Investing your Supplementary Retirement Scheme (SRS) savings – early and regularly- is key to optimising your SRS account. Your SRS account generates an interest of no more than 0.05% each year, which is far from protecting your retirement savings against inflation. To outpace inflation and earn potential higher returns, you need to invest your SRS savings.
UOBAM offers a range of SRS-approved funds that can suit your investment needs.
Achieve stability and capital preservation by investing in the United SGD Fund which offers up to 4.8% p.a.1 returns.
Invest in Greater China’s long-term potential by investing in the award-winning United Greater China Fund which offers up to 6.2% p.a.2 returns.
Invest close to home by investing in the United SG Dynamic Income Fund which aims to offer monthly distributions of up to 6% p.a.3.
Invest in the world’s leading companies that are financially productive by investing in the United Global Quality Growth Fund which offers up to 10.5% p.a.4 returns.
Fund Focus | Are you making the most of your SRS account?
1Source: Morningstar, weighted average yield to maturity as of 31 October 2023.
2Source: Morningstar, 10-year annualised as of 31 October 2023, SGD basis. Performance based on Class A SGD Acc.
3Distributions are not guaranteed. Distributions may be made out of income, capital gains and/or capital. This relates to the disclosed distribution policy as set out in the Fund’s prospectus.
4Based on the Fund’s underlying strategy, Lazard Global Quality Growth. Source: Lazard Asset Management, 10-year annualised performance as of 31 October 2023, SGD terms.
This document is for general information only. It does not constitute an offer or solicitation to deal in units in the Fund (“Units”) or investment advice or recommendation and was prepared without regard to the specific objectives, financial situation or needs of any particular person who may receive it. The information is based on certain assumptions, information and conditions available as at the date of this document and may be subject to change at any time without notice. No representation or promise as to the performance of the Fund or the return on your investment is made. Past performance of the Fund or UOB Asset Management Ltd (“UOBAM”) and any past performance, prediction, projection or forecast of the economic trends or securities market are not necessarily indicative of the future or likely performance of the Fund or UOBAM. The value of Units and the income from them, if any, may fall as well as rise. Investments in Units involve risks, including the possible loss of the principal amount invested, and are not obligations of, deposits in, or guaranteed or insured by United Overseas Bank Limited (“UOB”), UOBAM, or any of their subsidiary, associate or affiliate (“UOB Group”) or distributors of the Fund. The Fund may use or invest in financial derivative instruments and you should be aware of the risks associated with investments in financial derivative instruments which are described in the Fund’s prospectus. The UOB Group may have interests in the Units and may also perform or seek to perform brokering and other investment or securities-related services for the Fund. Investors should read the Fund’s prospectus, which is available and may be obtained from UOBAM or any of its appointed agents or distributors, before investing. You may wish to seek advice from a financial adviser before making a commitment to invest in any Units, and in the event that you choose not to do so, you should consider carefully whether the Fund is suitable for you. Applications for Units must be made on the application forms accompanying the Fund’s prospectus.
Distributions will be made in respect of the Distribution Classes of the Fund. Distributions are based on the NAV per unit of the relevant Distribution Class as at the last business day of the calendar month or quarter. The making of distributions is at the absolute discretion of UOBAM and that distributions are not guaranteed. The making of any distribution shall not be taken to imply that further distributions will be made. UOBAM reserves the right to vary the frequency and/or amount of distributions. Distributions from a fund may be made out of income and/or capital gains and (if income and/or capital gains are insufficient) out of capital. Investors should also note that the declaration and/or payment of distributions (whether out of income, capital gains, capital or otherwise) may have the effect of lowering the net asset value (NAV) of the relevant fund. Moreover, distributions out of capital may amount to a reduction of part of your original investment and may result in reduced future returns. Please refer to the Fund's prospectus for more information.
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