Question 1

Which ETFs are in the Income Portfolio?

Accepted Answer

ETFs that allocated in our Income portfolio are Straits Times Index, SG Government Bond, SGD Investment Grade Corp Bond, S-REIT, Asia ex-Japan REIT, and Asia High Yield Corporate Bonds.

Question 2

Where do dividends from my Income Portfolio go?

Accepted Answer

For Income Portfolio, you can opt to either reinvest the dividend payout or have the payouts sent to your personal bank account.

However, this option is not available if you deposit using an SRS account and the dividend will be reinvested. You may proceed to withdraw the dividend by performing a withdrawal request and the fund will be transferred to your SRS account.

All dividend payments are reflected in your "Transactions" tab.

Question 3

How often do payouts occur for the Income Portfolio?

Accepted Answer

You should get the payouts as soon as it’s distributed and so we don’t aggregate the underlying funds’ payouts to smooth out the distribution over the course of a year.

Hence, the dividend payout is dependent on the schedule of each ETFs. There may be a month when a handful of ETFs schedule their payouts; there may be months in which none of the 6 ETFs distribute dividends and no income is paid out at all.

Question 4

How are my returns calculated?

Accepted Answer

We display Total Returns, Time-weighted Returns, and Money-weighted Returns. The multiple ways of viewing your returns give you the flexibility to understand the performance of your individual portfolio(s) depending on how you wish to evaluate your portfolio(s).

What is Total Return?

Total Return is the simple return of all your portfolios’ returns in the currency terms you select to display.

What is Time-weighted Return?

Time-weighted Return (TWR) is commonly-used in the financial industry, making it an easy metric to compare returns between different portfolio managers. TWR measures the portfolio manager’s ability to generate returns, not the effects of an investor’s deposit and withdrawal behaviours. It does this by tracking performance from the first deposit made into a portfolio.

What is Money-weighted Return?

Money-weighted Return helps to gauge the effectiveness of an investor’s timing of deposits and withdrawals. It does this by including the effects of multiple cash flows by assigning a weight to each of your deposits and withdrawals. In other words, a deposit or withdrawal of $1,000 SGD has a lesser effect on your portfolio’s return figure than a deposit or withdrawal of $100,000 SGD.

To learn more, read our article on how we calculate returns.

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12%

3 to 5 years

SGD

None

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