1. Usual maximum sales charge at dollarDEX, as a general guideline only. Exceptions do apply, and the sales charge could be up to the maximum indicated in the fund prospectus. Exceptions include: payment by credit card; when fund prospectus or fund manager requires a higher minimum charge; during new fund launches; funds in currencies other than SGD; specialised products for accredited investors; other situations. Other additional transactional or performance-related fees may also apply, levied by fund manager, custodian or dollarDEX. Check prospectus and fund summary page at dollarDEX. The charge calculation requires you to sign in, and is usually dependent on your client category, payment method, prevailing GST rate and/or special promotional rates that may apply from time to time. Because charges for each investment are customised for each client the actual charge can only be shown in the confirmation page before a transaction is made. If in doubt, please contact us before you invest.

2. Peer-to-peer switch, which generally, but not always, means equity-to-equity, bond-to-bond. The actual switch fee is calculated using the difference in the dollarDEX standard sales charge of the two funds to be switched, and seeing whether you are going from high-to-low or low-to-high. For example, going from an equity fund at standard sales charge of 2% to another equity fund at standard sales charge of 2% will cost 0% as there is no difference in standard sales charge; going from an equity fund at standard sales charge of 2% to a bond fund at standard sales charge of 1.5% will cost 0% as this is high-to-low; switching from a money market fund or cash account will be the full sales charge of the new fund; switching from a bond fund at standard sales charge of 1.5% to an equity fund at standard sales charge of 2% will cost 0.5% as this is low-to-high. The number of free peer-to-peer switches may be varied from time to time but is currently 20 per customer per quarter. Switches done beyond this quota will be charged at the higher of 1% or the difference in the standard sales charge of the two funds to be switched. Clients under Gold advice enjoy unlimited peer-to-peer switching. Switches done under VAP are excluded from the quota count.

3. Unless indicated these are annual fees. Optional services require you to activate the service. By default you will NOT be opted-in to these services. The ongoing advice fee will be charged on a quarterly basis, or part thereof, on the average unit holdings of your account based on the end-of-quarter valuation. For the purpose of calculating the advice fees, the average advice fee percentage will be used. The advice fee percentage selected for a new investment will be averaged with the advice fee percentage of existing investments (based on the value of the new and existing investments on the date of the new investment) to derive the average advice fee percentage. Fees may be deducted via your nominated credit card or Navigator may redeem your investments from the least volatile funds in which you have invested, as determined by Navigator. There is a minimum charge period of one quarter. 5 working days notice is required to make changes in services.

4. Portfolio size calculated by looking at total investments held via dollarDEX including 100% money market funds, cash balance and 100% transferred units. Based on current, confirmed holdings but original amount of investments. For example, an investment of $70,000 that drops to $66,000 because of market movements will still count as $70,000. But if client sells 50% of the holdings it will count as $35,000. Clients whose portfolio size drops below the qualifying amount will drop down to the applicable client category and will pay fees and charges according to those applicable in the new category. For example, if your investments via dollarDEX were $60,000 and you redeemed $20,000 you would lose your Private Client status and your sales charge would be up to 2% on your next investment. Holdings not yet fully confirmed and completed are not counted. For example, if your holdings are $40,000 and you have a pending, unconfirmed investment of $15,000 your portfolio size will be counted as $40,000 until the $15,000 investment has the price and number of units confirmed.

5. CPF and SRS investments are automatically transacted under the CPFIS Investment Administrator scheme. This potentially cuts down on the amount of agent bank fees you need to pay when investing CPF/SRS money. More details in the link below.

6. Credit card may be used online for most funds but sales charge discounts are lower (up to 2.5% lower).

7. RSP (Regular Savings Plan) sales charges are based on the portfolio size at the point the monthly investments are auto-generated by our system, which is around three weeks before the transaction date.

dollarDEX reserves the right to change these fees, terms and conditions without notice.