Guides and Articles


Guides

Basics of Personal Investing

 

Guidance Tips for Seniors On Personal Investing

This guide highlights the key areas seniors should consider before investing, and informs seniors of their rights and responsibilities when investing.

 

About Investment Products: What You Should Know 

This leaflet covers tips that consumers should know before making any investment decision.

 

Introduction to Personal Investing

IMAS is a representative body of major investment management firms in Singapore. This Guide (last updated in 2010) provides a general introduction to the concept of personal investment. It touches on topics such as understanding risk and return, diversification, asset allocation and different asset classes such as cash, shares, bonds and unit trusts.

Crowd Funding

Ever wondered what crowd funding is all about? Don’t jump in before reading this guide to understand the different crowd funding arrangements and what to watch out for!

Key Questions You Should Ask Yourself Before Buying An Investment Product

This guide highlights key questions that you should consider before committing to any investment product such as structured deposits, unit trusts, investment linked insurance and life insurance policies.

Key Questions To Ask The Person Recommending An Investment Product To You

This guide highlights key questions that you should ask the person advising you on and selling you investment products such as structured deposits, unit trusts, investment-linked insurance and life insurance policies. 

Structured Deposits

 

Making Sense of Structured Deposits

This Guide will show you some of the features of structured deposits, the risks involved and what consumers should look out for when investing in such products. If you are interested in the actual Guidelines on Structured Deposits, you can access it here.

Making SENSE of Structured Notes

Structured notes have features which are quite different from those of traditional retail products like fixed deposits. This guide highlights key features, risks and important questions to ask before buying a structured note. Click here to read more.

Unit Trusts

 

Making Sense of Unit Trusts

IMAS is a representative body of major investment management firms in Singapore. This Guide helps you understand what unit trusts are and what you should consider before investing in them. It highlights the benefits and risks of investing in unit trusts, what you should look out for in the prospectus and other important information you should know to make sense of your unit trust investment. 

Investing in Specified Investment Products

Specified Investment Products may be more complex and difficult to understand. These products are derivatives, or may contain derivatives. Derivatives usually add complexity to the product's features and risks. This guide explains the safeguards put in place by MAS for consumers, outlines what they can expect from financial institutions when transacting in SIPs, and key things to look out for before transacting in such products.

Consumers Protection (Fair Trading) Act

Inclusion of Financial Products and Services in the Consumer Protection (Fair Trading) Act: How Will This Affect You?

This guide explains how the inclusion of financial products and services in the Consumer Protection (Fair Trading) Act affect consumers. It also highlights what you can do to seek recourse if you have grounds to believe that a financial institution or its representative has not acted fairly in its dealings with you.  

Common Financial Documents

 

MoneySENSE Making Sense of Common Financial Documents Guide

This Guide features financial documents which consumers commonly encounter but often do not find time to read and understand. Attached with each financial document are practical tips on how you can better manage your cash flow, manage your credit, provide for your retirement, protect against the unexpected and invest your wealth.

Dealing with a Financial Adviser
 

Dealing with A Financial Adviser - What to look out for

The Financial Advisers Act (FAA) regulates companies and individuals who advise consumers on investment products. This guide explains how the FAA can help to protect your interests as a consumer and gives practical tips on what you should look out for when you are dealing with a financial adviser. 

Articles

Personal Investing

Get Rick Quick Seminars

Heard of get-rich quick seminars? Click here for a list of things to consider before signing up.

Making Sense of OPERA

A company that wishes to offer shares, debentures, collective investment schemes (i.e. unit trusts) or business trusts to the public must first lodge the prospectus or offer information statement with the Monetary Authority of Singapore. OPERA (Offers and Prospectuses Electronic Repository and Access) can be assessed here. MoneySENSE brings you through information in OPERA's "View all offers" page for Share offers.

Structured Deposits

Making Sense of Your Finances – Structured Deposit Term Sheet (Interest-linked)

A structured deposit (SD) is essentially a combination of a deposit and an investment product, where the return is dependent on the performance of some underlying financial instrument. MoneySENSE shows you what is contained in term sheets for two different types of SDs.

Making Sense of Your Finances – Structured Deposit Term Sheet (Equity-linked)

A structured deposit (SD) is essentially a combination of a deposit and an investment product, where the return is dependent on the performance of some underlying financial instrument. MoneySENSE shows you what is contained in term sheets for two different types of SDs.

Structured Products

Ten Important Questions Investors should ask before Buying a Structured Product

Before you decide whether to invest in a structured product, you should ask your financial institution's sales staff these important questions and get satisfactory answers before making any investment decisions. This initiative is spearheaded by the Securities Investors Association (SIAS) and supported by MoneySENSE.

Life Insurance

Making Sense of Your Finances – Benefit Illustration for Regular Premium Investment-Linked Policy

What do you need to know before purchasing a regular premium investment linked policy? MoneySENSE shows an illustration explaining key terms in the Benefit Illustration for a Regular Premium Investment Linked Policy.

Making Sense of Your Finances – Bonus Statement for your with-profits life insurance policies

If you own a participating life insurance policy, you would have received bonus statements from your insurer. MoneySENSE shows an illustration explaining key terms in such bonus statements.

Making Sense of Your Finances – Benefit Illustration

Do you have difficulty understanding the Benefit Illustration of the life insurance product that you are buying? MoneySENSE shows you what is contained in a Benefit Illustration for a 15-year regular premium participating endowment policy.

Securities Investment

Making Sense of your Finances – SGX Trading Screen

This issue explains how stocks are traded on the exchange and brings you through a snapshot of a trading screen which your dealer would see when putting through an order for you.

Making Sense of Your Finances – IPO Prospectus

A prospectus contains information that you would need to know in order to make an informed investment decision about the company and its shares. Read the prospectus carefully and ensure that the company you are considering is suitable for you and meets your investment needs before you invest in it.

Making Sense of Your Finance - CDP Account Statement

CDP or the Central Depository (Pte) Ltd provides depository, clearing and book-entry settlement services for securities traded on Singapore Exchange Ltd (SGX). You will need to open a CDP account before you can trade in securities listed on SGX. CDP will send you a monthly account statement if there is any movement in your securities account or if there is any dividend paid to you for the month. Otherwise, CDP will send you a half-yearly account statement. MoneySENSE shows you what is contained in your CDP Account Statement.

Bonds

Making Sense of Singapore Government Securities

From 1 Jul 09, investors can bid for Singapore Government Securities (SGS) through ATMs. Read on to find out more about SGS as a class of investment asset.
In addition, you can also refer to the following for more information on SGS

Products Traded on the Exchange

Making Sense of Common Products Traded on the Exchange

In recent years, the stock exchange has begun to offering other products in addition to stocks. These include Real Estate Investment Trusts (REITs) and Exchange Traded Funds. Click here to read about these products and the factors you should consider before investing in these products.

General

Making Sense of Financial Needs Analysis

Do you know what to expect from a Financial Needs Analysis or even why it is conducted? This article provides answers to some common queries about the FNA, and also highlights key things to consider when dealing with your adviser.

Agressive Selling - How to Protect yourself

Have you met with instances of aggressive selling where you do not know how you should deal with the sales person? Read about the tell-tale signs of aggressive selling and how you can protect yourself from being a victim.