. Bruce holds a Master’s degree in Economics from the University of Hong Kong and a Bachelor of Arts from Peking University. He is a CFA Charter holder and is a member of CFA Institute and the Hong Kong Society of Financial Analysts. View More Hide 12 APR, SAT 3:00 PM - 3:30 PM SGT

Societe
Generale

Mr. Marcus Ng

11 APR, SAT 5:30 PM - 6:00 PM SGT Marcus Ng leads the Cross Asset Listed Products Distribution for Societe Generale in Singapore. He is responsible for the issuance, product management, and distribution of Societe Generale’s listed structured products shelf in Singapore. He is focused on developing the Daily Leverage Certificates that have been listed in Singapore since 2017 while actively supporting the launch of Structured Certificates in 2023..., both a first of its kind in Asia.

Marcus leverages on the team’s extensive experience growing the Warrants and Callable Bull/Bear Contracts (CBBCs) offering in Hong Kong over the last decade and his own experience from his prior role at the SGX where he spent seven years managing the structured products listed on the securities market to drive innovation and develop the local listed structured products market to meet investors’ diverse needs. View More Hide 11 APR, SUN 3:30 PM - 6:00 PM SGT

Get Rewarded By Joining in-Person

Prizes up for grabs from Kahoot! quizzes! Win CapitaStar Vouchers worth $30, $20 and $10

Bring home 1g gold bar, $200 FairPrice voucher or carry-on luggage from our lucky draw sessions!

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Thank You For The 50 Years Together

Terms & Conditions

Strategy & Stock Picks Event Lucky Draw – Terms & Conditions

1. Eligibility
To qualify for the Lucky Draw, participants must:

• Attend the Strategy & Stock Picks (“SSP”) event organised by Phillip Securities Pte Ltd (“PSPL”) on 4 July 2026 at SGX Centre 1, Singapore.
• Complete all required activities at the four (4) participating booths designated by PSPL during the SSP event.
• Successfully complete the tasks communicated at each participating booth.
• Submit all required information for verification purposes.
  Participants who do not complete all four (4) participating booths will not be eligible for the Lucky Draw.

 2. Lucky Draw Entry

•  Each eligible participant who successfully completes all four (4) participating booths is entitled to one (1) Lucky Draw entry.
• Incomplete, invalid, fraudulent or unverifiable entries may be disqualified at PSPL’s sole discretion.
• PSPL reserves the right to verify the eligibility of all participants before awarding any prize.

3. Prize

• Three (3) winners will each receive one (1) pair of airport lounge passes.
• Prizes are non-transferable, non-exchangeable and not redeemable for cash.
• PSPL reserves the right to substitute any prize with another prize or item of similar value without prior notice.

4. Winner Selection

• The Lucky Draw will be conducted within seven (7) calendar days after the SSP event.
• Winners will be selected at random from all eligible entries.
• Winners may be contacted using the contact details stated in their Investor Passport.
• If a winner cannot be contacted, fails to respond within seven (7) calendar days of notification, is found to be ineligible, or declines the prize, PSPL reserves the right to select an alternative winner.

5. Personal Data
By participating in this Lucky Draw, participants consent to PSPL collecting, using and disclosing their personal data for the purposes of:

• Administering the Lucky Draw;
• Verifying eligibility;
• Contacting winners;
• Prize fulfilment; and
• Disclosing relevant information to third-party service providers where necessary to facilitate prize delivery or redemption.

6. General

• References to “days” in these Terms & Conditions mean calendar days unless otherwise stated.
• In the event of any dispute relating to eligibility, participation, prize entitlement or any other matter concerning the Lucky Draw, PSPL’s decision shall be final and binding.
• PSPL reserves the right, at any time and in its absolute discretion, to amend, vary, add to or delete these Terms & Conditions without prior notice.
• PSPL reserves the right to vary, withdraw, suspend or cancel the Lucky Draw or any prize at any time without prior notice and without liability to any person.
• PSPL and its affiliates, employees and agents shall not be liable for any loss, damage, injury, costs or expenses incurred or suffered arising from or in connection with participation in the Lucky Draw or the acceptance, use or redemption of any prize.
• Participation in the Lucky Draw constitutes acceptance of these Terms & Conditions.

7. Disclaimer
This advertisement has not been reviewed by the Monetary Authority of Singapore.

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CFD Welcome Gift

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!

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

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Reward: 0 US Equity CFD Commission for 30 days

2

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3

Hold the funds for at least 30 days from Acct opening

4

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

OPEN CFD Account

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2

3

4

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Reward :
0 US Equity CFD Commission for 30 days 

Fund in at least S$3,000 within 14 days of CFD Acct opening 

Hold the funds for at least 30 days from Acct opening

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

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TIER 2

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Cash Plus Account

Online Brokerage Rate is determined based on the previous day end’s Total Asset Value in the Account.

Asset Values Markets ▶	Starter SGD 0 – SGD29,999	Premier SGD30,000 – SGD249,999	Privilege SGD250,000 and above
United States	Lifetime 0 Commission
Singapore	0.08%	0.07%	0.06%
	No Minimum Commission
Hong Kong	0.08%, min HKD 30	0.06%, min HKD 20	0.05%, min HKD 15
China	0.12%, min CNH 60	0.10%, min CNH 50	0.08%, min CNH 40
See more market
Canada	0.12% min CAD18	0.10% min CAD15	0.08% min CAD12
Malaysia	0.12%, min MYR 30	0.10%, min MYR 25	0.08%, min MYR 8.80
Thailand	0.18%, min THB 500	0.15%, min THB 400	0.12%, min THB 300
Indonesia	0.18%, min IDR 250,000	0.15%, min IDR 200,000	0.12%, min IDR 150,000
Japan	0.12%, min JPY 1200	0.10%, min JPY 1000	0.08%, min JPY 800
Australia	0.12%, min AUD 18	0.10%, min AUD 15	0.08%, min AUD 12
United Kingdom	0.12%, min GBP 18	0.10%, min GBP 15	0.08%, min GBP 12
Belgium	0.18%, min EUR 20	0.15%, min EUR 12	0.12%, min EUR 8
France	0.18%, min EUR 20	0.15%, min EUR 12	0.12%, min EUR 8
Netherlands	0.18%, min EUR 20	0.15%, min EUR 12	0.12%, min EUR 8
Portugal	0.18%, min EUR 20	0.15%, min EUR 12	0.12%, min EUR 8
Germany	0.18%, min EUR 20	0.15%, min EUR 12	0.12%, min EUR 8

Other Fees & Charges

Other Fees & Charges
Account Maintenance Fee (SGX)	Waived1	Waived1	Waived
Foreign Shares Custody Charges	Waived2	Waived2	Waived
Dividend Handling Fee (SGX)	Applicable3	Applicable3	Waived
Interests
Credit balance	Applicable For All4
Debit balance	Applicable For All5

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0% Sales Charge, 0% Switching Fee, 0% Platform Fee over 2000+ Unit Trusts. Invest with CPF and SRS
Update now Multi-currency facility: SGD, USD, HKD, AUD, MYR, JPY, GBP, EUR, CNY, CAD Financing available in 9 Currencies – SGD, USD, HKD, JPY, AUD, GBP, EUR, CNY & CAD Your Trusted Broker since 1975, with a growing global presence in 15 countries Our investment specialists and support teams are committed to ensure a seamless trading experience for you Receive insights from our timely market research to make your trading decisions

How to Start?

One account. Multiple markets. Smarter use of your cash.

1

Open a Cash Plus account

if you already have an account, click here to convert. 2

Download POEMS Mobile 3 App

Sign up for Free Live Prices and get access to POEMSGPT, Community and more.

3

Fund

Fund and put your idle cash to work, find out more about SMART Park

×

Steps to convert to Cash Plus Account:

Log in to POEMS 2.0 > Acct Mgmt > Online Forms > Account Conversion Form ×

This is provided to you for general information only and does not constitute a recommendation, an offer or solicitation to buy or sell the investment product 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.

Investments are subject to investment risks including the possible loss of the principal amount invested. Unit trusts distributed by Phillip Securities Pte Ltd (“PSPL”) are not obligations of, deposits in, or guaranteed by, PSPL or any of its affiliates.

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 publication are not necessarily indicative of future or likely performance of any unit trust. You should read the prospectus and product highlights sheet before deciding to subscribe for units in the respective fund. A copy of the prospectus can be obtained from the issuer or PSPL, or online at https://www.poems.com.sg/fund-finder/phillip-money-market-fund-534010/

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.

This advertisement has not been reviewed by the Monetary Authority of Singapore.

Close OPEN AN ACCOUNT

SMART Park

SGD 0.9425%USD 3.2786%

Rates are 7 days annualised and updated as of 04 May 2026

*Based on the average rate of annualised returns over the last rolling week.

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

LEARN MORE

Frequently Asked Questions

How are my Total Asset Value (AUC) calculated?

Total Asset Value is calculated based on clients’ credit balance, value of shares and bonds in the Cash Plus Account.
Debit balance will not be deducted from the value of clients’ credit balance, value of shares and bonds to determine Total Asset Value.

Illustration:
1) When a client has S$150,000 in Shares in his Cash Plus Account and S$100,000 credit balance, he will be deemed to have a total asset value of S$250,000.
2) When a client has S$250,000 in credit balance in his Cash Plus Account, he will be deemed to have a total asset value of S$250,000.
3) When a client has S$250,000 in Shares in his Cash Plus Account and S$100,000 debit balance, he will be deemed to have a total asset value of S$250,000.

For POEMS 2.0:

Login to POEMS 2.0 > Acct Mgmt > Stocks > Account Details or visit here

For POEMS Mobile 3 App:

Login to POEMS Mobile 3 App > Trade tab or visit here

When will Custody fees be charged?

Custody fees consists of Account Maintenance Fee and Foreign Share Custody Charges that are deducted on January, April, July and October, based on three-month average Total Asset Value, prior to those deduction months.
For new account that does not have a full three-month average, daily average of Total Asset Value will be used starting from account opening date.
For converted account that does not have a full three-month average, daily average of Total Asset Value will be calculated starting from conversion date.

How do I know if I am qualified for Dividend Handling Fee (SGX) waiver?

Dividend Handling Fee will be waived for Total Asset Value of SGD250,000 and above, based on the previous end of day’s settled Total Asset Value held in your Account in custody with Phillip Securities Pte Ltd (PSPL).

How do corporate actions affect the brokerage rates and Dividend Handling Fee for my Account?

In the event of a corporate action, only the value of remaining shares and cash in your Account will be included in the Total Asset Value for determining your brokerage rate and Dividend Handling Fee (SGX).

Can I buy shares using my CPF or SRS funds?

Yes. The Cash Plus account will need to have sufficient Available Cash before you may place a buy trade. Please refer to Section 3(A) of the Cash Plus Account Information Sheet for more details.

Do note that shares settled with your CPF or SRS monies will not be included in the computation of your Total Asset Value.

All amendments and revoked CPF/SRS trades will be subject to the Singapore rate of 0.28%, min SGD25.

Which Accounts are eligible to convert to Cash Plus Account?

All custody accounts, namely Prepaid (CC) Account, Custodian (C) Account, Margin (M) Account are eligible for conversion. There is a limit to the number of times you can do the account conversion.

Please understand the Account features before emailing the conversion form to your trading representative. Alternatively, you can email it to talktophillip@phillip.com.sg

What is the minimum age to open a Cash Plus Account?

Anyone who is 18 years old and above can open the Account.
However, margin facility will be made available upon request for customers above 21 years old.

Can trades made using Cash Plus Account be settled with an external custodian?

Cash Plus Account is a custody type account. Barring CPF/SRS trades, all trades will need to be settled in the Cash Plus Account. Pursuant to settlement, if you wish, you may request to transfer out your shares to an external custodian, where applicable transfer out fees as stated will apply.

What is a Cash Plus Account?

Cash Plus Account is an investment Account that allows you to trade stocks and ETFs in global markets at low commission rates and invest in unit trusts without sales charges.

How do I deposit funds into my Cash Plus Account?

You may use PayNow, GooglePay, and more to deposit funds into your Cash Plus Account. This can be done:

• manually via https://www.poems.com.sg/payment/
• via POEMS Mobile 3 App: Me > Deposit Funds > PayNow/eNets > Select your Cash Plus Account > Transfer!

What returns are offered on the Cash Plus Account balance?

If you have opted-in to SMART Park (MMF), you can grow your idle cash based on its return. SMART Park requires a minimum funding of $100 per market, in the respective currency (SGD, USD or HKD). You can withdraw anytime and use for payment for stocks, ETFs,and unit trusts seamlessly.

For more information on MMF and its rates, please refer to this website: Excess Funds Management – POEMS

SMART Park is an Excess Funds Management Facility that invests and manages your idle cash automatically, on a discretionary basis.

Make your money work HARDER and SMARTER at:

Return (7 Day) Annualised*

SGD3.379% p.a.USD3.379% p.a.HKD3.0197% p.a.

Rates updated as of 5 September 2022
*Based on the average rate of annualised returns over the last rolling week.
Past performance is not necessarily indicative of future performance. View disclaimer

View Fund Info (SGD)

View Fund Info (USD)

Are there any minimum balance requirements for the Cash Plus Account?

There is no minimum balance requirement for your Cash Plus Account. However, SMART Park requires a minimum funding of $100 per market, in the respective currency.

Who can I contact if I have questions about my Cash Plus Account?

Please call your servicing TR/Dealer directly, or contact customer service at 6531 1555 or talktophillip@phillip.com.sg if you have any issues regarding your Cash Plus Account.

What are the commission rates associated with each market for my Cash Plus Account?

Commission rate is determined based on the previous day end’s Total Asset Value in the Account. For more information on a specific market’s commission rates, click here.

Should I open a Cash Plus Account or Cash Management Account?

It depends on what you prioritise.

• Commission Rates: Cash Plus Accounts are levied a significantly lower commission rate compared to Cash Management Accounts.

  Click here for more information on commission rates.

• CPF/SRS without prefund: Your Cash Management Account allows you to trade based on your trading limit accorded – no pre-funding is required. Your Cash Management Account is linked to your CDP account for the settlement of securities trades done on the Singapore Exchange (SGX).

  With a Cash Plus Account, you can trade CPF and SRS funds at an attractive commission rate from 0.06% with no minimum. Take note, it is essential to ensure that there is sufficient available cash in your Cash Plus Account to place buy trades – notwithstanding if the trades are eventually settled using CPF or SRS.

For a more comprehensive overview, refer to this guide here.

What happens if I close my Cash Plus Account?

Remember to withdraw your balance before closing your Account.

Please contact your Trading Representative (TR) or dealing team for further assistance.

How do I transfer securities between my trading Account and Cash Plus Account?

For transferring of securities held in your CDP account to your Cash Plus or other trading Accounts, you may opt for the CDP Mass Transfer. Fees will be waived up till 20 Sep 2027.

Click here for more information on our CDP Mass Transfer promotion, and here for the instructions on the transfer process.

Click here to submit an internal transfer.

What happens if I don't use my Cash Plus Account for a long time?

• If you have previously traded in SGX securities but have since become inactive, please note that the S$15 account maintenance fee will be levied if there is no trading activity for the preceding quarter, subject to GST.
• For Privilege Tier Cash Plus clients and clients that transferred in their CDP holdings using the CDP Mass Transfer, the account maintenance fee is waived regardless of trading activity done during the quarter.

Can I use my Cash Plus Account for margin trading?

• Yes, the margin facility will be automatically available to you when you sign up for a Cash Plus Account.
• Cash Plus Accounts come with a default credit limit of S$50,000. Should you require a review of your credit limit, please contact your Trading Representative (TR) or the Dealing Team.
• For more information regarding the margin factor, refer to our infosheet.

I have shares in my CDP. Can I sell them using my Cash Plus Account?

• No, you will need to transfer in your CDP holdings to your Cash Plus Account before selling. Refer to https://www.poems.com.sg/share-bond-unit-trust-transfer/ for the CDP transfer form and associated fees.
• We are currently running an exclusive promotion for the transfer of assets in your CDP account to your Cash Plus or trading account. For more information, please visit here.

How to know if I am being charged 0.06% (no minimum) for trades done in SGX listed shares?

It will be shown on the contract notes:

• e-statement > daily statement > select contract date in POEMS 2.0.
• Me > eStatement > select contract date in POEMS Mobile 3.

Amalgamation only applies to SGX, and does not apply to other markets. Amalgamated trades (BUY or SELL Trades of the same counter listed on SGX and HKEx respectively, that are placed on the same trading day on POEMS Trading Platforms using the same payment mode (cash, SRS, or CPF) with the same Account) are considered as one trade. This is due to the fact that we only charge one commission for such trade orders. Please refer to https://www.poems.com.sg/faq/trading/general/what-is-amalgamate/ for more information and available markets.

Are there any exchange fees from trading in SGX shares?

Exchange Fee and Other Charges
Clearing fee1	0.0325%
SGX Access Fee2	0.0075%
SGX Settlement Instruction (SI) Fee3	SGD0.35

and GST, which are mandatory across all brokerages regardless of brokers. What can I buy using CPF/SRS monies in the SG Market?

For relevant Unit Trusts, please refer to the link below:
CPF: https://www.poems.com.sg/fund-finder/?search_key=CPF
SRS: https://www.poems.com.sg/fund-finder/?search_key=SRS

For the list of Singapore Exchange-listed stocks you can invest in using CPF, please refer to the link below:
https://www.sgx.com/securities/stocks-under-cpf-investment-scheme

For the list of Singapore Exchange-listed stocks you can invest in using SRS, please attain the SRS-approved list from the respective agent banks.

While using the available Cash to place an order to buy using CPF/SRS funds, how many days afterwards can we use the same funds for the next purchase?

You may use the same funds after settlement with your agent bank.

Where do dividends from stocks go?

Your SGX and other global-exchange listed securities will be held in custody, and the dividends will be credited to your Cash Plus Account.

Does POEMS charge platform fees or settlement fees for zero-commission US stocks?

No. There are no platform fees or settlement fees. Trading US stocks on a POEMS Cash Plus Account is commission‑free for online trades across pre‑market, regular, and post‑market sessions. Exchange‑imposed fees may still apply. Please refer to:https://www.poems.com.sg/markets/united-states-nyse-nyse-mkt-nasdaq/?product=stocks#fee

Terms and Conditions:

1. Waiver condition is at least 1 trade per quarter for the Account. Otherwise, S$15.00 (subject to GST) per quarter is chargeable based on March, June, September and December month-end Account balance.
2. Waived for US and HK Foreign Custody fee until 31 December 2027. Please refer to Cash Plus Account Infosheet for charges thereafter.
3. Cash Dividend: 1% on net dividend, minimum of S$1.00 and capped at S$50.00 (subject to GST) + Foreign fees and taxes (if applicable).
4. For more information, please refer to Cash Plus Account Infosheet. Alternatively, you may wish to opt-in for the Excess Funds Management facility to enjoy potentially greater returns on any surplus funds (credit balance) parked in your account.
5. Interest on debit balance is applicable when you utilise the Margin facility. For more information, please refer to Cash Plus Account Infosheet.
6. Only non-professionals are eligible for the complimentary live price subscription. For details, please visit https://www.poems.com.sg/complimentary-live-price-quotes/
7. Reduced rates are only applicable to ONLINE trades. For offline rates, please click here.
8. US 0 Commission starts from 13 May 2026.
9. US markets : pre-, regular, and post-market only (US. Asian Hours excluded)
10. US listed shares trading below US$1 per share are for offline trading and not eligible for US 0 Commission. Offline rates apply.

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Your trusted partner in finance

5,000+

Employees

1M+

Clients worldwide

USD 2.5B+

Shareholder funds

USD 65B+

Assets Under Management

Get up to S$100 Cash Credit
when investing in SGX ETFs
with Share Builders Plan

Simple monthly investing, automated by eGIRO

OPEN AN ACCOUNT NOW

Get up to S$100 Cash Credit
when investing in SGX ETFs
with Share Builders Plan

Simple monthly investing,
automated by eGIRO

OPEN AN ACCOUNT NOW

Campaign Period: 15 May 2026 to 30 September 2026

Campaign Period:
8 May 2026 to
30 September 2026

1

Sign up for SBP
and set up eGIRO

2

Invest S$200/month
across 2 eligible ETFs for 3 months

3

Earn up to S$100 Cash Credit, limited to the first 100 Customers

Open to New SBP Customers only

SIGN UP WITH SBP

1

2

3

Sign up for SBP
and set up eGIRO

Invest S$200/month
across 2 eligible ETFs
for 3 months

Earn up to S$100 Cash Credit, limited to the first 100 Customers

Open to New SBP Customers only

SIGN UP WITH SBP

Cash Credit Details

Monthly Investment Amount	Total for 3 months	Investment Period	Cash Credit	Eligible Counters
S$200	S$600	3 consecutive months	S$20	Selected SGX-listed ETFs Counters (Please refer to the counter list below)
S$400	S$1200		S$40
S$600	S$1800		S$60
S$800	S$2400		S$80
S$1000	S$3000		S$100

The promotion is limited to the first 100 New SBP Accounts. Eligible Customers who invest a minimum of S$200 per month across at least 2 selected ETF counters for three consecutive months via eGIRO will receive S$20 Cash Credit, credited to their Share Builders Plan (SBP) Ledger, subject to a maximum Cash Credit cap of S$100. 

Eligible Counters

S/N	Counter Name	Counter Name on Website
1	Phillip SING Income ETF	PHI SING INCOME
2	Amova Straits Times Index ETF	Amova STI ETF
3	Lion-CM CSI Dividend Index ETF	Lion-CM CSI Div S$
4	Lion-OCBC Securities APAC Financials Dividend Plus ETF	Lion-OSPL APAC FinS$
5	Lion-OSPL Low Carbon S$	LION-OSPL LOW CARBON S$
6	UOBAM Ping An FTSE ASEAN Dividend Index ETF	UOBAM PA FT SEAN DV S$
7	SPDR Straits Times Index ETF	STI ETF

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

EXPLORE SBP FOR ETFS HERE!

Sign up for the Share Builders Plan (SBP)

If you have yet to open a POEMS Account, open one here. 
If you are an existing POEMS Account holder, simply follow these instructions: 

via POEMS Mobile 3 App

Tap on the “Me” tab > eGIRO > Select SBP (Account no.) > Choose Bank > Apply

via POEMS Website

Subscribe via here

Set Up eGIRO for Recurring Investments

via POEMS Mobile 3 App

Tap on the “Me” tab > eGIRO > Select SBP (Account no.) > Choose Bank > Apply

via POEMS Website

Go to Acc Mgmt > Online Forms > Account Application > GIRO > Select SBP (Account no.) > Choose Bank > Apply

Understanding SBP & Its Investment Benefits

Share Builders Plan (“SBP”) is a regular fixed dollar amount investment plan, which enables you to buy shares on a consistent and incremental basis so as to build up a portfolio of securities for yourself eventually. 

No Lock In Period

Dividend Reinvestment

Dollar Cost Averaging

Hassle-free Payment via Interbank GIRO

Scenario 1: Customers who invests S$100 into each of two selected ETFs monthly for three consecutive months is eligible for
S$20 Cash Credit.

Month	Investment counter	Monthly Investment Amount	Investment Period	Cashback
May 2026	PHI SING INCOME	S$100	Two consecutive months	S$20
	Amova STI ETF	S$100
June 2026	PHI SING INCOME	S$100
	Amova STI ETF	S$100
July 2026	PHI SING INCOME	S$100
	Amova STI ETF	S$100

Scenario 2: Customers who invests S$200 per month into a single ETF counter for three consecutive months does not qualify for the Cash Credit. Customers must invest in at least two selected ETF counters per month to be eligible.

Month	Investment counter	Monthly Investment Amount	Investment Period	Cashback
May 2026	PHI SING INCOME	S$200	Three consecutive months	S$0
June 2026	PHI SING INCOME	S$200
July 2026	PHI SING INCOME	S$200

Scenario 3: Customers who invests more than the minimum requirement (e.g. S$1,200 per month across 2 selected ETF counters) for three consecutive months, will receive Cash Credit capped at a maximum of S$100 per SBP Account.

Month	Investment counter	Monthly Investment Amount	Investment Period	Cashback
May 2026	PHI SING INCOME	S$600	Three consecutive months	S$100
	Amova STI ETF	S$600
June 2026	PHI SING INCOME	S$600
	Amova STI ETF	S$600
July 2026	PHI SING INCOME	S$600
	Amova STI ETF	S$600

*These examples should not be considered as financial advice. 

*Please refer to Scenarios 1, 2, and 3 for indicative Cash Credit amounts, including eligible and non-eligible cases

Terms and Conditions

VIEW T&Cs

FAQ

VIEW FAQs

Trade Index CFDs with Zero Commission

Zero Commission

Tight and Competitive Spreads

Trade Rising and Falling Markets

Open account

Why Trade World Index CFDs?

Diversify your portfolio with world index CFDs and access global markets with ease

Up to 20X Leverage
Trade index CFDs with up to 20X leverage for greater market exposure with less capital outlay.

*Note that leverage amplifies both gains and losses — you could lose more than your initial investment

Global Market Access
Trade indices from Singapore, Hong Kong, US, Europe, Japan, and more markets worldwide Long & Short Positions
Capture opportunities in both bull and bear markets. Advanced Order Types
Use Stop Limit and One-Cancel-the-Other (OCO) orders for effective risk management.

Zero Commission & Competitive Spreads
Trade all index CFDs with zero commission and enjoy competitive spreads.

*Financing charges are applicable to positions held overnight.

Zero Commission 
All index CFD trades on the POEMS suite are now commission-free

Tighter Spreads During Trading Hours
Reduced target spreads during the underlying market's trading session

$0

Commission

Up to

20x

Leverage

16

World Indices Available

Close to

24/5

Trading Hours

0%

Commission on POEMS CFD

Up to

20x

Maximum Leverage

20+

World Indices Available

Close to

24/5

World Indices Available

Open account

Available Index CFDs

Trade major global indices across multiple regions with competitive spreads

Asia Pacific United States Europe Asia Pacific

Index	New Spread (Market Hours)	New Spread (Extended Hours)
Singapore Index SGD1 CFD	0.25	0.25
Singapore Index SGD20 CFD	0.25	0.25
Hong Kong Index HKD1 CFD	8	3.8
Hong Kong Index HKD5 CFD	8	3.8
Hong Kong Tech Index HKD1 CFD	8	5.5
China A50 Index USD1 CFD	10	8
Japan 225 Index JPY100 CFD	10	8
Tokyo Index JPY1000 CFD	1	0.8

United States

Index	New Spread (Market Hours)	New Spread (Extended Hours)
Wall Street Index USD1 CFD	4	2.5
US SP 500 Index USD1 CFD	0.5	0.38
US SP 500 Index USD5 CFD	0.5	0.38
US Tech 100 Index USD1 CFD	1	0.9
US Tech 100 Index USD5 CFD	1	0.9

Note: T Session refers to spreads during the underlying market’s trading hours. T+1 Session refers to spreads outside trading hours. Spreads are subject to variation, especially in volatile market conditions.

Europe

Index	New Spread (Market Hours)	New Spread (Extended Hours)
UK 100 Index GBP1 CFD	2	1
Euro Stocks 50 Index EUR1 CFD	1.5	1.5
France 40 Index EUR1 CFD	1.1	1.1
Germany 40 Index EUR1 CFD	1.1	1.1

Note: T Session refers to spreads during the underlying market’s trading hours. T+1 Session refers to spreads outside trading hours. Spreads are subject to variation, especially in volatile market conditions.

view MORE MARKET OPPORTUNITIES View all articles

Understanding Index CFDs

Index CFD is a form of Contract For Differences that allows traders to gain price exposure to stock market indices without 
owning the underlying constituent shares.

Global Market Access

Access major stock market indices across the US, Europe and Asia through a single trading account - allowing you to participate in global market opportunities across different time zones.

Trade Both Rising and Falling Markets

Index CFDs allows you to capitalize on both bullish and bearish market conditions, as well as hedging your investment portfolio against market downturns.

Broad Market Exposure in a Single Trade

Index CFDs provide instant diversification by providing exposure to a basket of companies instead of a single stock, reducing company-specific risk.

How to Get Started?

Start trading world index CFDs in four simple steps

Open an Account
Sign up for a Phillip CFD trading account in minutes with our streamlined onboarding process Fund Your Account
Deposit funds into your trading account using multiple convenient payment methods Choose Your Index
Select from 16 world indices across Asia, US, and Europe markets Start Trading
Execute trades with $0 commission, tight spreads, and up to 20x leverage

Trade on Multiple Platforms

Access World Index CFDs across all POEMS trading platforms, with advanced order types and tools

POEMS Web 2.0

Advanced web-based trading platform with comprehensive tools and real-time data

POEMS Mobile 3.0

Trade on the go with our Mobile App, available for iOS and Android devices

POEMS Pro & MT5

Professional trading platforms with advanced charting and technical analysis

Ready to Start Trading Index CFDs?

Take advantage of $0 commission and tight spreads on major global indices. Open your account today and start diversifying your portfolio.

Login to POEMS 2.0 OPEN AN ACCOUNT

Importance Notice

CFDs may not be suitable for customer whose risk tolerance is low. Customers are advised to understand the nature and risks involved in margin trading. Any CFD offered is not approved or endorsed by the issuer or originator of the underlying security the issuer or originator is not privy to the CFD contract. Phillip Securities Pte Ltd reserves the right to amend the published information without prior notice. You are advised to read carefully and understand the Risk Disclosure Statement and CFD Risk Fact Sheet before undertaking transactions in CFDs. As CFD is a Specified Investment Product (SIP), retail customers are subject to the relevant assessment for trading/investing in SIPs. This advertisement has not been reviewed by the Monetary Authority of Singapore.

Copyright © 2026. Brought to you by Phillip Securities Pte Ltd (A member of PhillipCapital) Co. Reg. No. 197501035Z. All Rights Reserved.

OPEN ACCOUNT OPEN ACCOUNT

Campaign Period: 18 May 2026 to 31 July 2026

Get Started in 3 Simple Steps

Step 1

Sign in via the POEMS Mobile 3 App, or Open an Account if you’re new.

Step 2

Redeem your Macquarie Warrants Coupon via the POEMS Mobile 3 App Rewards section to receive S$30 in Cash Credit.*

*T&Cs Apply.

Scan the QR code to redeem your S$30 Macquarie Warrants Coupon.

Redeem Now

Step 3

Trade a cumulative value of S$150,000 by 30 July to qualify for S$150 Cash Credit.*

*T&Cs Apply Trade Now

Why Trade Structured Warrants?

Leverage Exposure

Structured Warrants provide 5x to 20x leverage on the daily performance of the underlying index. A 1% move in the underlying may result in approximately 5% to 20% movement in the warrant, depending on gearing.

Limited Downside

Structured Warrants limit downside risk to the initial investment, as there are no margin calls. This allows investors to benefit from leveraged upside while keeping potential losses capped.

Low Capital Outlay

Structured warrants are typically priced at around S$0.10–S$0.20, compared to shares which may require higher capital investment. This allows investors to gain exposure to blue-chip shares at a fraction of the share price.

Diversification

Structured warrants provide exposure to a range of sectors, industries, or regions without direct ownership of the underlying securities.

Trade with No Minimum Commission Fee

Trade Structured Warrants, keep costs low, and capture every market opportunity.

Example: A customer invests S$300 in a Structured Warrant priced at S$0.10 per share.

	Cash Management Account		Cash Plus Account
	Before 02/03/2026*	Now
SGX-listed Structured Warrants traded price	S$0.10	S$0.10	S$0.10
Quantity Purchased	3,000 units	3,000 units	3,000 units
Gross Amount	S$300	S$300	S$300
Commission	S$25 (Fees calculated at 0.28% or minimum S$25, for Cash Management Account with contract value below S$50,000)	S$0.84 (0.28% x S$300) (Fees calculated at 0.28%, for Cash Management Account with contract value below S$50,000)	S$0.24 (0.08% x $300) (Fees calculated at 0.08%, for Cash Plus Account: Starter tier)
Commission Saved		S$24.16

*Online commission shown does not include any promotional discounts.

Note: The above examples do not include Exchange Fee and GST.

For pricing of other account types, please refer here.

Frequently Asked Questions

Am I required to register first before I participate in this promotion?

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

How do I identify if the Warrant listed is issued by Macquarie?

You can identify the Issuer by the name of the Warrant. Let’s use the Alibaba Call Warrant for example: Alibaba MB eCW260804 (V8ZW)

Counter Code: V8ZW

Underlying asset: Alibaba

Issuer (MB = Macquarie Bank)

Expiry Date (YYMMDD): 260804 – 2026 Aug 04

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 to redeem the S$30 Macquarie Warrants Coupon on POEMS Mobile 3 App?

To redeem the S$30 Macquarie Warrants 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$30 Macquarie Warrants 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 have executed an eligible trade, the S$30 Cash Credit will be credited to your Account within one (1) month after the campaign end date of 31 July 2026.

Terms & Conditions

T&Cs for S$150 Cash Credit

1. This promotion is valid from 18 May 2026 to 31 July 2026, and is open to new and existing Customers of Phillip Securities Pte Ltd (“PSPL”).
2. Promotion Details:

• Trade Macquarie Warrants with a total buy value of minimum S$150,000 to receive S$150 in Cash Credit.
  • Eligibility:
    • BUY trades only
    • SGX listed Macquarie Warrants
    • Cash trades only
    • Online trades only
    • Accounts used for trading of Macquarie Warrants must be either Cash Plus, Margin (M), Custodian (C), Prepaid Custodian (CC), Cash Management (KC) and/or Share Financing (V) Accounts.
    • BUY Trades of the same counter listed in SGX, that are placed on the same trading day on POEMS Trading Platforms using the same payment mode (cash or SRS) with the same Account, are considered as one trade. This is because we only charge one commission for such trade orders. Please refer HERE for more information.
  • Crediting of Rewards:
    • The S$150 Cash Credit will be credited to the eligible Account within the month of August 2026 after the completion of Successful Trades.
    • “Successful Trades” refer to BUY trades of SGX-listed Macquarie Warrants that are successfully executed and settled within the Promotion Period. Trades that are cancelled, rejected, or not successfully settled will not be eligible.
    • Each customer is eligible to receive the S$150 Cash Credit once only during the Promotion Period.
    • The Cash Credit is to be provided to the first 50 eligible clients of PSPL who invest during the promotion period.
    • PSPL reserves the right to verify eligibility and trading activity before crediting the cash reward.
    • Phillip Securities Pte Ltd (PSPL)’s determination of eligibility for the S$150 Cash Credit shall be final and binding.

3. This Promotion is not applicable to

1. • Cash Account(s)
   • Joint Account(s)
   • PSPL institutional Customers and corporate Customers

4. 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.
5. 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.
6. By participating in this promotion, you acknowledge that you have read and consented to these Terms and Conditions.
7. This advertisement has not been reviewed by the Monetary Authority of Singapore.

T&Cs for S$30 Macquarie Warrants Coupon

1. This promotion is valid from 18 May 2026 to 31 July 2026, and is open to new and existing Customers of Phillip Securities Pte Ltd (“PSPL”).
2. Eligibility Criteria:
   • BUY trades only
   • SGX listed Macquarie Warrants only
   • Cash trades only
   • Online trades only
3. This Coupon, exchangeable with one POEMS Coin, can be redeemed for a $30 Cash Credit upon completion of a successful eligible trade.
4. The availability of this Coupon listed on the POEMS Mobile 3 Reward Shop will be on a first come first serve basis.
5. Each Customer is only eligible to exchange one S$30 Macquarie Warrants Coupon using one POEMS coin during the Promotion period.
6. The one POEMS Coin used to exchange for this Coupon will not be refunded once the Coupon is exchanged.
7. This Coupon is valid for one-time use only and is non-refundable, non-transferable, and cannot be exchanged for cash.
8. This coupon will expire on 31 July 2026, 6 P.M. (GMT+8). You are required to redeem the Coupon and execute the eligible trade within the Coupon eligibility period.
9. Once activated, the Coupon cannot be deactivated or reissued.
10. This Coupon will be automatically applied to the first successful eligible trade executed, after the Coupon activation and before its expiry.
11. The S$30 rebate, up to the contract value, will be credited to the eligible Account within the month of August 2026 after the completion of a Successful Trade.
12. 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.
13. If the Customer holds multiple trading Accounts, the Account that performs the first successful eligible trade will receive the S$30 rebate, regardless of which Account the Coupon was activated in. For example: Customer has Account A and Account B. Customer redeems 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$30 rebate.
14. This Promotion is not applicable to

1. • Cash Account(s)
   • Joint Account(s)
   • PSPL institutional Customers and corporate Customers

15. 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.
16. 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.
17. By redeeming this Coupon, you acknowledge that you have read and consented to these Terms and Conditions.

How to check if you have Singtel SDS

You can check via sds.singtel.com.

If you do not own Singtel SDS, the website will state that you are not an SDS holder.

What are my options?

OPTION 1: KEEP YOUR SINGTEL SDS

Step 1:

Where your Singtel SDS will be automatically transferred to:

Your individual CDP account if you have one
(CDP Account holder)

OR

A designated CDP account that will be opened for you
(Non-CDP Account Holder)

Your individual CDP account if you have one
(CDP Account Holder)

Successfully Transferred to your CDP account

Step 2:

You can view your Singtel SDS in your CDP account via SGX Investor Portal after 21 Nov 2026.

Step 3:

You can link your CDP account with POEMS, to
view and sell at your own discretion

OR

A designated CDP account that will be opened for you
(Non-CDP Account Holder)

Successfully Transferred to
a designated CDP account

Step 2:

You can view your Singtel SDS holdings here after
21 Nov 2026

Step 3:

You can visit SingPost, selected Phillip Investor Centres or use the SDS portal to sell your shares.

Successfully Transferred to
your CDP account

Step 2:

You can view your Singtel SDS in your CDP account via SGX Investor Portal after 21 Nov 2026.

Step 3:

You can link your CDP account with POEMS, to
view and sell at your own discretion

Successfully Transferred to
a designated CDP account

Step 2:

You can view your Singtel SDS holdings here after
21 Nov 2026

Step 3:

You can visit SingPost, selected Phillip Investor Centres or use the SDS portal to sell your shares.

Step 2:

You can view your Singtel SDS in your CDP account via
Online CDP account after 21 November 2026

Step 3:

You can link your CDP account with POEMS to view and sell
at your own discretion.

OPTION 2: SELL YOUR SINGTEL SDS

Before 21 Nov 2026

In Person

Visit SingPost or selected Phillip Investor Centres for assistance.

Online

Click Here to sell.

You may choose to receive your sales proceeds into either:
(i) your registered bank account with CPF Board or
(ii) your CPF-OA

If you wish to withdraw your proceeds from your CPF-OA, please submit a request via cpf.gov.sg/sdsproceeds after the sale proceeds have been credited to your CPF-OA.

Important note:

• You can only sell your Singtel SDS in full, partial selling is not allowed
• The sale of Singtel SDS will be executed at the prevailing market price at the point of trade by PSPL
• You will receive the sales proceeds within 14 business days
• A commission of  0.24% of the gross sales proceeds + GST will be applied
• SDS holders will not be able to sell Singtel SDS from 19 to 20 Nov 2026. These two days have been set aside to facilitate the planned transfer on 21 Nov 2026

After 21 Nov 2026

If you have
a CDP account

You can sell your Singtel SDS through a brokerage account linked to your CDP, such as POEMS by Phillip Securities. You may open a Cash Management Account here to facilitate trading. 

To withdraw the sales proceeds in cash from Ordinary Account, please refer here for instructions.

If you do not have
a CDP account

A designated CDP account will be created. You may visit SingPost or selected Phillip Investor Centres for assistance.

Frequently Asked Questions

General

Who owns Singtel SDS shares?

Singtel SDS holders would have received notification letters within 2 weeks from 8 April 2026. Alternatively, you may log in to the Singtel SDS website to check your ownership status.

Is transfer to a joint CDP account allowed?

No, transfer to joint CDP account is not allowed.

Is Singtel SDS the same as a Singtel CPF-OA investment?

No, Singtel SDS is different from a Singtel CPF-OA investment.

If I have Singtel shares, what will happen when my Singtel SDS is transferred to my CDP account?

If you choose to transfer your Singtel SDS to your CDP account, the shares will be consolidated with your existing Singtel Shares, after 21 Nov 2026. 

Online Option

If I do not have SingPass, what options are available?

You will not be able to use the online option.  Please visit SingPost or one of the selected Phillip Investor Centre with the required supporting documents. 

In-person Option

What documents do I need to bring Phillip Investor Centres?

Please bring the following:
1. NRIC and
2. One of the following:

a. Printed copy of CPF Statement showing:

• • Full name as shown in NRIC

  • Number of Singtel SDS shares

  • Statement date (within the last 3 months) or

b. Hardcopy notification letter issued by Singtel and the CPF Board received in Apr 2026

Selling Option

How will I be informed once my Singtel SDS is sold?

Once the sale is completed, Phillip Securities will send you a contract note by mail detailing the selling price, fees, charges and net proceeds. The CPF Board will also notify you by email, SMS or letter within 14 working days once the sale proceeds have been credited. 

Where will my Singtel SDS sales proceeds be credited?

• Before 21 Nov 2026, proceeds will be credited to your CPF-OA or registered bank account with the CPF Board. 

• After 21 Nov 2026, proceeds will be credited to either your:
  • Bank account linked to CDP/trading account, or 
  • CPF-OA or registered bank account with the CPF Board (not subject to CPF withdrawal conditions) 

Why can’t I indicate my preferred selling price, date, or quantity when selling Singtel SDS?

• Before 21 Nov 2026, sales of Singtel SDS are processed through a batched and streamlined workflow between SingPost and Phillip Securities. 
  As a result, customers are unable to specify a preferred selling price, date, or quantity during this period. 

• After 21 Nov 2026, if you wish to set your own selling price, date, and quantity, you may consider: 

• • Transferring your Singtel SDS to your individual CDP account, and 
  • Linking it to a Cash Management Account via POEMS, where Singtel SDS can be traded like a regular SGX-listed stock. 

•  

Can I change my instruction after submitting a request to sell my Singtel SDS?

No, once submitted via Phillip Securities’ website, or SingPost branches, the selling instruction is irrevocable and cannot be changed. 

What commissions and fees are charged?

1) When you are selling online by yourself or through selected Phillip Investor Centres, these charges apply:

Fees and charges

Type	Details
Commission	0.24% of the gross sales proceeds

Fees charged by SGX

Type	Details
Clearing fee	0.0325% of the gross sales proceeds
Trading fee	0.0075% of the gross sales proceeds
Settlement fee	SGD 0.35 per trade

2) When selling from CDP via a brokerage account such as  POEMS, respective brokerage charges will apply.

Others

How will bankrupt clients be affected?

Regardless of whether they own an individual CDP account, their Singtel SDS will be transferred to the designated CDP account.

What should I do if the beneficiary is deceased, a Next-of-Kin or an Ex-Singapore Citizen?

Please visit SingPost for 3rd party authorisation.  

What happens if my individual CDP account is suspended?

• If your individual CDP account is suspended as at 21 Nov 2026, your Singtel SDS will be transferred on 28 Nov 2026, unless instructed otherwise by the CPF Board (for example, in the case of bankrupt SDS holders). 

• Your individual CDP account will remain suspended after the transfer.  

Phillip Investor Centres

Important note:

• Marine Parade branch will be closed from May to Oct 2026
• Ang Mo Kio will be closed on Aug 2026

Raffles City Tower

250 North Bridge Road,
#06-00, Raffles City Tower
Singapore 179101

Tel: 6812 1551(Wealth Advisory)
Tel: 6533 6001 (Reception) Email: rc@phillip.com.sg

Opening Hours
Mon - Fri: 9.00am to 6.00pm

See Virtual Tour

Get Directions

Visit Branch

Ang Mo Kio

Blk 710A, Ang Mo Kio Ave 8
#01-2631 Singapore 561710
(Opposite Ang Mo Kio MRT Station)

Tel: 6812 1522
Email: amk@phillip.com.sg

Opening Hours
Mon - Fri: 9.00am to 6.00pm
Sat: 9.00am to 1.00pm

Closed on Aug 2026 for renovation

See Virtual Tour

Get Directions

Visit Branch

Boon Keng

Blk 102 #01-264
Towner Road
Singapore 322102

Tel: 6812 1599
Email: boonkeng@phillip.com.sg

Opening Hours
Mon - Fri: 9.00am to 6.00pm
Sat: 9.00am to 1.00pm

See Virtual Tour

Get Directions

Visit Branch

Bukit Batok

Blk 636, #01-10
Bukit Batok Central
Singapore 650636

Tel: 6812 1533
Email: bkbatok@phillip.com.sg

Opening Hours
Mon - Fri: 9.00am to 6.00pm
Sat: 9.00am to 1.00pm

See Virtual Tour

Get Directions

Visit Branch

Holland Drive

Blk 43 #01-47
Holland Drive
Singapore 270043

Tel: 6812 1544
Email: hollanddrive@phillip.com.sg

Opening Hours
Mon - Fri: 9.00am to 6.00pm
Sat: 9.00am to 1.00pm

See Virtual Tour

Get Directions

Visit Branch

Marine Parade

Blk 80, #01-782
Marine Parade Central
Singapore 440080

Tel: 6812 1577
Email: marineparade@phillip.com.sg

Opening Hours
Mon - Fri: 9.00am to 6.00pm
Sat: 9.00am to 1.00pm

Closed from May to Oct 2026 for renovation

See Virtual Tour

Get Directions

Visit Branch

Northpoint City

930 Yishun Ave 2 #02-168
Northpoint City, South Wing
Singapore 768019

Tel: 6812 1588
Email: northpoint@phillip.com.sg

Opening Hours
Mon - Fri: 9.00am to 6.00pm
Sat: 11.00am to 6.00pm
Sun: By appointment only
Closed on Public Holidays

Visit Branch

Raffles Place

1 Raffles Place #03-20
One Raffles Place
Singapore 048616

Tel: 6812 1500
Email: raffles@phillip.com.sg

Opening Hours
Mon - Fri: 9.00am to 6.00pm

See Virtual Tour

Get Directions

Visit Branch

Toa Payoh

Blk 177, #01-132
Toa Payoh Central
Singapore 310177

Tel: 6812 1566
Email: tpy@phillip.com.sg

Opening Hours
Mon - Fri: 9.00am to 6.00pm
Sat: 9.00am to 1.00pm

See Virtual Tour

Get Directions

Visit Branch

Already A Customer? These Are For You

Grateful for 50 Years of Trust and Partnership

FAQ

1. What is the SBP Cash Back promotion?

The SBP Cash Back Promotion allows eligible customers to receive S$10 Cash Back for every S$200 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 maxinmum Cash Back for each POEMS account?

The maximum Cash Back per SBP account is S$50.

3. How much Cash Back with every S$200 investment amount?

You will receive S$10 cashback after successfully completing the two consecutive months of subscription via GIRO and cap on S$50.

4. If I invest in Tencent HK SDR with S$800 per month for 2 consecutive months subscription, will I receive S$40 Cash Back?

Yes

Month	Investment counter	Monthly Investment Amount	Investment Period	Cashback
April 2026	Tencent HK SDR 10to1	S$800	Two consecutive months	S$10
May 2026	BYD HK SDR 10to1	S$800

*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$200 
(e.g., Counter A: S$100, Counter B: S$100) over two consecutive months via GIRO, even if I do not subscribe S$200 for each eligible counter per account?

Yes, you are eligible for the cashback because it is granted with every S$200 invested. Please refer to the example below

Month	Investment counter	Monthly Investment Amout	Investment Period	Cashback
April 2026	Tencent HK SDR 10to1	S$100	Two consecutive months	S$10
	BYD HK SDR 10to1	S$100
May 2026	Tencent HK SDR 10to1	S$100
	BYD HK SDR 10to1	S$100

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

There are 18 eligible counters:

• Bank oThere are 18 eligible counters:f CN HK SDR 1to1
• Alibaba HK SDR 5to1
• BYD HK SDR 10to1
• HSBC HK SDR 5to1
• Tencent HK SDR 10to1
• MEITUAN HK SDR 5to1
• PING AN Insurance HK SDR 2to1 
• XIAOMI HK SDR 2to1
• JD HK SDR 10to1
• PETROCHINA HK SDR 1to2
• SMIC HK SDR 5to1
• CATL HK SDR 30to1
• Pop Mart HK SDR 20to1
• Laopu Gold HK SDR 50to1 
• Trip.com HK SDR 50to1
• Baidu HK SDR 10to1
• China Mobile HK SDR 5to1
• Zijin Gold HK SDR 10to1 

7. How do I get the maximum Cash Back of S$50? 

To receive the maximum cashback, you must subscribe to any eligible counter with an investment of S$1,000 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 Tencent HK SDR 10to1 with S$200 in the beginning and change to BYD HK SDR 10to1 subsequently? 
A: No, your investment will not qualify for the promotion. 

Month	Investment counter	Monthly Investment Amout	Investment Period	Cashback
April 2026	Tencent HK SDR 10to1	S$1200	Two consecutive months	S$50
May 2026	Tencent HK SDR 10to1	S$1200

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$200 in the first month, then S$400 in the second month, your cashback will still be S$10. (Refer to illustration B below)

Illustration A

Month	Investment counter	Monthly Investment Amout	Investment Period	Cashback
April 2026	Tencent HK SDR 10to1	S$400	Two consecutive months	S$0
May 2026	Tencent HK SDR 10to1	S$200

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	Monthly Investment Amout	Investment Period	Cashback
April 2026	Tencent HK SDR 10to1	S$200	Two consecutive months	S$10
May 2026	Tencent HK SDR 10to1	S$400

 customers can increase their investment amount. The cashback is based on your first month’s investment. For example, if you invest S$200 in the first month, then S$400 in the second month, your cashback will still be S$10. 

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

Month	Investment counter	Monthly Investment Amout
April 2026	Tencent HK SDR 10to1	S$200
May 2026	Tencent HK SDR 10to1	S$200

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 HK SDR to another eligible counter will not be considered as fresh funds, and will not qualify for the Cash Back.