This advertisement 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. All applications for units in a unit trust must be made on application forms accompanying the relevant prospectus. 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 www.poems.com.sg/unittrust

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 or endorsed by the Monetary Authority of Singapore.

Investors cannot redeem the units with the manager for the scheme or may only redeem units with the manager for the scheme under certain specified conditions. Listing of the units does not guarantee a liquid market for the units.

While there is a guarantor that guarantees the return of the full or part of the principal amount to investors at a pre-determined date, there is no assurance that the guarantor will be able to fulfil its obligations under the guarantee.


While the objective is to return the full principal amount to investors at a pre-determined date, the scheme does not unconditionally guarantee the return of the full principal amount at the pre-determined date.