Aberdeen Standard Fixed Maturity Fund

April 2021 Tranche - APPLICATION CLOSED

3.63% p.a. indicative gross return. Get over 15% p.a. return with financing!

Indicate your interest by 2 April 2021

Key features for Aberdeen Standard's
Global Bond Fixed Maturity 2025 Fund 
Apr 2021 tranche

Guaranteed Returns

3.63% p.a. gross return

3 year term

4-Year Term

Capital Guaranteed

Average Investment grade credit rating


SGD Hedged Investment

InsureDIY Online Application


Why Apply for SICAV IV - Global Bond Fixed Maturity 2025 Fund

The Global Bond Fixed Maturity 2025 Fund (“The Fund”) has an attractive indicative gross yield of 3.63% p.a over a fixed 4-year period. If you have taken out an equity loan on your property,  take advantage of the yield differential to boost your returns to over 15%! (See example below)  

Why use financing to subscribe to Fixed Maturity Funds?

  • There is an expected yield differential between the Fixed Maturity Funds and the loan rate, so using financing to subcribe to The Fund means that you could get a return in excess of your loan rate and generate positive cashflow.
  • The Fund is designed to pay out regular dividends so that you will have liquidity for loan repayments.
  • Downside risk is closely managed through diversification. Holding bonds with a short duration to maturity, close to the 4 year period of the fund, reduces interest rate volatility.

The Initial Offer Period has now started. If you are keen to subscribe, please indicate your interest above by 2 April 2021. 

Note that The Fund is classified as a Specified Investment Product and is available to Accredited Investors only or if you invest at least $200,000.

Fixed Maturity Funds are usually available through private banks only. InvestDIY is proud to be the exclusive distributor in Singapore offering this tranche of Aberdeen Standard Fixed Maturity Fund!  

Have a question you need answered?  

Email us (best way to reach us): [email protected]

WhatsApp us: +65 9151 5963 (Mon to Fri:  9am - 5pm) 

How to Apply


Indicate your interest above by 2 April 2021.

next arrow
receive notification

We will invite you to fill an online application form after we review your eligibility.* You will be setting up an account with FAME during the application.

next arrow
fund the account

Transfer your funds into the trading account by 6 April 2021.

next arrow
authorise the trade

You will receive a notification to authorise the trade. Please authorise it in order to proceed.

Note: The Information Memorandum and all relevant documents will be emailed to you after you complete the online application form (Step 2 above). 

seniors playing chess


How Does Financing Increase Your Returns?


Financing is commonly applied to Fixed Maturity Funds to boost returns because of the expected yield differential. Check out the Case Study below to see on how this works. You may already have an existing equity loan on your property that is only earning you fixed deposit rates which is lower then the loan rate.


Case Study - Maximise returns on your equity loan

Ms. A, wants to invest $15,000 in The Fund. She recently took out an equity loan of $200,000 on her property and the cash is currently only earning a fixed deposit rate of 0.5% p.a. She would like to make her money work harder and decides to invest a total of $215,000 in Aberdeen's Fixed Maturity Fund.



Ms A

Ms. A

Ms. A's $200,000 is currently earning a fixed deposit rate of 0.5% p.a. and she is paying a loan interest of 1.2% p.a.. So she is effectively "losing" 0.7% p.a. (1.2% - 0.5%) of the value of her equity loan over time.

next arrow


Ms A

Ms. A

Ms. A decides to invest the $200,000 from her equity loan into The Fund and additional cash amount of $15,000.

Each year, she gets $2,609.50 in dividends net of fees and loan interest repayments+

Total Investment Amount


Cash outlay without financing


Expected dividend over 4 years after fees and loan interest repayment


($2,609.50 x 4 years)


(Based on cash outlay and high dividend from total investment)

17.4% p.a.+

+ Assuming 3.63% p.a. gross return on The Fund, less ongoing fund charges of 0.7% p.a., wrap fees of 0.6% p.a. and loan interest assumed at 1.2% p.a.. Returns are not guaranteed and your loan interest rate may differ from the illustration. Your final return will also be dependent on the ratio of your cash outlay and amount invested from financing. Portfolio financing is available with your unit trusts with iFast. See Case Study 2.


SICAV IV - Global Bond Fixed Maturity Fund
2025 Details


The Fund has a 4-year term provides an indicative gross return of 3.63% p.a.


Key Facts
Fund date inception 12 April 2021
Maturity date 4 years from inception
Subscriptions/redemptions Closed for subscriptions after inception; Daily liquidity for redemption
Redemption Penalty

Yes, a redemption charge or dilution adjustment will apply. **

Ongoing charge (SGD Hedged)

70bps p.a.

Wrap fee p.a.

AUM at or below S$500,000: 60 bps p.a.

AUM above S$500,000: 50 bps p.a.

Platform fee p.a.

With portfolio financing on iFast:

First S$100,000: 28bps

Next S$150,000: 25bps

Next S$250,000: 20bps

Above S$500,000: 10bps

AUM above S$1m with iFast: Waived 

Without portfolio financing on FAME:



Here are some common questions about SICAV IV - Global Bond Fixed Maturity Fund

1. Will the fund definitely launch?

The fund will launch only if there is a total minimum amount of US$100m from all its investors. So there is a chance that the fund will not launch.


2. What happens to my money if The Fund is not launched?

Your monies will be returned to your trading account with no penalties.


3. I already have a FAME account tagged to InsureDIY. Do I need another account?

No, you do not need to set up another account. However, if you intend to invest less than S$200,000 in The Fund, we will request documentation from you to evidence that you are an Accredited Investor.


4. Why do I have to apply for a wrap account? I already have an account with FAME with another advisor.

* You will be asked to complete the online application form when the Initial Offer Period starts. As part of the application, a wrap account will be opened for you.

The platform is authorised to collect monies during the Initial Offering Period and to execute trades with fund managers like Aberdeen Standard. Your monies will be held in custody in trust. We do not collect your funds or handle your money directly.

As we are working with Aberdeen exclusively to distribute The Fund in Singapore, you would need to open a FAME account that is tagged to us so that we can help to execute the trade. The Fund is not available through any other distributor in Singapore.


5. Is the return or capital guaranteed?

The Fund invests in about 50 issuers to ensure that it is not overly exposed to any one issuer. While this reduces the risk of defaults, both the return and capital are not guaranteed for this product and the value of the units in the scheme and the income accruing to the units, if any, may fall or rise.


6. What is the minimum and maximum invesment amounts?

The minimum invesment is S$20,000. There is no maximum investment amount. 


7. Is there a penalty if I redeem my funds during the 4-Year period?

** The penalty is either the redemption charge or the dilution adjustment. The redemption charge is as follows:

Years to Maturity Date Redemption charge as a percentage of relevant share price (maximum)
4 2.0%
3 1.5%
2 1.0%
1 1.0%


If the sum of:

(a) any dealing charges; and/or

(b) any bid/offer spread applied 

is greater than the redemption charge, then the dilution charge will be applied. Please see details in documentation that will be provided during the Initial Offering Period.


9. Do I qualify as an Accredited Investor? Are only Accredited Investors allowed to invest in The Fund?

You would qualify as an Accredited Investor if:

  • Your income in the last 12 months is not less than $300,000; or
  • Your financial assets (net of related liabilities) exceeds $1m; or
  • Your net personal assets exceed $2m.

As required by the regulations, we will be requesting documentary proof of the above before you can proceed to invest in The Fund. 

In addition to Accredited Investors, you can also invest in The Fund if your investment amount is at least $200,000.


10. When should I be thinking about investing into such fixed maturity funds?

If you are keen on savings or investment products and have enough assets such that this investment is not a substantial part of your portfolio, you can consider investing in fixed maturity funds.

In addition, there should not be any factors that are expected to impact you net assets significantly. e.g. expect to use the funds to purchase property soon.

This product provides an indicative return that is higher than guaranteed return products and fixed deposits, but it also has no guarantees.


InvestDIY is a brand under InsureDIY. InsureDIY is a Broker licensed by the Monetary Authority of Singapore and is an Exempt Financial Adviser. This advertisement has not been reviewed by the Monetary Authority of Singapore.

The materials and information on this site (the “contents”) are current at the date of publication and are provided on an "AS IS" basis. InsureDIY makes no representation or warranty, whether expressly or impliedly, as to the adequacy, completeness, accuracy or timeliness of the contents for any particular purpose.

All return figures and other statistics shown above are for illustrative purposes only. Actual returns will vary greatly and depend on various factors and involves risk. It is important to note that the capital value of investments and the income from them may go down as well as up and may become valueless. Some of the statements contained in this website may be considered forward-looking statements which provide current expectations or forecasts of future events. There is no assurance that the conditions described in this website will remain in the future and actual results may differ materially.

The contents are for general circulation and information only. They are not made with regard to the specific investment objectives, financial situation and the particular needs or personal circumstances of any particular person who may receive them. They should not be relied upon as financial advice. You should obtain independent verification of the contents and seek professional advice before making an investment based on them. You should carefully consider whether any investment views and investment products/services are appropriate in view of your investment experience, objectives, financial resources and relevant circumstances or seek financial advice.

PLEASE READ the prospectus and PHS carefully before investing.

Commissions, handling fees, wrap fees and platform fees will be charged. In no event shall InsureDIY be liable to any party for any damages, claims, expenses or losses of any kind (whether direct, indirect, special, incidental, punitive, exemplary or consequential or otherwise) arising from or in connection with any use of or reliance on the accuracy, suitability and completeness of the contents.

Any transactions over the Internet may be subject to interruption, transmission blackout, delayed transmission due to Internet traffic, incorrect data transmission and/orthe public nature of the Internet. InsureDIY is not responsible for any use or damage arising from system, server or connection failure, error, omission, interruption, delay or failure in transmission, computer virus or other malicious, destructive or corrupting code.