Question 1

What is StashAway Reserve?

Accepted Answer

StashAway Reserve is a private wealth management offering designed only for Accredited Investors. With Reserve, clients can access private equity, venture capital, angel investing, crypto, and choose from a wide range of wealth advisory services.

Question 2

How do I become a Reserve client?

Accepted Answer

To become a Reserve client, you have to register as an Accredited Investor and invest $250,000 SGD with StashAway, or intend to have at least that much invested within 6 months from when you express your interest to a Wealth Advisor. This amount can be in any of StashAway's portfolios, and it includes your future commitments to Reserve private market investment options.

Question 3

What is the minimum amount I need to invest to be a Reserve client?

Accepted Answer

The minimum amount you need to invest to be a Reserve client is $250,000 SGD. This amount can be in any of StashAway's portfolios, and includes your future commitments to Reserve private market investment options.Once you’re verified as an Accredited Investor, you’ll have a 6-month grace period to invest at least $250,000 SGD. Throughout this grace period, you’ll have access to try Reserve’s offering.

Question 4

What wealth advisory services do Reserve clients get?

Accepted Answer

Once you become a Reserve client, you’ll be assigned a Wealth Advisor whom you can reach out for consultations at any time via Whatsapp, email or phone.
Additionally, you get dedicated consultations with your Wealth Advisor.
Wealth discovery session - we’ll get to know you and your financial picture so that we can come up with the right next steps.
In this 1-hour chat, we’ll discuss:
Your current financial situation - including income, savings, investments, and other components that make up your financial picture
Your short-term and long-term financial goals and objectives
Any preferences or hopes you have for your investments
Risk profile assessment
And anything else that you think might be relevant
A holistic financial planning session - we'll build and create a financial plan over two sessions.
What we’ll go over in your 6-month review:
Your portfolio’s performance
Any changes that came up recently that could impact your portfolio strategy
The progress you’ve made towards your goal(s)
Any additional opportunities for your portfolio

Question 5

How often can I meet my Wealth Advisor?

Accepted Answer

You can meet your Wealth Advisor as often as you need to. Your Wealth Advisor can also offer more in-depth sessions once or twice a year. For example, financial planning sessions happen on a yearly basis, and portfolio reviews happen twice a year.

Question 6

What is grace period?

Accepted Answer

The grace period is the 6-month window that allows you to access Reserve before meeting the minimum requirement of $250,000 SGD in investments and/or commitments to future investments in private market options.

Question 7

How can the grace period start?

Accepted Answer

There are a couple of ways one can start the grace period.
As a trial of Reserve – for verified Accredited Investors who would like to try Reserve, but have not yet met the minimum requirement. You will be granted the grace period if you express your interest to a Wealth Advisor.
As an existing Reserve client when the value of net deposits and total assets drop below $250,000 SGD. Then you’re granted the grace period to increase your investments back to at least that amount.

Question 8

How can the grace period end?

Accepted Answer

There are a couple of ways one can end the grace period.
When you invest at least $250,000 SGD and then get unlimited access to Reserve
When you don’t meet the minimum investment amount of $250,000 SGD by the end of your grace period. You’d then lose access to Reserve, along with the ability to make any new Reserve private market investments.

Question 9

I don’t want to be considered a StashAway Reserve client. Can I still invest in crypto and private markets?

Accepted Answer

Only StashAway Reserve clients can invest in crypto, Reserve’s private market investments, and access Wealth Advisory services.

Question 10

Is there a Reserve referral program?

Accepted Answer

Yes, for each friend you refer who joins StashAway Reserve, you both receive 10% off the management fees on private equity, venture capital and angel investing. The more friends you refer, the more you save.

Simply share your personal referral link with your friend, and let them know to use it when signing up with StashAway Reserve.

Terms and Conditions:

Your friend must sign-up as a new user with StashAway via your unique referral link and get verified as an Accredited Investor.
Your friend must invest in any of StashAway portfolios.
The 10% discount is valid for 1 year from the date of referral.
The 10% discount applies to angel investing, private equity and venture capital.
The 10% discount stacks – the more you refer, the more discount you get.
For your friend to get the 10% discount, he/she must invest in private equity, venture capital, or angel investing within 30 days of signing up.

Question 11

What’s the minimum investment I have to make to invest into PE and VC?

Accepted Answer

The minimum investment is $50,000 USD. However, we only need you to deposit 30% of your desired total investment amount, also known as your annual budget.

Question 12

What does annual budget for PE and VC mean?

Accepted Answer

“Annual budget” refers to the overall amount you intend to invest in PE and VC.The annual budget helps us determine which funds and investment amounts are the most suitable as we allocate the pool of money over time.
The word “annual” does not mean you are committed to investing on an annual basis. Rather, we use the term annual budget because we will commit this amount to funds throughout the course of a year, starting from when you transfer the initial 30%.

Question 13

Will you invest all my annual budget for PE and VC in one year?

Accepted Answer

Your funds will be invested over the subsequent 2-5 years after you deposit

Question 14

Can I change my annual budget, and if so, how often and when?

Accepted Answer

You can change your annual budget at any time as long as it isn’t lower than the minimum $50,000 USD or lower than the amount StashAway has committed at that point on your behalf. After changing your budget, any future commitments will be adjusted according to your new budget. If you wish to stop making future commitments, or reduce or increase your budget, talk to your Wealth Advisor.

Question 15

What is the difference between annual budget, committed capital and invested capital?

Accepted Answer

“Annual budget” refers to the overall amount you wish to invest in PE and VC
“Committed capital” refers to the amount that StashAway has committed on your behalf to the PE and VC funds for their future use. This amount is final and irreversible. We aim to commit your full annual budget within the year, starting from when you transfer the initial 30%.
“Invested capital” refers to the amount that has actually been deployed and transferred to the funds. This amount is final and irreversible. We aim to invest your full annual budget within 2 to 5 years.

Question 16

Do I have to transfer my full annual budget for PE and VC right away?

Accepted Answer

Your first transfer has to be at least 30% of your annual budget. Over the first year, StashAway’s Investment Committee aims to commit your annual budget to PE and VC funds. Meanwhile, over the subsequent 1-5 years, we’ll notify you when you need to transfer more money so that the committed capital can be deployed.
To illustrate how much you’d need to transfer in the future, let’s look at an example:
As StashAway’s investment team seeks opportunities to invest your money over time, you’ll need to be prepared to transfer 25% of either your annual budget or total commitments at any given time.
If your annual budget is $100,000 SGD, then your initial deposit is $30,000 SGD.
Let’s say StashAway commits $80,000 SGD of your annual budget at some point. At any time in a 1-5 year timeframe, you’ll need to invest an additional $80,000 SGD*25% ($80,000 SGD = total committed amount) or $100,000 SGD*25% ($100,000 SGD = your annual budget), whichever is higher.

Question 17

How many PE and VC funds can I invest in?

Accepted Answer

We aim to diversify your investments across 5 to 7 PE and VC funds.

Question 18

When can I withdraw or cash out my PE and VC investments?

Accepted Answer

Withdraw You’ll only be able to withdraw your deposited funds that haven’t been committed into PE and VC yet . You can find out your committed amount through your Wealth Advisor. Cash out Generally, funds start making the first distributions back to clients around year 4 or 5 of the investment. We will notify you once a distribution event takes place, and you will be able to cash out those distributions. Further distributions then continue to occur until the end of the lifetime of the fund, which generally is around 10 years. If you want to sell a part or all of your commitments through a secondary market, you may reach out to your Wealth Advisor. Do note however, that the option for secondaries isn’t guaranteed, and your commitment could be sold at a discount.

Question 19

What are the fees to invest in PE and VC?

Accepted Answer

StashAway charges an annual management fee of 1% on committed capital. We do not charge any fees on your annual budget.
Besides this, there are fees charged by the fund managers. These include, but are not limited to, entry, fund admin, or management fees. They may add up to 1.0%-3.0%.
There may also be performance fees upon successful exits charged by the fund manager, and they usually range between 10% to 20% depending on the fund. Performance fees are only charged on the profits that you make with your PE and VC investments above a certain minimum hurdle rate.

Question 20

How do I start investing in PE and VC?

Accepted Answer

Contact our Wealth Advisory team&nbsp;to get started.

Question 21

How are the PE and VC funds chosen?

Accepted Answer

StashAway sources funds from our network of partners and world’s leading fund managers such as CVC, Carlyle, KKR, and Insight Partners.
Our investment team has developed a fund selection process that includes extensive due diligence and intelligent criteria-matching. The team looks at a variety of factors including but not limited to: the reputation of the fund manager, the expertise of their team, the investment strategy, the past performance of previous funds, the synergy with the client’s target allocation, and the key terms of investing into the fund.

Question 22

Where are my funds held?

Accepted Answer

We keep the funds for PE and VC in a separate, trust account at Citibank. Citibank serves as a custodian of funds, where your PE and VC funds are completely segregated from StashAway’s company account.

Question 23

How are the investments legally structured? Is my name legally in the target company’s shareholder registry?

Accepted Answer

By participating, you appoint Pacific Trustees (regulated by MAS) as a bare trustee to hold the investments on your behalf under a nominee account structure. In other words, Pacific Trustees will be the nominee shareholder in the funds for shares held on behalf of all StashAway PE and VC investors.
In turn, the fund in question will be the nominee shareholder in the companies for shares held on behalf of all investors in the fund. Pacific Trustees will retain a ledger with all of your holdings.

Question 24

Are investments into PE and VC taxable?

Accepted Answer

Any profits you make from PE and VC would be considered capital gains belonging to you. Therefore, all tax consequences, reporting requirements, and payment obligations are your responsibility.
StashAway does not manage tax risks, and so we recommend you seek advice from a third party with respect to the tax implications of investing in PE and VC.

Question 25

What happens to my PE and VC investments if StashAway gets acquired, goes public, or closes?

Accepted Answer

If StashAway gets acquired, goes public, or closes, nothing happens to your investments.The funds selected for PE and VC are held in a bank account at Citibank. Citibank serves as a custodian of funds, where your funds are completely segregated from StashAway’s company account. In addition, the shares held in companies or the units of the funds are held by Pacific Trustees (licensed by MAS) as a bare trustee on your behalf. The trustee will continue to safeguard them if the situation were to arise.

Question 26

What is Angel Investing with StashAway Reserve?

Accepted Answer

StashAway has collaborated with XA Network (XA) to provide Reserve clients the opportunity to invest in early-stage technology startups across Southeast Asia. Reserve clients can invest between $20,000 USD and $200,000 USD per year. StashAway and XA will aim to allocate your funds across 10-20 startups per year.

Question 27

What’s the minimum investment to become an angel investor?

Accepted Answer

The minimum investment is $20,000 USD, and the maximum is $200,000 USD per year. As angel investing inherently comes with tremendously high risk and is highly illiquid, we recommend budgeting no more than 5-10% of your total net worth to angel investing.
To get started, you will need to transfer at least 30% of your annual budget. For example, if you select $200,000 USD, your first transfer would be at least $60,000 USD. We will draw down from that $60,000 USD in order to invest in the startups, and we will send you a reminder to top up when less than 30% of your annual budget will be available for investments.

Question 28

How many startups can I invest in?

Accepted Answer

Angel investing is generally very risky, and so to diversify your opportunities, we will aim to allocate your funds across approximately 10-20 startups per year. The investments will start once you transfer at least 30% of your annual budget for Angel Investing. StashAway aims for an investment into any one startup not to exceed 15% of your annual budget for Angel Investing.

Question 29

Can I withdraw my money at any time?

Accepted Answer

Because angel investing is a private investment option that doesn’t allow for buying and selling of shares, funds will therefore be locked in until there is a successful exit, which, on average, takes 5 to 10 years. Because of this timeline, we only recommend investing cash that you won’t need for the next 10 years. Keep in mind that returns are not guaranteed.

Question 30

What does “annual budget” for Angel Investing mean?

Accepted Answer

“Annual budget” refers to the overall amount you intend to invest in Angel Investing.The word “annual” indicates that we intend to invest your full annual budget for Angel Investing into startups throughout the course of a year.

Question 31

Can I change my annual budget and when?

Accepted Answer

You’re free to change the amount you want to invest in angel investing at any time. However, make sure to inform your Wealth Advisor of any changes you’d like to make. Keep in mind that 30% of whatever your most up-to-date annual budget is should be in your account ready for investments in startups and fee payments.

Question 32

Where are my funds held?

Accepted Answer

We keep the funds for PE and VC in a separate, trust account at Citibank. Citibank serves as a custodian of funds, where your PE and VC funds are completely segregated from StashAway’s company account.

Question 33

What are the fees for Angel Investing?

Accepted Answer

There are only two fees you’ll need to pay: a management fee and a performance fee. StashAway shares a portion of both fees with XA Network. StashAway charges a management fee, and it applies only when your funds get invested in startups. For the first 5 years, there is a 2% annual management fee on the invested funds. From year 6 to 10, the annual management fee will be reduced to 1%. If there is a liquidity event or the startup discontinued its operations, we will no longer charge a management fee. The management fee is calculated daily and charged quarterly from the StashAway Angel Investing account. On investment profits, StashAway charges a 20% performance fee. The investment profit is calculated by subtracting the invested funds from the total returns, and will be charged upon a successful exit per startup you’ve been invested in. For example, if you invested $5,000 USD in startup A, it’s share value increased to $50,000 USD throughout time, then your investment profit will be $36,000 USD after accounting for $9,000 USD of performance fees.
If we aren’t able to collect the full 2% annual management fee due to a lack of funds in your account, we reserve the right to increase the performance fee from 20% to 50% on every startup that you are invested in. This is why we expect you to keep at least 30% of your budget in your account. StashAway also reserves the right to sell your liquid investments held with Asia Wealth Platform Pte Ltd (StashAway) to pay for any missed management fees.

Question 34

How do I start Angel Investing?

Accepted Answer

Reach out to our Wealth Advisor team and they’ll instruct you on next steps.

Question 35

How does StashAway choose which startups will be invested in?

Accepted Answer

Leveraging the network of their 100+ members, who are some of the most senior tech executives in the region, XA collaborates with StashAway regarding investment opportunities. StashAway’s Investment Committee will evaluate the startups, and will then make the investment decision on your behalf.

Question 36

How can I support the growth of the startups I’m investing in?

Accepted Answer

Whenever we invest your funds in a startup, we’ll send you information about the startup, and we’ll include suggestions for how you can support the growth of the startup.

Question 37

How can I stay up to date on the startups I’m invested in?

Accepted Answer

In the StashAway app, under Reserve → Angel Investing, you’ll be able to see details about each of the startups you’re invested in and their estimated and current values. Your Wealth Advisor will share any updates about the startups, and will notify you about any transactions StashAway makes with your funds.

Question 38

How are the investments legally structured? Is my name legally in the target company’s shareholder registry?

Accepted Answer

By participating, you appoint Pacific Trustees (regulated by MAS) as a bare trustee to hold the investments on your behalf under a nominee account structure. In other words, Pacific Trustees will be the nominee shareholder in the funds for shares held on behalf of all StashAway PE and VC investors.
In turn, the fund in question will be the nominee shareholder in the companies for shares held on behalf of all investors in the fund. Pacific Trustees will retain a ledger with all of your holdings.

Question 39

Are Angel Investments taxable?

Accepted Answer

Any profits you make through Angel Investing would be considered capital gains belonging to you. Therefore, any tax consequences, reporting, and payment obligations are your responsibility.
StashAway does not manage tax risks, and so we recommend you seek advice with respect to the tax implications of investing.

Question 40

What happens to my Angel Investments if StashAway gets acquired, goes public, or closes?

Accepted Answer

If StashAway gets acquired, goes public, or closes, nothing happens to your investments.
The funds selected for PE and VC are held in a bank account at Citibank. Citibank serves as a custodian of funds, where your funds are completely segregated from StashAway’s company account. In addition, the shares held in companies or the units of the funds are held by Pacific Trustees (licensed by MAS) as a bare trustee on your behalf. The trustee will continue to safeguard them if the situation were to arise.

Question 41

What is XA Network?

Accepted Answer

XA Network is an investment network of senior executives from leading global and regional technology companies (including Gojek, Grab, Lazada, Google, Netflix, and Twitter) who invest in SEA’s startup community to help them scale. It was founded in 2018, and already has a portfolio of more than 40 tech startups in SEA.

Question 42

What is XA’s track record in investing in early-stage startups?

Accepted Answer

As of March 2022, XA has a portfolio of 40+ tech startups based in South East Asia spanning industries in EdTech, FinTech, Mobility, FoodTech, Social Commerce, E-commerce, and more. They already had one successful exit - Lomotif, a Singapore-based startup in the video space. It was sold for $125 million USD. Thirty five percent of their portfolio companies have also gone on to raise over $500 million USD in follow-on capital.

Question 43

What startups does XA Network invest in?

Accepted Answer

XA concentrates its investments on tech startups and entrepreneurs that solve issues and create a positive impact in Southeast Asia (SEA). They invest into startups from pre-seed to pre-series B, and consider the following criteria before investing:
Focus on SEA. The tech startups must be SEA-focused, or based in SEA and serving other regions. The rationale for the latter must be very strong.
Team quality. XA prioritises the founders’ abilities to build iterative products quickly and manage their budget tightly, as well as their coachability and co-founder relationships
Strong leadership. There should be a full-time leader/CEO with a well-defined role
Traction. XA looks for early traction and lead indicators of a sustainable product-market fit in terms of users, usage and retention, and revenue.
Size of the market. XA looks for a well-defined market opportunity that can create a sustainable business in the long term
Potential impact. XA seeks startups that operate in sectors of impact within the expertise of XA members

Question 44

What is StashAway Reserve’s Private Credit portfolio?

Accepted Answer

Private Credit is a USD-denominated income-generating portfolio only available to Reserve clients (Accredited Investors).
Private credit involves the provision of debt capital by non-bank entities, including private equity funds, hedge funds, and direct lending platforms, to businesses seeking financing. Unlike public credit markets, private credit transactions are not traded on public exchanges, and terms are negotiated directly between lenders and borrowers. This alternative form of lending typically targets companies with limited access to traditional bank loans, offering more flexible terms, higher interest rates, and customised structures that may include mezzanine financing, senior secured debt, or other non-traditional debt instruments.

Question 45

What’s the minimum investment I have to make to invest in Private Credit?

Accepted Answer

The minimum investment is $20,000 USD for the initial Private Credit subscription. Subsequent subscriptions have a minimum of $5,000 USD.

Question 46

How many subscriptions can I make?

Accepted Answer

There is no maximum amount of subscriptions that an investor can make. You can choose to subscribe to a new amount every month as long as your current NAV in the fund is above $20,000 USD.

Question 47

How are the investments legally structured?

Accepted Answer

By participating, you appoint Pacific Trustees (regulated by MAS) as a bare trustee to hold the investments on your behalf under a nominee account structure. In other words, Pacific Trustees will be the nominee shareholder in the funds for shares held on behalf of all StashAway Private Credit investors.
In turn, the fund in question will be the nominee shareholder in the companies for shares held on behalf of all investors in the fund. Pacific Trustees will retain a ledger with all of your holdings.

Question 48

Can I withdraw or cash out my Private Credit Investments at any time?

Accepted Answer

There is an initial one-year lock-in period from the commencement date when you first invest in our Private Credit. After the one-year lock-in, you can withdraw your funds invested on a monthly basis (subject to a liquidity gate of 5% of the total NAV of the underlying fund).

Question 49

Where are my funds held?

Accepted Answer

Your funds will be invested in an open-ended Private Credit fund managed by Hamilton Lane. It is an all-weather senior private credit evergreen vehicle intended for investors seeking potential stability and yield during both favourable and unfavourable market conditions. The fund offers investors access to a diversified, multi-manager portfolio with immediate capital deployment and options for monthly liquidity.

Question 50

What are the fees to invest in Private Credit?

Accepted Answer

StashAway’s management fee is 0.5% p.a. + GST on the Net Asset Value (NAV) of your portfolio. The underlying fund has a management fee of 1.25% p.a. on net investment income and realised capital gains.

Question 51

How does Private Credit income (distributions) work?

Accepted Answer

The yield represents the periodic interest payments made by the borrower. The yield rate is expressed as a percentage of the loan amount. This rate is the interest income the investor will receive quarterly.
Payouts will be distributed quarterly (in January, April, July and October). Investors can choose to have the distributions paid out or reinvested.

Question 52

Are investments into Private Credit taxable?

Accepted Answer

Any profits you make from Private Credit investments would be considered capital gains belonging to you. Therefore, you are responsible for all tax consequences, reporting requirements, and payment obligations.
StashAway does not manage tax risks, so we recommend you seek advice from a third party for the tax implications of investing in Private Credit.

Question 53

What happens to my Private Credit investments if StashAway gets acquired, goes public, or closes down?

Accepted Answer

Nothing happens to your investments if StashAway gets acquired, goes public, or closes down. Citibank serves as a custodian of funds, where your funds are completely segregated from StashAway’s company account. In addition, the shares held in companies or the units of the underlying fund(s) are held by Pacific Trustees (licensed by MAS) as a bare trustee on your behalf. The trustee will continue to safeguard them if the situation were to arise.

Question 54

When is the monthly deadline for subscribing to or redeeming from Private Credit?

Accepted Answer

As subscriptions to the underlying fund happen once per month, the funds you wish to invest in Private Credit must be with StashAway by the 15th of each month (the “cut-off date”). This ensures we can invest your funds within the same month. If StashAway receives the funds after the cut-off date, your funds will be invested the following month.

Question 55

When can I withdraw or cash out my investment? In which portfolio can I expect to receive the funds?

Accepted Answer

There is a one-year lock-in period of funds when you first invest in our Private Credit. After the one-year lock-in, you can withdraw your funds invested on a monthly basis.&nbsp;
Net redemptions (the aggregate value of redemptions less the aggregate value of subscriptions as accepted by the General Partner) may be limited to 5% of the total NAV of the fund per quarter. Redemption proceeds will be processed following the publication of the previous quarter’s NAV.
You can choose to receive your quarterly redemptions/withdrawals in your USD Cash Yield portfolio or your designated USD Bank Account.

Question 56

How do I start investing in Private Credit?

Accepted Answer

Contact our Wealth Advisory team to get started.

Question 57

How do I invest in crypto as a Reserve client?

Accepted Answer

You can invest a small portion of your General Investing portfolios (including those that are SRS-funded) in crypto based on the risk level you choose. Depending on the StashAway Risk Index (SRI) you choose, you will get between 1-12% exposure to crypto through two high-quality, institutional-grade ETFs that invest in Bitcoin (BTC) and Ethereum (ETH) – the two most liquid and widely-adopted digital assets. Because of the high risks and volatility associated with the crypto market, the SRI for General Investing portfolios with crypto are higher than that without crypto. You can read more about SRI here

Question 58

Do I need to create a new portfolio to add crypto?

Accepted Answer

Not necessarily, you can add crypto to your existing General Investing portfolios (including those that are SRS-funded). After you do so, your portfolio will be automatically rebalanced to the new allocations, including the crypto ETFs.
It is important to note that choosing to add crypto to an existing General Investing portfolio will increase its risk level, as measured by the StashAway Risk Index.

Question 59

Does adding crypto increase the risk of my portfolio?

Accepted Answer

Yes, adding crypto to your General Investing portfolios (including those that are SRS-funded) will increase the risk of your portfolio. Before you confirm adding crypto, we’ll inform you of the new StashAway Risk Index (SRI). Always be mindful about the level of risk that is appropriate to you given your financial situation and tolerance for risk.

Question 60

What are the fees for investing in crypto?

Accepted Answer

The management fee for our General Investing portfolios (including those that are SRS-funded) applies even when you include crypto in them. See pricing.

Question 61

How much crypto exposure can I have?

Accepted Answer

Based on the StashAway Risk Index you select for your portfolio, we’ll allocate between 1% and 12% of your portfolio to crypto. We limit the maximum allocation because crypto is inherently a risky asset class.

Question 62

Where are my funds with crypto exposure held?

Accepted Answer

We keep the funds in a separate trust account with Saxo Capital Markets Pte Ltd, who serves as a safe custodian of funds. These funds are fully segregated from StashAway’s primary holding account.

Question 63

Can I remove my crypto exposure at any time?

Accepted Answer

Yes, you can remove your exposure to crypto at any time in your app by selecting the portfolio with crypto and toggling the slider that says ’Include crypto. It will take 2-3 working days to rebalance and remove the crypto exposure completely.

Question 64

What are the criteria to become an Accredited Investor (AI)?

Accepted Answer

If you meet any of the below criteria, and you choose to be recognised as AI, you qualify as an AI at StashAway. This is subject to StashAway's verification that you meet the prescribed thresholds below.
Income in the preceding 12 months is not less than $300,000 SGD (or its equivalent in a foreign currency); or
Net financial assets (net of any related liabilities) exceed $1 million SGD (or its equivalent in a foreign currency); or
Net personal assets exceed $2 million SGD (or its equivalent in a foreign currency), but net equity of primary residence capped at $1 million SGD of the $2 million SGD threshold.

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