Tier 3 - Investment Know-How

In this first part of our 3-part series on investing, we introduce you to the common mistakes made by retail investors, and provide you with tips on understanding your investment objectives. For more details, please click here.

Do you know the importance of time horizon in investment? In this second part of our 3-part series on investing, we explain the importance of time horizon in investment and some common mistakes that investors should avoid. For more information, please click here.

Do you know what are the risks and return involved in your investments? Our final part of the 3-part series seeks to explain the concepts of risk and return and how you can use these tips to assist you in managing the risk and return of your investments. Click here to find out more.

Do you know what switching is? Do you know what are your rights and responsibilities as a consumer? Read about how a consumer became a victim of undesirable switching and find out what you can do to protect your interest.

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.

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.

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.

Unit trust prices and performance tables are published regularly in various media. MoneySENSE brings you through a sample of published information and explains some of the technical terms.

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.

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.

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. Click here (PDF, 27.9KB) to find out more.

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.

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.

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.

In addition, you can also refer to the following for more information on SGS

• SGS Brochure (English, PDF, 1.52MB) (Mandarin, PDF, 1.36MB)
• FAQs on SGS for Retail Investors
• SGS website
  

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.

Interested in using Contract for Differences (CFD) for investments? Read on to find out what is CFD, the benefits and risks involved and key questions to ask yourself when considering to invest in a CFD.

Many of us may have heard of the term "Structured Warrant". But do you understand how it works? To find out more about benefits and risks in investing structured warrants, click here.

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