Overview

DBS digiPortfolio is a hybrid robo-advisor that pairs DBS's Chief Investment Office strategy with algorithm-driven execution. Portfolios span SaveUp (short-duration bonds at 0.25% fee), Global and Asia ETFs, an Income portfolio targeting 4% p.a. quarterly payouts, and a Retirement glidepath managed with J.P. Morgan Asset Management. You can start from S$100 via recurring savings plans, and all digiPortfolios qualify for DBS Multiplier bonus interest. As Southeast Asia's largest bank, DBS handles custody in-house with no redirection to third-party platforms.

Pros

↑Fully built into DBS digibank, qualifies for Multiplier bonus interest
↑Private banking-grade portfolio management from just S$100 monthly
↑Retirement glidepath portfolio co-managed with J.P. Morgan Asset Management

Cons

↓Only 6 portfolio types, fewer choices than standalone robo-advisors
↓Requires a DBS/POSB account (MCA needed for USD portfolios)
↓No CPF or SRS investment capability

Key Highlights

Welcome Offer
S$68 retirement gift
Get S$68 credited to new Retirement digiPortfolio
Qualify by investing or insuring with DBS
Must claim on digibank app
Glidepath strategy adjusts risk as you approach retirement

Trading Costs
0.25% - 0.75% annual fee
SaveUp Portfolio: 0.25% p.a. (short-duration bonds)
Asia, Global, Income, Global Portfolio Plus: 0.75% p.a.
Retirement: 0.75% p.a., drops to 0.25% p.a. upon retirement
No sales charges, platform fees, switching fees, or withdrawal fees
Fund TER already included in NAV, not charged separately

Assets & Markets
6 portfolio types
SaveUp: Short-duration bonds, 3.58% p.a. portfolio yield
Global: ETF-based, S&P 500 + Europe + Asia, 53.5% since inception
Asia: SGX-listed ETFs, Singapore/India/China focus
Income: 4% p.a. target quarterly payouts
Global Portfolio Plus: Unit trusts with tactical adjustments
Retirement: Glidepath strategy co-managed with J.P. Morgan AM

Why Choose?
CIO-managed portfolios
DBS Chief Investment Office provides strategic oversight
Team previously served private banking clients (S$500k+ accounts)
Quarterly rebalancing based on macro and market views
Retirement portfolio co-managed with J.P. Morgan Asset Management
Active tactical asset allocation adjustments

Regulation & Safety
MAS regulated
DBS Bank Ltd regulated by MAS (Co. Reg. No. 196800306E)
Client assets held in segregated accounts, DBS as custodian
Highest credit ratings from S&P, Moody's, Fitch
Named Safest Bank in Asia and Best Digital Bank Globally
No redirection to third-party platforms for transactions

Account Minimum
S$100 monthly RSP
Regular savings plan from S$100 per month
Lump sum minimum S$1,000 for most portfolios (S$100 for SaveUp)
Global Portfolio Plus requires S$1,000 lump sum
RSP qualifies for DBS Multiplier bonus interest (from May 2025)
No lock-in period, cancel anytime

Key Benefits

Trading Costs

★4.0

▼

SaveUp portfolio charges just 0.25% p.a., among the lowest in market
Standard portfolios at 0.75% p.a., competitive with other robo-advisors
Retirement fee drops from 0.75% to 0.25% p.a. upon reaching retirement age
No sales charges, platform fees, switching fees, or withdrawal fees
Fund TER already included in NAV pricing, not charged separately
Management fees deducted annually from portfolio cash balance
GST applies at prevailing rate on management fees

Platform And Tools

★4.2

▼

Fully built into DBS digibank app and web platform
Same banking login, no separate platform credentials needed
Portfolio dashboard showing market value, performance, asset allocation
Transaction history with settled and pending views
Fund prospectuses and fact sheets accessible in-app
One-click investment and withdrawal, instant fund transfer from DBS account
digiWealth tab for quick access to all portfolio options

Research And Analysis

★4.3

▼

DBS Chief Investment Office provides macro strategy and tactical views
Quarterly portfolio insights published on Performance page
Market review and outlook from CIO team and J.P. Morgan AM (Retirement)
Fund selection rationale explained for each ETF/unit trust in portfolio
Performance reporting with 1Y, 3Y, and since-inception returns
DBS NAV insights newsletter available for subscribers

Mobile Trading

★4.1

▼

DBS digibank app for iOS and Android with full digiPortfolio access
Complete portfolio management: invest, top up, withdraw, close
Real-time notifications for transactions and rebalancing
Biometric authentication for secure access
All features available on mobile matching web platform
Recurring investment setup directly in the app
Retirement portfolio available exclusively on mobile app

Account Features

★4.3

▼

6 portfolio types covering bonds, equities, income, retirement
Regular savings plan from S$100 monthly
Lump sum from S$100 (SaveUp) or S$1,000 (other portfolios)
SGD and USD denominated portfolios available
DBS Multiplier qualification for bonus interest (lump sum S$1,000 or RSP S$100/month)
No lock-in period, flexible top-ups and withdrawals anytime
No CPF or SRS investment capability
Individual accounts only (no joint accounts for digiPortfolio)

Security And Trust

★4.7

▼

Backed by DBS Bank, Southeast Asia's largest bank
MAS regulated with Capital Markets Services license
Highest credit ratings from S&P, Moody's, and Fitch
Client assets held in segregated custodian accounts with DBS
No third-party platform redirection, all transactions within DBS systems
Named Safest Bank in Asia and Best Digital Bank Globally
Regular regulatory audits and compliance checks

Customer Support

★3.8

▼

DBS contact center at 1800 111 1111
Email and phone support during business hours
In-app digibot for common queries
DBS branch network across Singapore for in-person support
Wealth Planning Managers available for financial health checks
English and Chinese language support
Response typically within 24 - 48 hours for email

Educational Resources

★3.5

▼

Portfolio construction methodology explained on website and in FAQs
Quarterly CIO market insights and portfolio commentary
NAV articles on investing basics and robo-advisory concepts
Risk profiling and Customer Knowledge Assessment during onboarding
Fund fact sheets and prospectuses available in-app
Limited webinars or interactive learning content
'Make Your Money Work Harder' tool for investment recommendations

Available Tools

Automation

▼

Dca	✓
Algo Trading	×
Grid Trading	×
Trading Bots	×
Robo Advisory	✓
Sentiment Analysis	×
Social Copy Trading	×
Ai Trading Assistant	×

Portfolio Tools

▼

Tax Harvesting	×
Islamic Account	×
Auto Rebalancing	✓
Dividend Tracker	✓
Economic Calendar	×

Detailed Information

Commission Tiers	No volume-based tiers for management fees Flat fee structure based on portfolio type: SaveUp: 0.25% p.a. Asia, Global, Income, Global Portfolio Plus: 0.75% p.a. Retirement: 0.75% p.a. (drops to 0.25% p.a. upon retirement)
Trading Fees	No transaction fees for portfolio rebalancing Management fee covers all trading activities, rebalancing, and monitoring Underlying fund TER already included in NAV (not additional charge) Fund house management fees range from 0.2% - 0.45% p.a. depending on portfolio No separate commission on ETF or unit trust purchases
Non Trading Fees	No account opening fees No account maintenance fees No platform access fees No withdrawal or closure fees No switching fees between portfolios No sales charges GST applies to management fee at prevailing rate
Deposit Fee	S$0
Withdrawal Fee	S$0
Currency Conversion Fee	Standard DBS FX rates apply for SGD to USD conversion Currency conversion available via digibank before investing in USD portfolios
Data Feed Fees	No separate data fees Portfolio valuation and performance tracking included
Order Modification Fee	S$0
Vip Fee Tiers	No VIP or tiered fee structure Same rates for all customers regardless of investment amount

Maximum Leverage	No leverage available for robo-advisory
Negative Balance Protection	Yes, portfolio cannot go negative (cash-only investing)
Settlement Period	ETF-based portfolios (Asia, Global): up to 5 business days for top-up/withdrawal Unit trust portfolios (Income, SaveUp, Retirement, Global Portfolio Plus): up to 10 business days Closure: 3 - 10 business days depending on portfolio type
Order Execution Quality	Professional portfolio management by DBS Investment Team Quarterly rebalancing when market conditions warrant Best execution policy for underlying ETF/fund trades Cannot submit new orders while pending orders are processing

Stocks Count	0
Etfs Count	0
Crypto Count	0
Forex Pairs Count	0
Product Universe Overview	Discretionary portfolio management investing in ETFs and unit trusts Global Portfolio spans 5,000 - 13,000 securities via UK-listed UCITS ETFs Asia Portfolio: 4 - 7 SGX-listed ETFs covering 200 - 700 securities Income Portfolio: REITs, bonds, and dividend equities SaveUp: Short-duration bond funds Retirement: Diversified unit trusts across equities and fixed income Global Portfolio Plus: Tactically adjusted unit trusts
Geographic Market Coverage	Global: S&P 500, Europe, Asia via UK-listed ETFs Asia: Singapore, India, China via SGX-listed ETFs Retirement: US, Europe, Japan, Asia Ex-Japan equities plus global bonds Emerging markets allocation in certain portfolios Income: Global exposure across dividend equities, REITs, and bonds
Major Markets Details	US exposure via S&P 500 tracking ETFs European equity and bond exposure Japan equity allocation in Retirement portfolio Singapore REITs and equities in Asia portfolio UK-listed ETFs for tax-efficient UCITS exposure in Global portfolio
Emerging Markets Details	China A-shares and India equities in Asia Portfolio Emerging markets debt in Retirement Portfolio fixed income allocation Asia ex-Japan equities in Retirement Portfolio Tactical allocation adjusted by CIO team based on market conditions
Base Currencies Supported	SGD: SaveUp, Asia, Income, Global Portfolio Plus, Retirement USD: Global, Income, Global Portfolio Plus

Trading Platforms Overview	Fully integrated within DBS digibank platform (app and web) Hybrid human-robo management approach Automated processes for rebalancing and monitoring No separate platform login or third-party redirection
Desktop Platform	Web-based digibank internet banking access Portfolio dashboard with market value, performance, asset allocation Transaction history (settled and pending) Fund prospectuses, fact sheets, and CIO insights Top-up and withdrawal functionality
Mobile App	DBS digibank app for iOS and Android Full portfolio management capabilities on mobile Retirement Portfolio exclusively available on mobile app Biometric authentication and push notifications Recurring investment setup and modification digiWealth tab for quick portfolio access
Web Platform	Browser-based access through digibank online Same credentials as banking login Full feature parity with mobile (except Retirement portfolio) Secure HTTPS connection standard
Trading Tools And Features	Portfolio allocation visualization and asset breakdown Performance tracking with 1Y, 3Y, and since-inception views Transaction history with pending and settled sections Risk level selection during onboarding Recurring savings plan setup and modification Portfolio insights and CIO market commentary
Charting And Technical Analysis	Portfolio performance charts over time Asset allocation breakdown visualization Benchmark comparison reporting Historical return data access No technical analysis tools (robo-advisory focus)
Risk Management Tools	Risk level selection during portfolio setup Customer Knowledge Assessment (CKA) for suitability Customer Account Review (CAR) for specified investment products Portfolio diversification across asset classes Quarterly rebalancing to maintain target allocation Glidepath strategy for retirement portfolio adjusts risk over time
Order Types Available	Lump sum investment Recurring monthly investment (regular savings plan) Portfolio top-up Partial or full withdrawal Portfolio closure
Integrations And Api Access	Integrated with DBS Multiplier account for bonus interest Instant fund transfer from DBS/POSB savings and current accounts No external API access available 'Make Your Money Work Harder' tool integration for recommendations
Third Party Platforms	J.P. Morgan Asset Management (Retirement Portfolio co-management) Fund houses for underlying ETFs and unit trusts
Api Rate Limits	Not available
Algo Trading Support	Not applicable for robo-advisory service

Customer Support Overview	DBS contact center at 1800 111 1111 Email and phone support during business hours In-app digibot for automated assistance DBS branch network across Singapore Wealth Planning Managers for financial consultations
Phone Support Hours	1800 111 1111 (DBS hotline) Business hours Monday to Friday Extended hours for banking queries
Live Chat Availability	Digibot available in-app for common queries Live chat through digibank during business hours
Email Response Time	Typically 24 - 48 hours
Languages Supported	English, Chinese
Local Office Presence	DBS Bank headquarters in Singapore Full branch network across Singapore for in-person support
Account Manager	No dedicated manager for standard accounts Wealth Planning Managers available for consultations (speak with us) Professional investment team manages all portfolios
Educational Resources Overview	NAV articles on investing basics and digiPortfolio CIO quarterly market insights and commentary Portfolio construction methodology explained in FAQs Fund fact sheets and prospectuses in-app Risk profiling guidance during onboarding
Beginner Resources	Customer Knowledge Assessment during onboarding Risk profiling to match suitable portfolio Asia Portfolio does not require investment experience assessment (EIP) 'Make Your Money Work Harder' tool for personalised recommendations FAQ section covering getting started, investing, and fees
Webinars And Tutorials	Limited webinar offerings Educational content primarily in written format (NAV articles) Step-by-step invest guides on Retirement Portfolio page
Market Analysis And Research	Quarterly CIO market insights on portfolio Performance page J.P. Morgan AM market review and outlook (Retirement portfolio) Portfolio rebalancing rationale shared via email and in-app NAV insights newsletter subscription available
Demo Account Details	No demo account available Can review portfolio options, factsheets, and returns before investing
Trading Courses	Basic investment education via NAV articles No formal structured courses offered
Tax Reporting Help	Transaction history available on digibank Dividend tracking in portfolio transaction summary No regular statements sent (all available digitally) No specific tax advisory services

Regulation Overview	DBS Bank Ltd regulated by MAS as a full bank Capital Markets Services (CMS) license holder Discretionary portfolio management service Regular MAS audits and oversight No third-party platform involvement for transactions
Primary Regulator	Monetary Authority of Singapore (MAS)
License Number	Co. Reg. No. 196800306E
Investor Protection Scheme	Client assets held in segregated custody accounts with DBS as custodian Backed by Southeast Asia's largest bank Highest credit ratings from S&P, Moody's, Fitch Singapore regulatory framework protection SDIC protection for SGD deposits in DBS bank account (not investment portfolio)
Security Features	Two-factor authentication via DBS Digital Token Bank-level encryption and security infrastructure Same secure login as digibank Biometric authentication on mobile app Regular security updates and monitoring Compliance with Personal Data Protection Act No redirection to external platforms

Commission Tiers

No volume-based tiers for management fees
Flat fee structure based on portfolio type:
SaveUp: 0.25% p.a.
Asia, Global, Income, Global Portfolio Plus: 0.75% p.a.
Retirement: 0.75% p.a. (drops to 0.25% p.a. upon retirement)

Trading Fees

No transaction fees for portfolio rebalancing
Management fee covers all trading activities, rebalancing, and monitoring
Underlying fund TER already included in NAV (not additional charge)
Fund house management fees range from 0.2% - 0.45% p.a. depending on portfolio
No separate commission on ETF or unit trust purchases

Non Trading Fees

No account opening fees
No account maintenance fees
No platform access fees
No withdrawal or closure fees
No switching fees between portfolios
No sales charges
GST applies to management fee at prevailing rate

Deposit Fee

S$0

Withdrawal Fee

S$0

Currency Conversion Fee

Standard DBS FX rates apply for SGD to USD conversion
Currency conversion available via digibank before investing in USD portfolios

Data Feed Fees

No separate data fees
Portfolio valuation and performance tracking included

Order Modification Fee

S$0

Vip Fee Tiers

No VIP or tiered fee structure
Same rates for all customers regardless of investment amount

DBS digiPortfolio

Overview

Pros

Cons

Key Highlights

Key Benefits

Available Tools

Detailed Information

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