Why the UOB SGD Fund is a Smart Choice for Affluent and Accredited Investors in Singapore
Explore the UOB SGD Fund, a stable, low-risk investment option popular among affluent and accredited investors in Singapore. Discover its strong performance and resilience in uncertain markets.
Introduction
Recently, I had the honour of attending an exclusive event with UOB Asset Management. With only 80 guests, this event celebrated the UOB SGD Fund’s success in surpassing $2 billion in assets under management. Being one of the few invited, it reinforced how truly selective this opportunity is for investors looking for stable, low-risk growth. Here’s why the UOB SGD Fund stands out as a premier choice for both affluent and accredited investors in Singapore.
What Is the UOB SGD Fund?
The UOB SGD Fund, managed by UOB Asset Management Ltd, aims to provide an enhanced yield over typical Singapore dollar deposits by investing in short-term, interest-bearing assets. This fund’s conservative, low-risk strategy has earned the trust of thousands of investors, making it one of Singapore’s preferred choices for reliable wealth growth.
Key Investment Objective:
The fund is focused on providing Singaporean investors with a yield that outperforms traditional SGD deposits through diversified investments in money market instruments and short-term bonds. This makes it an attractive option for those seeking safety and stability.
A Strong Track Record of Performance
The UOB SGD Fund has a remarkable history, delivering positive returns in 24 out of 26 years—including during some of the toughest financial periods in recent history. Here are some highlights:
This impressive track record underpins the fund’s reputation as a stable and reliable choice for those focused on long-term growth.
Annualised Returns (as of September 2024):
- 1-Year: 5.18%
- 5-Year: 1.93%
- Since Inception: 2.93%
With such consistent returns, this fund is popular among affluent investors who prioritise low-risk, reliable growth.
Why Affluent and Accredited Investors Prefer the UOB SGD Fund
With a focus on stability and income generation, the UOB SGD Fund has become a top choice for accredited and affluent investors seeking steady returns with minimal risk.
As one of the few advisors invited to this milestone event, I am proud to be among those who can offer this fund to clients seeking stable, low-risk growth.
Portfolio Composition: Key Sectors and Regional Allocation
The UOB SGD Fund’s diverse portfolio is structured to ensure stability and enhance returns, balancing assets across key sectors and regions.
Sector Allocation:
Country Allocation:
- Singapore: 29.58%
- Hong Kong: 12.41%
- China: 10.10%
- South Korea: 9.32%
This broad allocation is structured to provide steady returns while maintaining low risk—an approach that affluent investors appreciate.
Key Holdings and Credit Quality
The fund’s portfolio includes well-rated, high-quality assets, contributing to its overall safety and reliable returns. Top holdings include:
With a weighted average credit rating of A- and 117 individual holdings, the UOB SGD Fund’s portfolio is optimised for stability, appealing to investors focused on wealth preservation.
Accessible and Flexible Investment Options
Designed with flexibility in mind, the UOB SGD Fund offers multiple share classes to accommodate different financial goals. It also supports investments through cash, CPF, and SRS, allowing affluent investors to access this opportunity across various financial planning pathways.
Key Fund Details (A (Acc) SGD Class):
- Minimum Initial Investment: SGD 1,000
- Annual Management Fee: 0.63%
These accessible investment terms combined with professional management make the fund a flexible and cost-effective choice for Singapore’s affluent investors.
Who Is the UOB SGD Fund Suitable For?
The UOB SGD Fund is particularly well-suited for affluent and accredited investors in Singapore who prioritise:
Awards and Industry Recognition
Managed by UOB Asset Management, one of Singapore’s most respected fund managers, the UOB SGD Fund has been recognised for its quality and performance. UOB Asset Management received the Best Fixed-Income Fund House award from Morningstar Singapore Fund Awards in 2017, highlighting the fund’s credibility and the expertise behind its management.
How the UOB SGD Fund Outperforms Benchmarks
The fund’s performance is benchmarked against rates like the 6-Month Compounded SORA. Consistently, the UOB SGD Fund has provided yields above these benchmarks, offering higher returns than traditional savings options.
Benchmark Comparison (as of September 2024):
- 6-Month Benchmark Yield: 1.82%
- UOB SGD Fund Yield: 3.73%
For affluent investors focused on wealth growth, the UOB SGD Fund presents an effective alternative to low-yielding deposits, enhancing returns while minimising risk.
Conclusion: Why the UOB SGD Fund Is a Top Choice for Affluent Investors
The UOB SGD Fund combines stability, resilience, and expert management, making it an ideal investment for Singapore’s affluent and accredited investors. With 24 out of 26 years of positive returns, the fund stands as a trusted choice for those focused on low-risk, consistent growth.
Investing in the UOB SGD Fund provides access to:
As one of the few advisors privileged to offer this fund, I am excited to help clients build and protect their wealth with an investment that delivers reliability and growth. For those seeking to preserve capital and grow wealth steadily, the UOB SGD Fund remains a top option.
For affluent and accredited investors in Singapore, the UOB SGD Fund is more than just an investment—it’s a reliable partner in long-term financial success, designed to weather economic fluctuations and deliver steady growth.
Investment Disclaimer:
This information is current as of 14 November 2024 and is provided for general informational purposes only. Market conditions, fund performance, and investment strategies may change over time, and this information may no longer be accurate or applicable after this date.
Investing involves risk, and past performance is not indicative of future results. This content is not intended to be a substitute for professional financial advice. I do not guarantee any outcomes or assume liability for any losses that may result from your use of this information. Please consult with a qualified financial advisor to assess your individual investment needs and objectives before making any investment decisions.
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About me
Benjamin Low
Benjamin is dedicated to helping affluent individuals and families not just protect their wealth but enhance it through access to exclusive investments like premium dividend funds, specialised bonds, and private equity. With certifications as both a Certified Financial Planner and a Certified Private Banker, he leverages his expertise to create strategies that go beyond traditional investing—crafting portfolios that align with clients’ personal goals and future legacies.
For Benjamin, wealth management is about more than numbers. It’s about understanding the specific needs of high-net-worth clients and building financial confidence across generations. His approach centres on preserving wealth while identifying opportunities for growth, even in a shifting market, so clients can enjoy today while securing tomorrow.
Benjamin’s clients appreciate his proactive, personalised approach, knowing they have a trusted partner deeply invested in their success. If you’re looking for an advisor who offers insight, exclusivity, and a clear path to financial security, consider working with Benjamin to navigate your wealth journey confidently.
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Disclaimer:
This information is intended for educational purposes and should not be construed as financial advice. Please consult with a professional advisor before making any investment decisions.
Note: The investment described aims to protect your principal from market losses due to its structure. However, ongoing charges and fees may affect the overall performance, and there is a possibility that the investment value could decrease. It’s important to understand all terms and conditions before proceeding.