Regular Savings Plan (RSP)

What is Share Builders Plan (SBP)?
Share Builders Plan 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 yourselves eventually. Therefore, you do not need a huge amount of funds to invest at a time.

What is dollar-cost-averaging method of investment?
By investing a fixed amount of funds consistently every month over a period of time, dollar cost averaging benefits you regardless of price fluctuation. You purchase more units when the price is lower and fewer units when the price is higher. This investment method is known as dollar-cost averaging. And it is especially useful in hedging against market volatility. With such a disciplined and consistent method, you will eventually build up a portfolio of stocks in average cost.

You may apply for SBP by completing an SBP Application Form and an Interbank GIRO Application Form. If you do not already have a trading account with Phillip Securities Pte Ltd (PSPL), you will need to open one to facilitate your share liquidation from SBP in future. Alternatively, you can apply for SBP online by following these steps: Login to POEMS > Acct Mgmt > Regular Savings Plan (RSP) > Share Builders Plan > Investment Instructions & Apply.

Firstly, log in to POEMS Mobile 3 App and go to Trade > RSP > Share Builders Plan Tap Begin > Select one or more counters from the list displayed >Tap on Add Counter > Select your preferred counter for dividend reinvestment and enter your desired Buy Amount > Tap on [Continue] to submit

Who is eligible to apply for SBP?
Anyone above the age of 18 years old can apply for SBP. Individuals below the age of 18 years old must open a joint SBP with their parent / legal guardian only.

Does SBP allow joint application?
Yes, join application for SBP is allowed. For a joint application with a child below 18 years old, a copy of the birth certificate must be submitted during the application process.

Can I e-Sign the GIRO Form or submit a softcopy instead?
In adherence to Monetary Authority of Singapore (MAS) regulations, only original GIRO forms with pen signature is accepted. Electronic/printed signatures are NOT allowed and will be rejected immediately.

Interbank GIRO Application Form can be found here. You may submit the GIRO Form to any of our Phillip Investor Centres conveniently located in the heartlands of Singapore or mail it to us at:

Attention: SBP Team
Phillip Securities Pte Ltd
250 North Bridge Road
#06-00 Raffles City Tower
Singapore 179101

What supporting documents should I prepare for application for Junior Share Builders Plan?
If you are opening a joint account with your child below 18 years old, please prepare the documents below:

1. For Singaporean/Singapore PR: Account Holders’ NRIC For foreigner: Employment/S-Pass/Work Permit and Passport
2. Birth Certificate or proof of Singaporean guardianship of the child (additionally, the child’s passport If the child was not born in Singapore)

What is the minimum amount that I have to invest?
The minimum amount of investment is S$100 per counter a month.

Can I choose the shares that I want to invest in?
Yes, you can choose to invest in any of the short-listed Singapore counters here.

What are the counters available?
Click here for full counter list.

How do I indicate the share counters that I want to invest in?
You will have to fill in your investment instructions on the SBP Application Form. On the investment instructions, you have to indicate the share counter(s), the investment amount for each counter and select a preferred counter if you have selected more than one counter in your investment selection.

What is preferred counter?
The preferred counter is the counter from which the handling fees will be deducted. Additionally, any excess funds in the SBP account resulting from the previous month’s left over or corporate actions (such as dividends, cash offers, bonus rights issue, etc.) will be rolled over for the following month’s investment and reinvested into your preferred counter.

How would I know how many shares I have?
Every month, if you have opted for e-statements, a notification will be sent to your email address once the statement is available on POEMS. Please take note that a monthly administrative fee of S$2.00 (subject to GST) will be levied for each physical statement that we send to you, if you do not opt in for e-statement. The statement will state the total shareholdings, current cash ledger balance and investment execution of the month.

Alternatively, you can view your shareholdings via POEMS > Acct Mgmt > Regular Savings Plan (RSP) > Share Builders Plan (SBP) > Portfolio.

Can I submit the GIRO application to the bank for approval first, and then submit the SBP application afterwards?
No, both forms must be submitted simultaneously to set up the SBP account.

Can I submit the SBP application form without submitting the GIRO application at the same time?
No, both forms must be submitted simultaneously to set up the SBP account.

Can I amend the investment instruction?
Yes, you can amend your investment instructions via POEMS or by completing the SBP Investment Amendment Form and submitting a softcopy to us. Amendments can be made to the selection of counters and the investment amount. To apply the amendment for the current month, instructions must be completed and submitted at least 6 business days before the transaction date (18th of every month or the next business day if the 18th falls on a non-market day). Otherwise, the amendment will be effective from the next investment month.

POEMS 2.0 Web

Add on new counter
Step 1: Acct Mgmt > Regular Savings Plan > Share Builders Plan > Investment Instruction > Amend Step 2: Add ‘+’ button > select a new counter > fill up the investment amount > key in password and submit
Note: You can only select one Preferred Counter. If you wish to change to a new counter, please untick the previous one.

Remove current counter/Amend the investment amount or preferred counter
Step 1: Acct Mgmt > Regular Savings Plan > Share Builders Plan > Investment Instruction > Amend Step 2: Fill up the ‘0’ on the Buy Amount (SGD) on the remove counter > Submit
Note: Please untick the removed counter from the Preferred Counter list and ensure that at least one counter remains selected. You must have at least one counter on the investment instruction.

POEMS Mobile 3 App

Add on new counter

Step 1: Trade>RSP>Share Builders Plan > Amend
Step 2: Add Counter > Tick the counter > Add Counter > Fill up the investment amount
Note: You can only select one Preferred Counter. If you wish to change to a new counter, please untick the previous one.

Remove current counter/Amend the investment amount or preferred counter
Step 1: Trade>RSP>Share Builders Plan > Amend
Step 2: Select ‘X’ to remove the counter; To Amend the investment amount, simply change the amount without removing the counter

Can I temporarily suspend the SBP?
Yes, you can suspend your SBP by completing the SBP Suspension Form. However, if your SBP is suspended for more than 3 months without any shareholdings, Phillip Securities Pte Ltd reserves the right in its sole and absolute discretion to terminate your SBP.

How can I re-activate my SBP after it is suspended?
You can re-activate your SBP account via POEMS or by completing the SBP Re-activation form.

POEMS 2.0 Web
POEMS > Acct Mgmt > Regular Savings Plan (RSP) > Reactivate > Key password > Submit


POEMS Mobile 3 App
Trade > RSP > Share Builders Plan > Key password > Reactivate > Submit

What will happen if my SBP is suspended?
When your SBP is suspended, there will be no GIRO collection from your bank account until you reactivate your SBP. During the suspension period, your shareholdings and cash balance remains in your SBP portfolio. All corporate actions for your shareholdings are still eligible. There is no maintenance fee during the suspension period except for the physical statement charge of S$2.00 (subject to GST) per month, if you have not opted for e-statement.

If I want to terminate my account, what will happen to my SBP shareholdings?
Before proceeding to terminate your account, you should request Phillip Securities Pte Ltd to transfer your SBP shareholdings to your Central Depository Account (CDP). Transfer fees apply at S$20.00 (subject to GST) per counter.

1. How do I pay for my investment?
   You can pay for your SBP investment through Interbank GIRO, which facilitates fixed monthly transfer from your bank account. Please ensure that sufficient funds are available in your bank account at least 5 business days before the Transaction Date (the 18th of every month or the next business day if the 18th falls on a non-market day).
2. Who are the participating banks for Interbank eGIRO facility?
   All participating banks in Singapore with Interbank GIRO Facility
3. Which are the participating banks for Interbank GIRO facility?
   The following banks support eGIRO:
   • DBS/POSB
   • UOB
   • OCBC
   • ICBC
   • Standard Charted
   • HSBC
4. How long does it take to link my Interbank GIRO Account to my SBP?
   Paper GIRO Application
   It usually takes three to six weeks to process your GIRO submission, although processing time may vary with each bank.|
   eGIRO Application
   If you submit your GIRO application online via POEMS, it will take effect almost immediately. You will also receive an SMS notification from your bank confirming the status of your bank linkage.
5. How do I apply for GIRO?
   You can apply for GIRO via the POEMS website or the POEMS Mobile 3 App.
   POEMS Website
   Go to www.poems.com.sg > Acc Mgmt > Stocks > Forms > GIRO
   
   Choose account no. xxxxxxx(SBP) > Select Bank Name > Proceed
   
   After proceeding, your internet banking page will pop up. If it is unable to load, check your pop-up blocker settings and allow the pop-ups for internet banking.
   For more information on enabling pop-ups:
   Desktop/Android
   IOS
   Once the application is completed successfully, you will see the pop-up page below.
   

   POEMS Mobile 3 App
   Go to the ‘Me’ Tab > Forms > eGIRO
   
   Apply GIRO > Select Account no. xxxxxxx (SBP) > Apply New eGIRO > Proceed
   
   Once the application is completed successfully, you will see the pop-up page below.
   

6. What happens if I accidentally close the GIRO internet banking pop-up page?
   If you close the pop-up page before completing the process, the bank will reject the GIRO request. You can check the ‘GIRO List’ and reapply after the rejection
7. What happens if I do not have enough funds in my bank account?
   If there are insufficient funds in your bank account, your monthly investment will not be executed and an insufficient fund charge of S$5.00 (subject to GST) will be imposed.
   If you have insufficient funds for three consecutive months, your SBP will be suspended. To reactivate your SBP Account, ensure that your bank account has enough funds to cover the monthly investment deduction.
8. Can I change my Interbank GIRO Account for my SBP?
   Paper GIRO Application
   Yes, you can change your Interbank GIRO account by submitting a new Interbank GIRO Application Form.
   Keep in mind that processing time is required to link your new account, which may cause a temporary lapse in investments. To avoid disruption, ensure there are sufficient funds in your existing bank account during this transition or consider temporarily suspending your SBP account until the new GIRO is linked.

   eGIRO Application
   Yes, you can update your Interbank GIRO account by submitting a new eGIRO application via POEMS. The change will take effect almost immediately and you will receive an SMS notification from your bank.

   Note: We recommend that you submit any changes to your eGIRO at least five business days before the transaction date (the 18th of every month or the next business day if the 18th falls on a non-market day) to avoid failed deductions due to insufficient funds. The penalty fees imposed by PSPL and the bank will not be waived.

9. Can I top-up cash or request a deduction from my POEMS Trading account for my SBP investments?
   No, investment under SBP can only be funded via Interbank GIRO.
10. Can I sign up for the Share Builders Plan (SBP) without submitting a GIRO application?
    No, you must apply for GIRO linkage to continue using the SBP service. Please refer to FAQ 5 for a step-by-step guide on how to apply for GIRO online.
11. Can I submit the GIRO application for bank approval first, and then submit the SBP application afterward?
    No, the SBP application must be submitted before the GIRO application.
12. Can I change my Interbank GIRO Account for my SBP?
    Yes, you can change your Interbank GIRO account by delinking your current GIRO linkage and setting up a new one. Ensure you complete the delinking process before submitting a new GIRO application.

    POEMS website
    Please refer to the screenshot below on how to delink your existing GIRO on POEMS Web.
    
    Apply for GIRO linkage with another bank account:
    

    POEMS Mobile 3 App
    Tab ‘Me’ > eGIRO>GIRO List>Delink
    
    Apply for GIRO linkage to another bank account:
    

13. Can I e-Sign the physical GIRO Form or submit a softcopy instead?
    For Physical GIRO Form submission:
    Banks only accept original GIRO forms with a wet inked signature.
    You may submit your GIRO Form at any of our Phillip Investor Centres, conveniently located in the heartlands of Singapore or mail it to us at:
    Attention: SBP Team
    Phillip Securities Pte Ltd
    250 North Bridge Road
    #06-00 Raffles City Tower
    Singapore 179101

    However, we strongly encourage you to apply with eGIRO, as the processing time is almost immediate.
    

14. Termination Form for GIRO Linkage
    You can delink your GIRO linkage from your account using the following steps. Delinking removes the GIRO linkage but does not suspend or terminate your Share Builders Plan (SBP). Please arrange for alternate payment methods to avoid disruption to your plans.

    POEMS Website:
    
    POEMS Mobile 3 App:
    Me Tab > Forms > eGIRO > GIRO List
    For termination of GIRO linkage, you may contact your bank for assistance.
    

When and how are the purchases executed?
The aggregate monthly investments of all clients for any particular selected SBP counter will be done on the 18th of every month (“Transaction Date”) on a non-discriminatory and non-preferential basis. If the 18th falls on a non-market day, buying of the counter will be carried out on the next available market day.

How are the shares allocated to me?
You will receive the nearest rounded-down whole number of shares that can be purchased with your fixed monthly investment after deducting the handling fee.

How is the SBP handling fee deducted?
Handling fee will be deducted from the SBP investible amount accordingly to the fee schedule in the SBP Infosheet.

Will my monthly/quarterly GIRO be invested fully?
Since we cannot credit shares on a fractional basis, we will only buy shares to the nearest whole number available with your monthly investment minus the handling fees. The uninvested fund will be rolled over and aggregated with next month’s investment amount.

How are the excess funds in my SBP Account being handled?
If there are excess funds left in your SBP, they will be added to your current month’s investment amount for purchasing your preferred counter. The excess funds may arise from but are not limited to uninvested balances brought forward from previous month as well as corporate actions such as dividends, cash offers and bonus rights issue. For example, if you indicate that your investment amount for SIA is S$300 and the uninvested amount last month was S$8.70, then the investment amount for SIA this month will be S$308.70 less handling fee (inclusive of GST).

Can I put the excess funds from the SBP into the Money Market Fund (MMF)?
No, the excess funds from your SBP cannot put into the Money Market Fund (MMF).

How do I sell my shares?
You can sell your shares via POEMS online or through your Trading Representative. However, please verify the correct counter and quantity in your SBP Portfolio before selling. If you execute the trade/sale through POEMS online, it is important to notify your Trading Representative that you are selling from your SBP shareholdings, or you may use the self-tagging feature on the POEMS website.

How can I get the proceeds from selling the shares?
Proceeds from the sale of shares will be credited to your shares trading account that is tagged to your SBP.

How do I use the self-tag function for the sell SBP option after completing the order?
Please note that the self-tagging feature is only available for SBP and not for Junior SBP. The self-tag must be processed on the same day once the sell trade order status shows “DONE.” Tagging must be completed before 5:30 pm on that regular market day.

Kindly follow the step below:
a) Login to POEMS > Order Tabs > Select the Order that you want to park under SBP > Order History Order Tab show status ‘Done’ >Click ‘SBP’

How can I check if SBP liquidation has been successful?
Click ‘Acct Mgmt’ > Regular Savings Plan (RSP) > Share Builders Plan (SBP) > Portfolio to view the details of the orders settled under SBP:

Can I transfer my SBP shareholdings to my own CDP Account?
Yes, you can transfer the shares from your SBP holdings to your CDP account; there is a transfer fee of S$20.00 (subject to GST) per counter per transaction. Share transfer from Junior SBP to CDP of the main account holder is NOT allowed.

What are the charges involved?
*Month Handling Fees (NEW!)

* All fees are subjected to GST
**Dividend charges will be equivalent to dividend amount, if the amount is less than S$1.
***Rights shares will be sold off as “nil-paid” rights in the market. The net proceeds will be allocated after the deduction of S$5 (subject to GST) handling fee.

How will my handling fees be calculated?

Your handling fee will be deducted on a monthly basis. Every month before the transaction date, your Total Portfolio Value (“TPV”) will be calculated.

Here is an illustration of how your fees will be calculated:

For example, if your TPV is S$1,000 and you have indicated $300 as your investment amount for SIA, a handling fee of S$1 (exclusive of GST) will be deducted. The actual investment amount for SIA will be S$299 for that month.

To view your TPV using:

POEMS Website:

Login > Acct Mgmt > Regular Savings Plan (RSP) > Share Builders Plan (SBP) > Portfolio > Total Market Value

POEMS Mobile 3 App:

Login > Trade > RSP > Share Builders Plan > Holdings > Total Market Value

*To note that if your SBP is suspended, you will not be charged handling fees*

How do I withdraw idle cash out from my SBP cash ledger balance?
You will need to email the completed SBP Withdrawal Form to rsp@phillip.com.sg and it will take 1-2 business days to process.

Will I be entitled to the dividend payment?
Yes, you will be entitled to dividends that is declared by the respective company that you hold the shares. The cash dividends will be reinvested to your preferred counter by default. The cash dividends can also be paid out to you on request before being reinvested into your preferred counter. We will not impose additional fees if the cash dividend amount is less than S$1, or the cash dividend amount is less than or equal to the dividend charges.

What about bonus issue and capital distribution?
For bonus issue, it will be allocated to you based on the issue ratio and the number of shares you hold. As for capital distribution, it will be calculated and credited into your ledger balance.

Will I receive entitlements to a rights issue?
Yes, however the rights shares will be sold off as “nil-paid” rights in the market. The net proceeds will be allocated after the deduction of S$5 (subject to GST) handling fee.

Am I able to subscribe for the rights issues allocated to me?
SBP is a low-cost saving product that presents an opportunity for clients to invest in the stock market to buy odd lots securities at a reduced cost. Therefore, to meet our objective to keep the product affordable for everyone, PSPL will arrange for the Rights Shares (the “Rights”) to be sold as “nil-paid” rights on the SGX-ST during the trading period. The net proceeds allocated after the deduction of a minimal handling fee of S$5.00 (subject to GST), if any, will be credited into your SBP to form part of the excess funds and will be reinvested into your preferred counter. If you would like to withdraw any excess funds from your SBP, you may do so by informing your respective trading representative at least 3 business days prior to the monthly “Transaction” date.

Am I able to opt for Scrip Dividends under Scrip Dividends Scheme (SDS)?
PSPL will arrange for SDS to be automatically elected as Cash Dividends. The net proceeds allocated after the deduction of minimal Dividends Charge of 1%, (minimum S$1.00 capped at S$50.00 – subject to GST) if any, will be credited into your SBP to form part of the excess funds and will be reinvested into your preferred counter. If you would like to withdraw any excess funds from your SBP, you may do so by informing your respective Trading Representative at least 3 business days prior to the monthly “transaction” date.

What if the share counter that I am buying is suspended / halted on the execution day?
If the share counter is suspended / halted on the execution day, the funds for investment will be rolled over and invested in the preferred counter the following month.

Does a minor holding US citizenship qualify to apply for the Junior Share Builders Plan?
No, unless there is a certificate of loss of US nationality.

Who can I contact for more detailed information with regards to SBP?
You can contact your respective Financial Adviser/Trading Representative for assistance or Talk to Phillip at 6531 1555 / talktophillip@phillip.com.sg or email to rsp@phillip.com.sg

What are the payment methods for subscribing to a rights issue?

1. Ledger Based Account (E.g. Cash Plus or Cash Management a/c): Please ensure there are sufficient funds in your trading account. The subscription amount will be deducted from the trading account. If there are insufficient funds during the deduction, the remaining amount will be marked as an outstanding transaction.
2. Cash Account: If your cash account has a GIRO linkage, the payment will be deducted from that account. If there is no GIRO linkage, you can use PayNow to make the payment. Do include this reference number” SBP xxxxxxx – right subscription”, where xxxxxx refers to your account number.

All the forms below can be submitted as soft copies to rsp@phillip.com.sg.

What is the Junior Share Builders Plan (JSBP)?
The Junior Share Builders Plan (JSBP) is a fixed-dollar investment plan specifically designed for parents or guardians to help build a portfolio of shares for their children. Similar to the standard Share Builders Plan, JSBP allows you to invest consistent, incremental amounts over time without needing a large sum of money upfront. The primary difference is that the account is set up in the child’s name and parent’s name, helping you create a foundation for their financial future early on.
By enrolling in the JSBP, you can steadily build a portfolio of securities on behalf of your child, teaching them the value of long-term investing and providing a head start in building wealth.

What is the dollar-cost-averaging method of investment?
By investing a fixed amount of funds consistently every month over a period of time, dollar cost averaging benefits you regardless of price fluctuation. When prices are lower, you purchase more units, and when prices are higher, you purchase fewer units. This investment method is known as dollar-cost averaging. And it is especially useful in hedging against market volatility. Thought this disciplined and consistent approach, you will eventually build up a portfolio of stocks with an average cost per unit.

How do I apply for the Junior Share Builders Plan (JSBP)?
You may apply for Junior SBP by completing an SBP Application Form, Account Application Form and an Interbank GIRO Application Form. If parents do not already have a trading account with Phillip Securities Pte Ltd (PSPL), they will need to open one to facilitate your share liquidation from JSBP in future. Alternatively, you can apply for Junior SBP online by following these steps: Login to POEMS > Acct Mgmt > Stocks > Online Forms > Account Application > Share Builders Plan Application > Junior Share Builders Plan > Fill up child’s particular > Investment Instructions & Apply.

What supporting documents should I prepare for the Junior Share Builders Plan Application?
If you are opening a joint account with your child below 18 years old, please prepare the documents below:
Please email the required document as below to rsp@phillip.com.sg :
a. POEMS Account Holders’ NRIC for Singaporean/Singapore PR or Employment/S-Pass/Work Permit and Passport for foreigner
b. Birth Certificate or proof of guardianship of the child
Note: If the child’s birth certificate indicates ‘not born in Singapore’, you may need to submit an additional document, such as the child’s passport.

Can I apply for Junior SBP through POEMS online?
Yes, you can apply for SBP online through POEMS with the following steps: Login to POEMS > Acct Mgmt > Stocks > Online Forms > Account Application > Share Builders Plan Application > Junior Share Builders Plan > Fill up child’s particular > Investment Instructions & Apply.

Can I apply for more than one Junior SBP account through POEMS?
Yes, there is no limit to the number of JSBP accounts that can be applied for using a single POEMS account.

Can I apply for the Junior SBP through the POEMS Mobile App?
No.

Who is eligible to apply for Junior SBP?
Anyone below the age of 18 years old can apply for the Junior SBP, but the account must be a joint SBP opened with their parent or legal guardian only.
Note: Children born in the US or who are US citizens are not eligible to apply unless they provide a renunciation letter.

Can I e-Sign the GIRO Form or submit a softcopy instead?
In compliance with the Monetary Authority of Singapore (MAS) regulations, only original GIRO forms with a handwritten signature are accepted. Electronic or printed signatures are not allowed and will be rejected immediately.
Interbank GIRO Application Form can be found here. You may submit the GIRO Form to any of our Phillip Investor Centers conveniently located in the heartlands of Singapore or mail it to us at:
Attention: SBP Team
Phillip Securities Pte Ltd
250 North Bridge Road
#06-00 Raffles City Tower
Singapore 179101

How do I login to Junior SBP once my account is ready?
Within two weeks of setting up your Junior SBP account, you will receive an email notification along with a PIN mailed to you. Using the temporary password provided, log in to POEMS, navigate to the settings, and change your password to complete the setup.

Is the Junior Share Builders Plan account number the same as the parent’s trading account number?
No, the Junior Share Builders Plan account number is different from the parent’s trading account number and can be logged in separately.

Are parents able to check the Junior SBP account on the main trading account?
No

How to reset your password if you forget the existing password?
You will need to visit the nearest PIC branch for assistance in resetting your password.

How do I change the password on POEMS?
Login to POEMS > My Setting > Login and Password > Change Password

How do I sell JSBP shares?
To sell JSBP shares, the sales contract must be retagged under JSBP. There are three approaches:
1. Sell the shares through P2 Web using the parent’s trading account from which the JSBP was applied, and then inform your Trading Representative (TR) to handle the retagging on the day.
2. Sell the shares through P2 Web using the parent’s trading account from which the JSBP was applied, and then email rsp@phillip.com.sg to request the retagging of the sales contract under JSBP on the day.
3. Request your TR to sell the shares and manage the retagging process directly on the day.

How can I get the proceeds from selling the shares?
The sales proceeds are made payable strictly to the joint names of the adult and the child via cheque mail to the mailing address in our records.

How can I check if SBP liquidation has been successful?
Click ‘Acct Mgmt’ > Regular Savings Plan (RSP) > Share Builders Plan (SBP) > Portfolio to view the details of the orders settled under SBP

Can I transfer JSBP shareholdings to parent’s CDP Account?
No, share transfer from the Junior SBP to the CDP Account of the main account holder is NOT allowed.

Unit Trust RSP is an investment plan that offers a consistent and disciplined means of investing into a particular fund.

It adopts the concept of dollar cost averaging whereby more units are bought when prices are low and lesser units when prices are high. As a result, in times of fluctuating markets, the average cost for all the units can be lower than the average price during the same period.

Find out more about Unit Trust RSP 

On POEMS Website

POEMS >Acct Mgmt > Regular Savings Plan (RSP) > Unit Trust RSP > Begin

Setting up of GIRO linkage is required if you choose the cash payment method. Please refer to “How can I set up GIRO for payment?”

POEMS Mobile 3 App

Trade > RSP > Unit Trust RSP > Begin

Setting up of GIRO linkage is required if you choose the cash payment method. Please refer to “How do I apply via GIRO?”

Please go to UTRSP > Search Unit Trust Regular Saving Plan > Look under each fund’s fund information.

For new Unit Trust RSP plans funded with CASH, the plan will commence only when the GIRO Linkage Application has been received by Phillip Securities Pte Ltd (PSPL), and approved by the respective banks.

For CPF or SRS, your account must have an existing linkage with your respective CPF/SRS Agent Bank. Click here for more details.

Login to POEMS > Acct Mgmt > Regular Savings Plan (RSP) > Unit Trust RSP > Investment Instruction > Apply Plan

Note: Applications received will take up to 30 business days to come into effect.

You can download and complete the GIRO form via the link below and mail to us using the business reply envelope below. Alternatively, you can submit to any of our Phillip Investor Centres for assistance.

You can apply for GIRO via the POEMS website or the POEMS Mobile 3 App.

POEMS Website

1. Go to www.poems.com.sg > Acc Mgmt > Stocks > Online Forms > GIRO

2. Choose account no. xxxxxxx> Select Bank Name > Proceed

   
3. After proceeding, your internet banking page will pop up. If it is unable to load, check your pop-up blocker settings and allow the pop-ups for internet banking. For more information on enabling pop-ups:

   > Desktop/Android

   > IOS

4. Once the application is completed successfully, you will see the pop-up page below.

POEMS Mobile 3 App

1. Go to ‘Me’ tab > Forms > eGIRO
2. Apply GIRO > Select Account no. xxxxxxx (SBP) > Apply New eGIRO > Proceed
3. Once the application is completed successfully, you will see the pop-up page below.

Physical Form Application

You can download and complete the GIRO form via the link below and mail to us using the business reply envelope below. Alternatively, you can submit to any of our Phillip Investor Centres for assistance.

• GIRO Form
• Business Reply Envelope