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Investment Planner

Investment means placing your money to work to earn more money for you. However, investment is never an easy task. You will have to decide the amount to invest as well as develop an asset allocation strategy.

Asset allocation is the process of spreading your investments among different asset classes: equities, bonds, short-term instruments such as money market funds and these asset classes take turn to perform

Different asset class performs at different times

Source: Phillip Managed Account

Asset allocation is the primary determinant of both risk and return in many portfolios. Numerous studies have concluded that the percentage distribution of financial assets (cash, stocks, bonds, international, real estate, venture capital, and other investments) has accounted for much of the variability of a portfolio's return, while market timing and security selection typically account for a smaller percentage. A simple illustration will drive the point across:

This is our optimal asset allocation based on:

Different Type of Portfolio Equity Bond Cash
Conservative Portfolio An investor who regards the need to minimize the chance of capital loss in any year as the most important consideration. He understands that this generally means less exposure to growth assets and will mean lower real returns in the long term. 20% 75% 5%
Balanced Portfolio An investor who seeks a balance between higher returns and the chance of avoiding capital loss. He accepts that this trade off lessens both long term returns and the chance of a loss in any year. 50% 45% 5%
Aggressive Portfolio An investor who pursues higher returns in the longer term by investing in growth assets. He fully accepts that investment returns will vary substantially from year to year and that there is a higher chance of capital loss in any one year.

75%

20%

5%
 
To determine suitable portfolio based on your risk profile, click here
 
CASH
Low Risk Portfolio (Cash)
1 week: 0.23 %
1 month: 1.33 %
3 months: 0.02 %
1 year: 1.06 %
Since Inception (29 Dec 06)-1.38 %
YTD(From 31 Dec 12)0.09 %
Annualized Performance since Inception (29 Dec 06)-0.19 %
The low risk model portfolio is suitable for an investor whose primary objective is preservation of capital and has no or limited investment experience. Liquidity needs is important to the investor and he is only able to stay invested for not more than 3 years. Also, the investor is willing to accept no more than 5% fluctuation in the value of the portfolio.
  Daily Return
(%)
Fund Name
  0.9356
  0.0000
  0.9409
  -0.0101
  -0.0365
  0.4505
  1.6117
  -0.0661
  0.0086
  0.0025
Medium Risk Portfolio (Cash)
1 week: 0.22 %
1 month: 2.40 %
3 months: 0.81 %
1 year: -1.15 %
Since Inception (29 Dec 06)-2.93 %
YTD(From 31 Dec 12)1.31 %
Annualized Performance since Inception (29 Dec 06)-0.41 %
The medium risk model portfolio is suitable for a relatively experienced investor who is looking for moderate growth and diversification. There is no liquidity needs with respect to the investments in the short to mid-term (between 3 to 10 years). Also, the investor is willing to tolerate up to 30% fluctuation in the value of the portfolio.
  Daily Return
(%)
Fund Name
  0.9356
  2.3568
  0.9409
  -0.0101
  -0.0365
  0.4505
  1.6117
  -0.0661
  0.9777
  0.0086
High Risk Portfolio (Cash)
1 week: 0.22 %
1 month: 2.83 %
3 months: 0.06 %
1 year: -3.34 %
Since Inception (29 Dec 06)-12.21 %
YTD(From 31 Dec 12)0.77 %
Annualized Performance since Inception (29 Dec 06)-1.80 %
The high risk model portfolio is suitable for an investor who is knowledgeable and not concerned about short term market fluctuations. The investor can tolerate beyond 30% portfolio fluctuations and has no use of the investments over the next 10 years. The investor is willing to accept significant risk with longer term fluctuation, including possible loss of principal while maximising growth potential of asset.
  Daily Return
(%)
Fund Name
  0.9356
  1.4673
  1.8636
  0.9409
  -0.0101
  0.4505
  1.6117
  0.9777
  0.0086
  0.2591
CPF
Low Risk Portfolio (CPF)
1 week: 0.34 %
1 month: 1.33 %
3 months: -0.68 %
1 year: -1.69 %
Since Inception (29 Dec 06)0.59 %
YTD(From 31 Dec 12)-0.22 %
Annualized Performance since Inception (29 Dec 06)0.08 %
The low risk model portfolio is suitable for an investor whose primary objective is preservation of capital and has no or limited investment experience. Liquidity needs is important to the investor and he is only able to stay invested for not more than 3 years. Also, the investor is willing to accept no more than 5% fluctuation in the value of the portfolio.
  Daily Return
(%)
Fund Name
  0.0000
  2.3568
  1.4673
  3.3886
  -0.0101
  -0.0365
  -0.0661
  -0.0603
Medium Risk Portfolio (CPF)
1 week: 0.28 %
1 month: 1.93 %
3 months: -1.10 %
1 year: -1.57 %
Since Inception (29 Dec 06)-9.68 %
YTD(From 31 Dec 12)-0.58 %
Annualized Performance since Inception (29 Dec 06)-1.41 %
The medium risk model portfolio is suitable for a relatively experienced investor who is looking for moderate growth and diversification. There is no liquidity needs with respect to the investments in the short to mid-term (between 3 to 10 years). Also, the investor is willing to tolerate up to 30% fluctuation in the value of the portfolio.
  Daily Return
(%)
Fund Name
  2.3568
  1.4673
  3.3886
  -0.0101
  -0.0365
  -0.0661
  -0.0603
  0.3621
High Risk Portfolio (CPF)
1 week: 0.31 %
1 month: 2.33 %
3 months: -1.13 %
1 year: -1.03 %
Since Inception (29 Dec 06)-17.52 %
YTD(From 31 Dec 12)-0.72 %
Annualized Performance since Inception (29 Dec 06)-2.65 %
The high risk model portfolio is suitable for an investor who is knowledgeable and not concerned about short term market fluctuations. The investor can tolerate beyond 30% portfolio fluctuations and has no use of the investments over the next 10 years. The investor is willing to accept significant risk with longer term fluctuation, including possible loss of principal while maximising growth potential of asset.
  Daily Return
(%)
Fund Name
  2.3568
  1.4673
  3.3886
  -0.0101
  -0.0365
  2.6151
  -0.0603
  0.3621
 
 Risk Profile
The key driver determining suitable portfolio should be your risk profile or risk tolerance. There are many important factors to consider when determining your risk profile, and doing so it will help you choose the portfolio to achieve your financial goals – while maintaining your peace of mind. Please answer the below risk profile questionnaire to examine!

 1)  How would you describe your risk appetite?



 2)  How would you react to a drop of 15% in your investments in a year?



 3)  Based on your investment objectives, how long do you intend to stay invested?



 4)  How much are you able to save as a percentage of net monthly income (excluding CPF)?



 5)  What yearly returns do you expect from your investments? (higher returns carry higher risks)



 6)  How familiar and experienced are you with investments?



 
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