Regular Savings Plan (RSP) is an investment plan that offers a consistent and disciplined means of investment for stocks and unit trusts. Our plans cater to all kinds of investors, from new investors looking to invest smaller amounts to investors looking to invest abroad.

At PhillipCapital, we offer regular fixed-dollar amount investment plan which enables you to buy shares or unit trusts. By investing a fixed amount of funds consistently at an interval of your choice, you will eventually buy more units when prices are low and less units when prices are high. This investment method is known as dollar-cost averaging, and it is especially useful in hedging against market volatility where it lessens the risk of investing a large amount in a single investment.

Recurring Plan Share Builders Plan Unit Trust Regular Savings Plan
Receive up to
$1001
Receive up to
$1002

Exclusively for
Junior Share Builders Plan
12 months handling fee rebates3

0%
Sales Charge
1T&Cs Apply.
Set Up a Recurring Plan
2,3T&Cs Apply.
Opt in for SBP
Counters Available All US, Hong Kong and Singapore counters 39 Singapore Counters More than 500 funds
Frequency Opt for Daily, Weekly, Monthly or Quarterly Monthly Monthly or Quarterly
Minimum Amount $100 $100 $100
Payment Mode Fund transfer, Debit from ledger/ Money Market Fund(MMF) GIRO GIRO
Account Type Phillip Investment Account
Charges / Handling Fees Prevailing account brokerage rates apply S$6 (≤2 counters)
S$10 (≥3 counters)
0% Sales Charge

Why regular savings plan?

Good for Beginners

New to investing? If you are conservative and would like to start small,we have plans that could be ideal for you, starting from as low as $100.

For investors looking to invest abroad or would like the choose your own investment interval, you may consider our Recurring Plan.

Setting Goals in Life

The most important thing about setting goals in life is having one. Whether you are planning for retirement, saving for your children’s education or aiming to achieve other financial objectives, Regular Savings Plan (“RSP”) could potentially help you reach your goals with peace of mind. RSP is an investment plan that offers a consistent and disciplined means of investment for stocks and unit trusts.

“Time in the Market”, rather than “Timing the Market”

It is difficult to time the market where the prices fluctuate all the time. However, by adapting the approach of dollar-cost averaging, it turns market fluctuations to your benefit. Instead of investing a lump sum of your money, you are gradually building your portfolio over a period of time with a fixed amount of funds at an interval of your choice.

If you are still waiting to time the market why not just start with one that may average out the market’s peaks and troughs? Let the impact of time work at your advantage

Dollar Cost Averaging

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.

Month
Investment
Price Per Unit
Unit Purchased
1
$100
$3.49
26
2
$100
$3.59
26
3
$100
$3.47
26
4
$100
$3.43
27
5
$100
$3.38
27
Total
$500
$3.47
132

*Investment inclusive of handling fees

Recurring Plan can be accessed through the POEMS platform, no opt in required.

Promotions

Enjoy up to $100* trade rebate when you use Recurring Plan!

Get SGD10 trade rebate for every executed order in a Recurring Plan, up to a maximum of 10 orders! Promotion valid from 1 July 2019 till 30 September 2019.

Terms & Conditions of Recurring Plan Promotion

  1. Promotion is valid from 1 July 2019 to 30 September 2019 (“Promotion Period”).
  2. Promotion is applicable for Phillip Cash Management Account (KC), Phillip Financial Account (V), Phillip Investment Accounts – Margin (M), Custodian (C), Prepaid (CC) – and Cash Account.
  3. Customer is eligible for the $10 commission rebate per trade (“Commission Rebate ”) if he/she
    • Starts the Recurring Plan(s) during the Promotion Period and;
    • Executes at least 3 orders placed via Recurring Plan during the Promotion Period.
  4. Each account can enjoy up to a maximum of SGD100 Commission Rebate i.e. 10 trades.
  5. Commission Rebate is only applicable for orders that are executed.
  6. Each counter is entitled to one Commission Rebate per day during the Promotion Period.
  7. Customers will receive the Commission Rebate in their account within 1 month after the end of each calendar month during the Promotion Period.
  8. Trade rebates are not inclusive of foreign fee paid (FFP), exchange fees and GST.
  9. Eligible Accounts have to opt in for Excess Funds Management Facility (“Smart Park”) and Securities Borrowing and Lending (“SBL”) facility to be eligible for the rebates.
  10. The following Customers are NOT eligible for this promotion unless approved by the management of Phillip Securities Pte Ltd (“PSPL”):
    • Customers that have closed their trading accounts after 1 June 2019.
    • PSPL institutional and corporate Customers.
    • All employees of PSPL / Phillip Futures Pte Ltd (“PFPL”) and its associated entities (e.g. trading representatives, financial advisors); PSPL and all its subsidiaries (direct or indirect); and their immediate families (e.g. spouse and children).
  11. Notwithstanding anything herein contained, PSPL reserves the right at any time in its absolute discretion to (i) amend, add and / or delete these Terms and Conditions without prior notification (including eligibility; replacement of the prize; promotional mechanics, promotion duration without prior notification, qualifying terms and criteria), and all participants shall be bound by such amendments, additions and / or deletions when effected, or (ii) vary, withdraw, or cancel any items or the promotion without having to disclose a reason thereof and without any compensation or payment whatsoever. PSPL’s decision on all matters relating to the promotion shall be final and binding on all participants.
  12. By taking part in this promotion, the participant acknowledges that he / she has read and consented to these Terms & Conditions.

Receive up to $100* worth of Bonus when you sign up for Share Builders Plan and invest in Phillip SING Income ETF.

a) Sign up for Share Builders Plan and receive up to $50* Bonus.

  1. This promotion is valid from 1st July 2019 to 30th September 2019, both dates inclusive.
  2. Promotion is applicable for New Share Builders Plan (SBP) Applications.
  3. Promotion is Not applicable for Junior Share Builders Plan (JSBP) Applications.
  4. To be eligible for the promotion, you need to invest a minimum of S$200 monthly.
  5. Bonuses are capped at S$50.
  6. Bonuses will be rewarded based on the illustrated tiers below:
    Monthly Investment AmountBonus Value
    S$200 (minimum)S$20
    S$300S$30
    S$400S$40
    ≥S$500S$50 (capped)
  7. You will not qualify for this promotion if you have suspended your SBP within the 6 months prior to the start of the promotion.
  8. You will also not qualify for this promotion if you have terminated your SBP within the 6 months prior to the start of the promotion, and then applied for a new SBP during the promotional period.
  9. Bonus Value is calculated based on the gross amount invested into any of the 38 counters excluding Phillip SING Income ETF in the first 3 months of account .
  10. Bonus Value is also calculated based on the lowest gross monthly amount invested.
  11. Bonuses will be credited into SBP accounts by 30th September 2019 as excess funds, and cannot be withdrawn as cash.
  12. Any Bonus Value credited from this promotion will be forfeited if you terminate/suspend your SBP in the period from 1st October 2019 to 30th April 2020, both dates inclusive.
  13. Monthly handling charges still apply with this promotion.
  14. This promotion is subject to Phillip Securities Pte Ltd’s standard terms and conditions of business, where applicable, and Phillip Securities Pte Ltd reserves the right at its absolute discretion to clients’ entitlement for the promotion; to amend the terms and conditions of, or to terminate this promotion without prior notice or liability to any person. In the event of any dispute involving the interpretation of terms and conditions or any disagreement arising from this promotion, Phillip Securities Pte Ltd reserves the right to make the final decision.
  15. By taking part in this promotion, you acknowledge that you have read, understood and consented to these Terms and Conditions.

b) Receive additional bonus of up to $50* when you invest in Phillip SING Income ETF

  1. This promotion is valid from 1st July 2019 to 30th September 2019, both dates inclusive.
  2. Promotion is applicable for all New Share Builders Plan (SBP) Applications including Junior Share Builders Plan (JSBP) Applications.
  3. Promotion is also applicable to existing SBP clients who invest fresh funds (top-ups to SBP) into Phillip SING INCOME ETF.
  4. To be eligible for the promotion, you need to invest a minimum of S$200 monthly.
  5. Bonuses are capped at S$50.
  6. Bonuses will be rewarded based on the illustrated tiers below:
    Monthly Investment AmountBonus Value
    S$200 (minimum)S$20
    S$300S$30
    S$400S$40
    ≥S$500S$50 (capped)
  7. You will not qualify for this promotion if you have suspended your SBP within the 6 months prior to the start of the promotion
  8. You will also not qualify for this promotion if you have terminated your SBP within the 6 months prior to the start of the promotion, and then applied for a new SBP during the promotional period.
  9. For new SBP applicants, Bonus Value is calculated based on the amount invested into Phillip SING Income ETF in the first 3 months of account opening.
  10. For existing SBP customers, Bonus Value is calculated based on the amount of fresh funds invested into Phillip SING Income ETF over 3 consecutive months from 1st January to 30th June 2019, both dates inclusive.
  11. Bonus Value is also calculated based on the lowest monthly amount invested into Phillip SING Income ETF.
  12. Bonuses will be credited into SBP accounts by 30th September 2019 as excess funds, and cannot be withdrawn as cash.
  13. Any Bonus Value credited from this promotion will be forfeited if you terminate/suspend your SBP in the period from 1st October 2019 to 30th April 2020, both dates inclusive.
  14. Monthly handling charges still apply with this promotion.
  15. This promotion is subject to Phillip Securities Pte Ltd’s standard terms and conditions of business, where applicable, and Phillip Securities Pte Ltd reserves the right at its absolute discretion to clients’ entitlement for the promotion; to amend the terms and conditions of, or to terminate this promotion without prior notice or liability to any person. In the event of any dispute involving the interpretation of terms and conditions or any disagreement arising from this promotion, Phillip Securities Pte Ltd reserves the right to make the final decision.
  16. By taking part in this promotion, you acknowledge that you have read, understood and consented to these Terms and Conditions.

As a parent, you always want the best for your children. Whether you are saving for their education, the deposit for their first house, in preparation for their future wedding or starting up a business – given the ever-rising cost of living, it is good to start as early as possible.

Sign up now from 1st June to 31st December 2019 and get to enjoy 12 months handling fee rebates*.

Terms and Conditions of Junior Share Builders Plan Promotion (1st June to 31st December 2019)

Enjoy 12 months handling fee rebates when you sign up for Junior Share Builders Plan for your child.

  1. This promotion is valid from 1st June 2019 to 31st December 2019.
  2. Promotion is applicable for all New Junior Share Builders Plan (SBP) Applications submitted during the promotion period.
  3. Existing Junior SBP clients who terminate or suspend their current SBP and apply for a new Junior SBP during the promotion period will not be eligible. However, existing clients who sign up for an additional Junior SBP will be eligible for the promotion.
  4. The 12 months handling fees rebate is subject to successful investment upon approved GIRO linkage; the rebate will be credited into the SBP on the following month. The full amount of the credit received will be debited from the SBP should it be suspended or terminated within the first 3 months.
  5. PSPL’s decision on all matters relating to the Promotion will be at its absolute discretion and will be final and binding on all applicants.
  6. This promotion is subject to Phillip Securities Pte Ltd’s standard terms and conditions of business where applicable, and Phillip Securities Pte Ltd reserves the right at its absolute discretion to amend the terms and conditions of, or to terminate this promotion without prior notice. In the event of any dispute involving the interpretation of terms and conditions or any disagreement arising from this promotion, Phillip Securities Pte Ltd reserves the right to make the final decision.
  7. By taking part in this promotion, the participant acknowledges that he/she has read and consented to these Terms and Conditions.

More information

Available Counters for Share Builders Plan

Phillip Share Builders Plan
Think BIG. Start small…

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. Therefore, you do not need a huge amount of funds to invest in stock market since Share Builders Plan presents an opportunity for you to invest in stock market to buy small quantity at a reduced cost.

39 Counters available for Selection
Low starting amount of SGD $100
No Lock in period
Dividend Reinvestment
Dollar Cost Averaging
Hassle-free payment via Interbank GIRO
Junior Share Builders Plan available

Share Builders Plan

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.

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, SBP allows joint application. Either one of the specimen signatures of both applicants is authorized and empowered to act in accordance to the terms and conditions binding SBP. For joint application with a child below 18 years old, a copy of the birth certificate must be submitted during application.

How do I participate in SBP?
You may complete an SBP Application Form together with an Interbank GIRO Application Form. If you do not have a trading account with Phillip Securities Pte Ltd (PSPL), you will need to open one. The purpose of the trading account is to facilitate your share liquidation from SBP in the future. Alternatively, you can apply online by the following steps: Login to POEMS > Acct Mgmt > Regular Savings Plan (RSP) > Share Builders Plan.

What do I need to bring along when applying for SBP?
You will need to bring along your NRIC or Passport & Work Permit / Employment Pass (for foreigners) and a valid bank account number that you want to use for the Inter-bank GIRO deduction. If you are opening a joint account with your child below 18 years old, please bring along the birth certificate of the child.

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

Can I choose the shares that I want to invest in?
Yes, you can choose to invest in any of the 39 selected Singapore listed shares.

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 more than one counter in your investment selection.

What is preferred counter?
The preferred counter is the counter that the handling fees will be deducted from. Moreover, if there are 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.) they 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, there will be a statement sent to your email address based on POEMS record, if you have opted in for e-statement. Please take note that a monthly administrative fee of $2.14 (inclusive of 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. Please login in to your POEMS > Acct Mgmt > Regular Savings Plan (RSP) > Share Builders Plan (SBP) > Portfolio.

Can I apply for SBP through POEMS online?
Yes, you can apply SBP through POEMS online by the following steps: Login to POEMS > Acct Mgmt > Regular Savings Plan (RSP) > Share Builders Plan.

Can I amend the investment instruction?
Yes, you can amend your investment instructions via POEMS or by completing the SBP Investment Amendment Form. Amendments can be made to the selection of counters and the investment amount. However, amendment for the month will be effected only if the instructions are completed and submitted to us 6 business days before the transaction date, which is on the 18th of every month or the next business day if 18th of the month is on a non-market day. Otherwise, the amendment will be effective from the next investment month.

Can I temporarily suspend the SBP?
Yes, you can suspend your SBP by completing the SBP Suspension Form. However, if the 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.

What will happen if my SBP is suspended?
When your SBP is suspended, no further GIRO deduction will be effected 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$2.14 per month, if you decided not opt-in for e-statement.

If I want to terminate my account, what will happen to my SBP shareholdings?
Before proceeding for termination, you can request Phillip Securities Pte Ltd to transfer your SBP shareholdings to your CDP GSA. Transfer fees apply at $21.40 (inclusive of GST) per counter chargeable by CDP and Phillip Securities Pte Ltd. Alternatively, you can liquidate your shares through POEMS online or your Trading Representative. The sale proceeds will be credited to your trading account.

How do I pay for my investment?
Interbank GIRO is used for fixed monthly transfer of funds from your bank account into Share Builders Plan for investment. You have to ensure that sufficient funds are available at least 6 business days before the Transaction Date (18th of every month or the next business day if 18th of the month lies on a non-market day).

Who are the participating banks for this Inter-bank GIRO facility?
All banks with Interbank GIRO Facility in Singapore.

How long does it take for my Interbank GIRO Account to be linked with my SBP?
It takes about 3 weeks to link up your GIRO. However, the processing times may vary with each bank.

Can I start my SBP Investment pending my Interbank GIRO to be linked with my SBP?
Yes, you can start your SBP investment while pending your Interbank GIRO linkage with SBP. You may pay by cash (cash over the counter is available at Raffles City ONLY) or cheque for your first SBP investment. For payment by cheque, please issue to payee “Phillip Securities Pte Ltd” with the total investment amount as indicated in your investment instruction. And, kindly indicate your SBP Number at the back of your cheque. Remember to inform your trading representative of your intention so we may cater for your temporary mode of payment.

What if I do not have enough funds in my bank account?
If you do not have enough funds in your bank account, your monthly investment will not be executed and there will be insufficient funds charge of $5.35 (inclusive of GST) to be deducted from your SBP ledger next month. If you have insufficient funds for 3 continuous months, your SBP will be suspended. If you wish to continue, you will have to re-activate your SBP Account and ensure that you have sufficient funds in your bank account for monthly investment deduction.

Can I change my Interbank GIRO Account for my SBP?
Yes. You can change the Interbank GIRO account for your SBP by submitting a new Interbank GIRO Application Form to us. However, please take note of the processing time for your new GIRO Bank Account to link up your SBP as it could lead to lapse of investment during this transition period. Hence, please ensure there are sufficient funds in your existing account in the meantime.

When and how are the buying 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 of the month falls on a non-market day, buying of the counter will be done on the next available market day.

How are the shares allocated to me?
You will be credited with the nearest rounded-down whole number of the designated share counter that can be purchased with your fixed monthly investment less the handling fee.

How is the SBP handling fee deducted?
You will have to indicate the preferred counter from which the handling fee will be deducted. The actual buy amount for the counter will be the buy amount you stated on the amendment of Investment Instruction minus the handling fees. You may amend your preferred counter via POEMS or by completing the investment instruction form. For example, if you indicate that your investment amount for SIA is S$300 and if our handling fee is S$6.42 (inclusive of GST), the actual investment amount for SIA will be S$293.58.

Will the execution of my investment instruction be based on the whole amount of fund I have indicated?
Since we cannot credit shares on a fractional basis, we will only buy shares to the nearest whole number that is available with your monthly investment minus the handling fees. The un-invested amount of fund will be rolled over to be 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, these funds 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 un-invested 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. if the un-invested amount last month was S$8.70, then the investment amount for SIA this month will be S$302.28, which is the sum of S$300 plus the un-invested amount of S$8.70 less handling fee of S$6.42 (inclusive of GST).

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

How do I sell my shares?
You can sell your shares via POEMS online or from your Trading Representative. However, please check for the correct counter and quantity in your SBP Portfolio before selling your shares. It is also important for you to notify your Trading Representative that you are selling from your SBP shareholdings if you execute the trade/sale through POEMS online.

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.

Can I transfer my SBP shareholdings to my own CDP GSA?
Yes, you can transfer the shares from your SBP shareholdings to your CDP GSA with a transfer fee of S$21.40 (inclusive of GST) per counter per transaction chargeable by CDP and Phillip Securities Pte Ltd. Shares transfer from Junior SBP to CDP GSA of the main account holder is NOT allowed.

What are the charges involved?
*Monthly Handling Fees

Handling Fees
≤2 counters
≥3 counters
Total Investment Amount ≤ $1000 S$6 S$10
Total Investment Amount > $1000 The higher of 0.2% or $10


*Other Fees and Charges
**Dividend Charges
1%
min S$1 capped at S$50
Scrip Dividends
$10
***Other Corporate actions
$10
Failed GIRO collection charge
$5
Hard Copy statement (if Opt-Out of E-Statement)
$5
Note:

* All fees are subjected to GST
**Dividend charges will be equivalent to dividend amount, if the amount is less than S$1.
***Rights will be sold off as “nil-paid”. Brokerage for this liquidation will be waived by PSPL but subject to handling fee of S$5.35 (inclusive of GST) instead of S$10.70 (inclusive of GST)

Will I be entitled to the dividend payment?
Yes, you will be entitled to dividends that 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 reinvested into your preferred counter. We will not impose additional fees if the cash dividend amounts 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, you will be credited with the rights entitlement based on your shareholdings.

Am I able to subscribe for the rights issues allocated to me?
SBP is a low cost saving product that presents an opportunity for client to invest in 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 SGD5.35, 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 to be invested in the preferred counter the following month.

Who can I contact for more detailed information with regards to SBP?
You can contact your respective Trading Representative for assistance or Customer Experience Hotline at 6531 1555 or email to rsp@phillip.com.sg

Unit Trust Regular Saving Plan

Simply start a new UTRSP plan via Acct Mgmt > Regular Savings Plan (RSP) > Unit Trust RSP > Apply Plan. Setting up of GIRO linkage is not required unless your bank information has changed.

If your holdings are at or above the minimum holding amount or minimum units that is required by the Fund Manager, your holdings will remain unchanged. You may retain them as a long-term investment.

If your holdings are below the minimum holding amount or minimum units that is required by the Fund Manager, you will be requested to redeem your holdings.

Subsequent UTRSP will be stopped until the fund is open for subscription. Your existing holdings will remain unchanged unless fund is to be closed.

You will be able to change your UTRSP subscription amount as long as the minimum holding amount is maintained. To check the relevant amount, go to the fund information of the subscribed fund and look under Investment Amount.

You can change it in your POEMS account via Acct Mgmt > Regular Savings Plan (RSP) > Change Plan (under Unit Trust RSP). A notice is required 30 business days in advance before the change is to take effect. No charges will be imposed for changes made.

There are no fees imposed by Phillip Securities when you contribute to UTRSP online.

However, for CPF transactions, the agent banks levy transaction charges of $2.50 and this fee applies to all CPF transactions including RSP and lumpsum, as well as across distributors.

For RSP cash, there will be no penalty. However, RSP may be terminated after 3 consecutive unsuccessful deductions.

For RSP CPF, a penalty charge may be imposed by the CPF bank. RSP CPF may be terminated after 3 consecutive unsuccessful deductions.

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

Recurring Plan

Step 1:

Open the Recurring Plan widget. There are 2 ways you can create a Recurring Plan.

Method 1:
Search for your desired counter that you wish to set a Recurring Plan for. Right click on the selected counter and select “Set as Recurring Plan”
Method 2:
Create a new widget and search for “recurring”. Select the “Recurring Plan” and search for the counter using the search bar.


Step 2:

Key in the value, frequency, start date and end date of the Recurring Plan that you wish to place. Key in your password and submit.

Step 3:

Check the order status under the “Recurring Plan Status” widget to ensure that the details are correct.

Step 4:

Click on the Parent Order number to view details of the Child Order status. The Child Order status will indicate “Triggered” if the order has been successfully sent to the market on the actual trigger date.

Step 5:

Open the Order Status widget to view the quantity and actual price executed for the Child Order. The contract will be created the next day, and you will be able to view it under the Account Management Widget.
Benefits Risks
Use of Dollar Cost Averaging (DCA) Cannot control the buy price
Manage market risks Commission may be a consideration if your investment amount is small
Disciplined way of regular investing
Accumulate position before announcements
Recurring Plan Share Builders Plan Unit Trust Regular Savings Plan
Counters Available All US, Hong Kong and Singapore counters 39 Singapore Counters More than 500 funds
Frequency Opt for Daily, Weekly, Monthly or Quarterly Monthly Monthly or Quarterly
Minimum Amount $100 $100 $100
Payment Mode Fund transfer, Debit from ledger/ Money Market Fund(MMF) GIRO GIRO
Account Type Phillip Investment Account
Charges / Handling Fees Prevailing account brokerage rates apply S$6 (≤2 counters)
S$10 (≥3 counters)
0% Sales Charge
  • Blue-Chips Stocks for capital appreciation and dividend income
  • REITs and Retail Bonds for dividend income
  • ETFs tracking broad base index, commodities etc
All equities account can be used to set up Recurring Plan.
  1. The minimum value has to be higher than $100 in the respective currencies (ie SGD, HKD or USD) and;
  2. The value of the minimum executable quantity of the counter, which can be derived by multiplying the counter lot size by the last traded price
Orders will be sent to the exchange approx. 3 minutes before it opens. The price submitted will be 10 ticks higher than the latest bid price in the matching phase.
Please refer to the table below for the 4 different types of intervals that you may choose from:
Frequency Maximum Duration (From start to end)
Daily Not more than 3 months
Weekly Not more than 1 year
Monthly No limit
Yearly No limit
Only buy orders are allowed for Recurring Plan.
The commission for each trade done through the Recurring Plan will be based on the customer prevailing commission rates. All exchange fees will be applicable as per standard contract fees.
Settlement of contract will be the same as a normal trade settlement.
Example: ThaiBev (SGX)

Account Type: Phillip Investment Account - Prepaid (CC)
Invested Amount: $1000
Investment Interval: Every 1st Trading Day of the Month
Brokerage per Investment: $10

Date Price Quantity Total Amount Invested Total Amount Invested Including Brokerage Total Quantity To Date Total Amount Invested to Date Average Price/ Stock to Date Current Gains
1-Oct-18 0.68 1400 $952.00 $962.00 1400 $962.00 $0.68
-
1-Nov-18 0.625 1600 $1,000.00 $1,010.00 3000 $1,972.00 $0.65
(77.00)
3-Dec-18 0.64 1500 $960.00 $970.00 4500 $2,942.00 $0.65
(32.00)
2-Jan-19 0.61 1600 $976.00 $986.00 6100 $3,928.00 $0.64
(167.00)
1-Feb-19 0.735 1300 $955.50 $965.50 7400 $4,893.50 $0.65
595.50
1-Mar-19 0.815 1200 $978.00 $988.00 8600 $5,881.50 $0.68
1,187.50
Amount invested does not include exchange fees and GST. Prices are done at opening.

ThaiBev on ChartLive from 1st Oct 2018 to 22nd Mar 2019 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.
Settlement of contract will be the same as a normal trade settlement. Force selling will occur.
Yes, you may cancel from the “Recurring Plan Status” as long as the trigger order has not been executed.
Here are some order rejection reasons that you may see:
  • Minimum value to execute should be 100
    • The minimum value to execute should be at least $100 (in the respective currency).
  • Minimum executable quantity has exceeded requested value
    • The value to execute must be higher than the minimum tradable value (ie. lot size x traded price).
  • Order rejected due to price abnormality, contact dealer
    • The order was rejected due to a wide Bid/Ask spread of 10% and more than 30 ticks.
The order will still be triggered regardless of corporate actions.

Junior Share Builders Plan

Every child is a precious gift to us and we want the best for them. Open a Junior Share Builders Plan jointly with your child to give them a head start in life. You can start up with as low as S$100 a month with any counters that are available in Share Builders Plan.

39 Counters available for Selection
Low starting amount of SGD $100
No Lock in period
Dividend Reinvestment
Dollar Cost Averaging
Hassle-free payment via Interbank GIRO

Important Notice: To apply for Junior Share Builders Plan, main parent applicant should have an existing POEMS account.

You may also visit any of our Phillip Investor Centres and bring along your required documents to start up now:

  1. NRIC
    • Singaporean & Singapore PR or
    • Employment/ S-Pass and Passport (Foreigner) of Parent/Legal Guardian
  2. Birth Certificate or proof of guardianship of the child
  3. A bank account number that you want to use for the Inter-bank GIRO deduction

Terms and Conditions of Junior Share Builders Plan Promotion (1st June to 31st December 2019)

Enjoy 12 months handling fee rebates when you sign up for Junior Share Builders Plan for your child.

  1. This promotion is valid from 1st June 2019 to 31st December 2019.
  2. Promotion is applicable for all New Junior Share Builders Plan (SBP) Application submitted during the promotion period.
  3. Existing Junior SBP clients who terminate or suspend the current SBP and apply for a new Junior SBP during the promotion period will not be eligible. However, existing clients who sign up for an additional Junior SBP will be eligible for the promotion.
  4. The 12 months handling fees rebate is subjected to successful investment upon approved GIRO linkage; the rebate will be credited into the SBP on the following month. The full amount of the credit received will be debited from the SBP should it be suspended or terminated within the first 3 months.
  5. PSPL’s decision on all matters relating to the Promotion will be at its absolute discretion and will be final and binding on all applicants.
  6. This promotion is subjected to Phillip Securities Pte Ltd’s standard terms and conditions of business where applicable, and Phillip Securities Pte Ltd reserves the right at its absolute discretions to amend the terms and conditions of, or terminate this promotion without prior notice. In the event of any dispute involving the interpretation of terms and conditions or any disagreement arising from this promotion, Phillip Securities Pte Ltd reserves the right to make the final decision.
  7. By taking part in this promotion, the participant acknowledges that he/she has read and consented to these Terms and Conditions.

Unit Trust Regular Savings Plan
Think BIG. Start small…

Unit Trust Regular Savings Plan aims to turn market fluctuations to your benefit by managing risk with Dollar Cost Averaging. In this scheme, you enjoy the potential returns, reasonable risk and cost effectiveness of Unit Trust with a risk management tool.

There are wide ranges of Unit Trust funds in Phillip which offer Regular Savings Plan facility.

More than 400 funds available for Selection
*Low starting amount of SGD $100
No Lock in period
Dividend Reinvestment
Dollar Cost Averaging
Hassle-free payment via Interbank GIRO
CPF and SRS available for selected funds
*A minimum investment amount may be applicable.

At Phillip, we provide a range of UTRSP-approved funds for your selection. You may use the filters below to find a suitable for your investment needs:

Recurring Plan
Think BIG. Start small…

Recurring Plan gives you more control over your investments. It works similarly to the other plans, whereby it aims to manage market risk through the use of Dollar Cost Averaging. You gradually build your portfolio over a period of time with a fixed amount of regular investment that is determined by you, purchasing more units when the price is low and fewer units when price is high. The main difference is that while you only get to choose from the 39 stocks available in the Share Builder’s Plan, you get to choose from the entire pool of Stocks and ETFs in the US, Hong Kong and Singapore market for the Recurring Plan! Beyond the increased pool, you also get to choose your own interval – daily, weekly, monthly or quarterly – giving you greater flexibility.

Available for all US, HK and SG counters
Accumulate blue chips and position before announcements
No Lock in period
Flexible intervals of Daily, Weekly, Monthly or Quarterly
Dollar Cost Averaging
Manage market risk
Step 1:

Open the Recurring Plan widget. There are 2 ways you can create a Recurring Plan.

Method 1:
Search for your desired counter that you wish to set a Recurring Plan for. Right click on the selected counter and select “Set as Recurring Plan”
Method 2:
Create a new widget and search for “recurring”. Select the “Recurring Plan” and search for the counter using the search bar.


Step 2:

Key in the value, frequency, start date and end date of the Recurring Plan that you wish to place. Key in your password and submit.

Step 3:

Check the order status under the “Recurring Plan Status” widget to ensure that the details are correct.

Step 4:

Click on the Parent Order number to view details of the Child Order status. The Child Order status will indicate “Triggered” if the order has been successfully sent to the market on the actual trigger date.

Step 5:

Open the Order Status widget to view the quantity and actual price executed for the Child Order. The contract will be created the next day, and you will be able to view it under the Account Management Widget.
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