Personalised portfolio
Invest in what fits your values and financial goals
Your portfolio is unique, just like you
Ling dreams of retiring early so she can do what she wants and focus on what matters to her. She wants to put in the hard work now and save, so she can pursue her dreams at age 55 in 2045. She has a long time horizon and wants a portfolio that maximises return in the long run.
Portfolio composition
Ling wants an overweight of equities as this should give her a greater return over time. She chooses the Asian Growth style, which is dominated by Asian equities, as she believes these will grow exponentially over the next 10+ years. Ling will create a portfolio where she can start to draw down in 2045, as she hopes to retire at the age of 55.
A young, married couple who love life, Josh and Sandra haven’t saved much. They believe that investing their money in a new property in mid 2028 is right for them and there will be two downpayments to be made before moving in. They have a medium time horizon and thus are willing to take some risk. Still, they want to protect their investments from rough times in the market.
Portfolio composition
Josh and Sandra choose a somewhat balanced portfolio, but still with more equities than fixed income. They choose to activate SaxoWealthCare’s Portfolio Protector for 80%. Josh and Sandra choose the Global Growth style.
The Tans are expecting a baby. They want to be able to buy strollers, cots and the rest. They also want to prepare for everything, from university fees to the inheritance they ultimately leave their kids. They are willing to take some risk to get a higher return as they have a long time horizon, which means that their expected risk-adjusted return should be higher.
Portfolio composition
The Tan family chooses a significant overweight of equities in their portfolio. This portfolio will generate a relatively high return. The portfolio’s value will fluctuate, but the fixed income component will dampen that. The Tans choose the Asian Growth style, as they like investing in companies that they know.
Wei Min has big plans to take his family on an African safari and a road trip in Europe, both before the end of 2028. He wants to get a return but doesn’t want to risk his funds either. So, he creates a balanced portfolio. He expects to make two drawdowns from his portfolio, one for each trip and afterwards keep the portfolio going to keep saving for new trips.
Portfolio composition
Wei Min chooses the Global Growth style. To make sure his portfolio is cushioned from the worst falls, he activates SaxoWealthCare’s Portfolio Protector at 90%.
Faye is ambitious about everything. What has helped Faye become who she is today is her drive and passion. She’s also passionate about the environment. She wants to make a difference. That's why she opts for a sustainable investment strategy where her money is invested in some of the companies that share her passion for making a positive difference in the world.
Portfolio composition
Faye has chosen SaxoWealthCare’s Sustainable Growth style, which focuses on investing in companies with the highest ESG ratings. She also wants her portfolio to consist of primarily equities to go for a high return over time.
Why choose SaxoWealthCare?
You pay us less so you can keep more of your returns
SaxoWealthCare gives you personalised wealth management at a fraction of the price of traditional banks and wealth managers, competitive with robo-advisors. What’s more, as an early-bird bonus, until 31 July 2022, you will receive our lowest rate - usually available for investments over SGD 1M – regardless how much you invest. Here’s an overview of the cost based on your level of investment.
Minimum initial investment amount: SGD 3,000
Fees are based on your investment amount.
| Investment amount | Until 31/07/22 | After 31/07/22 |
| First SGD 50,000 | 0.45% | 0.75% |
| Next SGD 50,000 | 0.45% | 0.70% |
| Next SGD 100,000 | 0.45% | 0.60% |
| Next SGD 800,000 | 0.45% | 0.55% |
| Above SGD 1,000,000 | 0.45% | 0.45% |
Depends on the product mix included in your personalised portfolio.
This fee is levied by the fund managers and is included in the market price of the ETFs which make up your portfolio.
Your total costs are only made up of the management fee and product fee, nothing else.
When you create your investment plan you will also get a detailed overview of expected costs, taking into account your personalised portfolio and an expected average growth of your investments.
When you create your investment plan you will also get a detailed overview of expected costs, taking into account your personalised portfolio and an expected average growth of your investments.
More reasons to choose SaxoWealthCare
Responsible investing
The portfolios have a higher ESG (environmental, social and governance) rating than the stock market average.
Extra protection options
Activate your Portfolio Protector feature to safeguard part of your investment in periods of market volatility.
No experience needed
Simply tell us your goals, then we use smart investment automation and the expertise of leading asset managers to do the rest.
No lock-in period
We know even the best plans can change. That’s why you can withdraw funds or update your goals anytime, for free.
Sign up online
Apply in minutes, using your Singpass via Myinfo
Build your investment plan
Set your goals, investment preferences and risk profile, then fund your account
Sit back and relax
Let us take care of your portfolio. Just check in when you want and update if needed.
Any questions?
This is the plan we create based on your input about financial goals (buying a house in five years, retiring two years early etc.), how much money you want to invest, what type of 'equity style' you'd like to invest in, and how much risk you’re willing to take. We turn all these variables into a plan proposal we make for you. If you approve it, we build the corresponding investment portfolio mix and start investing your money.
The minimum investment amount is SGD 3,000.
There is no minimum investment period; you can withdraw your money or delete your account anytime, for free. However, we create all investment plans with at least a three-year horizon and recommend this as a minimum period for your investment to pay off.
There is no minimum investment period; you can withdraw your money or delete your account anytime, for free. However, we create all investment plans with at least a three-year horizon and recommend this as a minimum period for your investment to pay off.
You can adjust your investment plan whenever you want, from your account dashboard. Once you submit your changes you will receive an updated investment proposal for approval. Within three working days of your approval, we will update your portfolio accordingly (if needed).
We use exchange traded funds (ETFs) as investment instruments. In collaboration with reputable asset managers, we have compiled a collection of stocks and bonds ETFs that we can mix and match to suit your investment plan and risk profile.
Because your portfolio is unique, so are your potential returns. When we build your investment plan we use a prognosis tool to show expected returns for various scenarios. Based on these expectations you can approve or decline the investment plan we built for you.
If needed, we can automatically update or rebalance your portfolio every working day. We do this if there are market movements or goal changes that the portfolio needs to be adapted to.
Saxo Capital Markets manages the portfolio allocation (the division between stocks and bonds ETFs), which is updated automatically on your behalf based on your investment preferences and market movements. The underlying ETFs that your portfolio is made up of are managed by industry leading asset managers.
Yes. In the signup stage you choose which type of account you want to use. The investment process is the same regardless of your account type.
You can set up recurrent deposits through the bank account you want to transfer from, which will then be invested in accordance with your investment plan once your funds have been received and booked to your account.
Saxo Capital Markets is regulated by the Monetary Authority of Singapore. As such all client funds are protected and kept in a segregated client funds account, separate from the company’s own money and assets.
No, you don’t need to open a new account to start an investment plan in SaxoWealthCare. Simply log in to the platform and click 'Portfolio' to get started with SaxoWealthCare.
Visit our Support centre for more FAQs.
270,000+
Daily trades
850,000+
Clients
95 Billion+
USD assets under management
20 billion+
USD daily trade volume