What we offer
An investment portfolio that's made for you
Whatever your objectives are - be it for your retirement, children's education fund or wealth accumulation - make sure that your investments are a good match for your risk profile.
New to investment?
Leave it to the experts to recommend an investment portfolio that has the projected returns you need within your risk tolerance.
How does the dollarDEX investment portfolio work?
What is your investor profile?
Putting money into your funds on a regular basis is a smart way to invest as you dont have to worry when the best time is to invest. But there is more than one way to regularly invest. Investing a regular amount each month allows you to ride out price fluctuations, unlike a lump-sum investment which is at the mercy of market timing.
Regular savings plans (RSPs)
With these plans, you simply set a fixed monthly investment amount ($1,000 a month for example) which will be deducted from your bank account and invested into your selected funds. If the stock market is down one month, then your $1,000 buys you more units. And if it’s up another month, then your $1,000 will buy you less units. It’s also known as dollar cost averaging.
Value averaging plans (VAPs)
Value averaging plans (VAPs) offer a new and different way to invest. While you still make a regular monthly investment, the amount is not fixed and can fluctuate month to month. This is because the investor sets a target growth rate at the start of the plan. Each month his monthly contributon may be adjusted to make sure he is on course to hit his growth rate.
For example let's say you have $10,000 in a portfolio of funds and your target is to grow the portfolio by $500 each month. After the first month the assets have grown to $10,600(due to your $500 VAP monthly investment and $100 growth due to a risk stock market). For the second month you want the portfolio to be worth $11,000. So you only need to invest $400($500-$100)due to the gains you made in the first month.
In a month where the stock market falls, you may need to pay more than $500 into your funds the following months to hit your desired growth rate.
With a RSP
You know your monthly contribution but not your final investment value.
With a VAP
You don't know your monthly contribution but you know your final investment value.
Prospective investors are advised to read a fund prospectus carefully before applying for any shares/units in unit trusts. The value of the units and the income from them may fall as well as rise. Unit trusts are subject to investment risks, including the possible loss of the principal amount invested. Investors investing in funds denominated in non-local currencies should be aware of the risk of exchange rate fluctuations that may cause a loss of principal. Past performance is not indicative of future performance. dollarDEX is affiliated with Aviva but dollarDEX does not receive any preferential rates for Aviva products as a result of this relationship. Unit trusts are not bank deposits nor are they guaranteed or insured by dollarDEX. Some unit trusts may not be offered to citizens of certain countries such as United States. Any advice herein is made on a general basis and does not take into account the specific investment objectives of the specific person or group of persons. All prices and values shown on dollarDEX.com are indicative and is based on prices that is from 2-4 dealing days ago. Fund prices are provided by a third-party and clients should not rely on these prices for decision making. dollarDEX does not guarantee any prices or valuations shown, and accepts no responsibility for their accuracy.