Regular Savings Plan

You can now start saving in managed ETF portfolios with insights from BlackRock, with regular contributions from only SGD 100. Access expertly managed portfolios at low cost.

Why open a Regular Savings Plan with Saxo?

  • Simple and smart
    Start saving quickly and easily, and monitor your savings on your phone.
  • Managed by experts
    Portfolios built based on BlackRock's data and insights, comprised of iShares ETFs
  • Cost effective
    Low-cost investing compared to wealth managers, and no exit fees.
  • Dollar-cost averaging
    Buy more when markets are down, reduce the impact of volatility.

Smart saving, inspired by BlackRock

Smart saving, inspired by BlackRock

We’ve partnered with BlackRock, the world’s largest asset manager, to offer you investment portfolios where you can make regular contributions. 

These portfolios – which previously required a minimum investment of USD 10,000 – draw upon BlackRock’s world-class investment data and insights to manage your portfolio, built with the company’s market-leading range of iShares ETFs.

Choose from three risk profiles – Defensive, Moderate and Aggressive – to best suit your investment timescale, targeted returns and risk appetite.

Watch introduction video

Platform fee

No cost to access Saxo’s full capabilities.

Entry fee and exit fee

Add more or withdraw at no cost.

Custody fee

No fee for simply having money with us.

Keep your costs low 

Swipe left or right for more
Annual cost breakdownFee in %Cost of SGD 10,000 investment
Service fee0.75% per annumSGD 75
Transaction costs*N.AN.A
Expected ETF costs**0.23%SGD 23

The service fee is deducted quarterly on a pro rata basis. The minimum investment is SGD 2,000, and you can make regular contributions - monthly or weekly, for example - from SGD 100.

*An estimate that depends on the portfolio activity and investments selected, which may change with time.

**ETFs have a small charge built into their performance, known as the Total Expense Ratio (TER). This is payable to the ETF provider and is not charged by Saxo.

Dollar-cost averaging concept

A dollar-cost-averaging concept (DCA) can allow you to purchase more units at a lower average cost per unit, compared to a one-off lump sum investment. The table below illustrates how you can purchase more units when the price is low. DCA allows you to avoid the need to time the market, which can in turn alleviate any worry when investing your money.

Swipe left or right for more
MonthFinancial product unit priceRegular contributionsUnits boughtTotal units ownedInvestment value
Jan1.00200200200200
Feb0.96200208408392.00
Mar0.77200260668514.42
Apr0.98200204872854.71
May1.102001821,0541,159.37
Jun1.182001691,2231,443.69
Total5.991,2001,2231,2231,443.69

Total contributions over 6 months - SGD 1,200

Average cost per unit bought (SGD1,200/1,223 units) - SGD 0.98

Average price per unit over 6 months - SGD 1.00

Amount saved per unit (SGD1 - SGD0.98) - SGD 0.02 (You pay SGD 0.02 less per unit)

Additional units bought as compared to a lump sum investment of SGD1,200 in Jan - 23

Benefits of investing in RSP

Let global investment experts manage your capital, to save time by investing in portfolios tailored to your risk appetite.

Very competitive pricing. Total expected cost from 0.98%*.

Start small, no lock-in period, no entry, exit, or custody fees, full transparency and flexibility.

Exercise financial discipline, saving on a regular basis to meet your financial goals.

Time in the market can prove more effective than timing the market, and provide reassurance when investing your money.

"By investing over time, investors are basically diversifying the timing risk in regards to the market – i.e. not buying at the top before a huge market crash or bad earnings announcement by a company, and they are likely to win in the long run, be it rain or shine."Adam Reynolds, CEO Asia Pacific, Saxo Markets
Read full article

* Individual pricing details for each portfolio can be found on our website.

*As of 31/12/20. Past performance is not an indicator of future performance. For a full overview of performance click on “Read more”.

Profile Questionnaire
To help us find the best portfolios for you, we ask that you complete your profile before investing. This is a required step in the investment process and only takes a few minutes.

Investment risk
Investing in financial products always involves risk. As a general rule, you should only invest in financial products if you understand the risks associated with them. Investing in a portfolio with currency that differs from the base currency of your account carries the risk of exposure to changes in the rate of exchange between them. See the full Managed Portfolio Disclaimer for more information.

What is the risk and expected return?

Risk and return come hand-in-hand. The more return you target, the more risk you must take.

Performance expected to be considerably lower than stock markets, but also much more stable. In an extreme scenario stock markets could lose 20% or more, whilst Low risk portfolios are expected to lose closer to 5% to 10%. 

Performance is expected to be less than stock markets, but also more stable. In an extreme scenario stock markets could lose 20% or more, whilst Medium risk portfolios are expected to lose closer to 10% to 15%.

Performance of High risk portfolios is expected to be similar to stock market performance. However, in an extreme scenario stock markets could lose 20% or more. This is considered high-risk investing.

Frequently asked questions

Investing in RSP

No, you don’t. Once you’ve invested in a managed portfolio, we will automatically create a sub-account dedicated to that portfolio under your existing Saxo account.

SaxoTraderGO

  1. Open the SaxoTraderGO platform and click the ‘SaxoSelect’ tab
  2. Click the ‘Invest’ button, next to your chosen portfolio
  3. If this is your first time accessing SaxoSelect managed portfolios, you’ll need to complete a set of suitability questions specifically for managed portfolios (this is different from an appropriateness test, which relates to self-directed investing)
  4. Open the trade ticket and enter the amount you’d like to invest

SaxoInvestor

  1. Go to the Markets section, and click on 'Managed portfolio'
  2. Select a portfolio and click the Invest button
  3. If this is your first time accessing SaxoSelect managed portfolios, you’ll first need to click ‘Get started’ to complete a set of suitability questions specifically for managed portfolios (this is different from an appropriateness test, which relates to self-directed investing)
  4. Proceed to the Buy Order ticket and confirm how much you would like to invest.

Yes, you can invest in your choice of portfolios. Please note that each portfolio has its own bank account number which you should use when funding that particular portfolio. Please refer to the funding instructions and bank account numbers in the Funding Instructions section located under Deposits and Transfers, then Bank transfer, in the platform. This is found under the icon of a person’s head and shoulders at the top right in SaxoInvestor, and under the Accounts section in SaxoTraderGO.

Cost

Compared to traditional wealth managers we offer a compelling and cost effective way to have your money managed, with the costs of some of our portfolios being less than half of the cost of an expensive wealth service.

The Costs explained 

Service Fee: This is the fee charged for Saxo to manage your money. It is an annual cost, deducted quarterly on a pro-rata basis. You can find more information on the service fee here.

SGD-denominated portfolios may invest in assets in other currencies, in which case a currency conversion cost of 0.10% per transaction will be incurred.

Expected ETF Costs: If your portfolio invests into ETFs, you should know that the ETF manufacturer takes their charge from within the ETF. This is convenient as it means there are no cash transactions (to the ETF manufacture to cover costs), costs are simply reflected in the performance of the ETF.

Our fees depend on the managed portfolio you choose to invest in.

For an overview of past performance, please refer to below links for each portfolio. Past performance is not an indication of future performance.

https://www.home.saxo/en-sg/products/managed-portfolios/defensive-sgd
https://www.home.saxo/en-sg/products/managed-portfolios/moderate-sgd
https://www.home.saxo/en-sg/products/managed-portfolios/aggressive-sgd
The expected cost of ETFs in the portfolio is 0.23%. This is reflected in the ETF performance and not deducted as a separate fee. There is no additional charges for trading commissions or custody fee. 

Topping up / Funding your RSP

Yes, the initial investment will be paid using your Saxo account main wallet. Subsequent payments – one-off or regular - should be sent via bank transfer using the unique bank account number provided upon your first investment into your portfolio.

After making your initial investment into your preferred portfolio, you will receive a unique bank account number relating to your positions in that portfolio. Please use that bank account number when setting up a regular payment through your bank. To stop making regular payments, simply cancel the instruction through your bank. We have no requirement to maintain regular payments for any length of time.

You can deposit funds via Telegraphic Transfer, FAST, MEPS or GIRO. Please note that regular/recurrent payments cannot be made via PayNow or QR code scan.

Visit our Support centre for more FAQs.

Start investing in minutes

Open an account

If you’re new to Saxo, take a few minutes to submit your application.

Choose your portfolio

Select a portfolio suited to your goals and risk appetite, then complete our short profile questionnaire.

Invest

Confirm your managed portfolio and invest. We will place all the investments for you, in your account.

Talk to our support team
Speak to one of our specialists today and we’ll help you get started.
contact us directly

iShares® and BlackRock® are registered trademarks of BlackRock, Inc. and its affiliates (“BlackRock”) and are used under license.  BlackRock is not affiliated with Saxo Capital Markets Pte Ltd (“Saxo Markets”) and its affiliates.  BlackRock makes no representations or warranties regarding the advisability of investing in any product or service offered by Saxo Markets or any of its affiliates. BlackRock has no obligation or liability in connection with the operation, marketing, trading or sale of any product or service offered by Saxo Markets or any of its affiliates nor does BlackRock have any obligation or liability to any client or customer of Saxo Markets. Saxo Markets' products are managed and provided to you by Saxo Markets and utilise asset allocation guidance provided by BlackRock. BlackRock does not provide any service or product to you.

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