Aberdeen Standard Fixed Maturity Fund

Apply Early for Next Tranche

Indicative Yield: 3.3% - 3.4% p.a.

 

 

Aberdeen Fixed Maturity Fund


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I am an Accredited Investor by

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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.

Please upload documentary proof (dated within the last 3 months) above. Examples of documentation include:

If your income in the last 12 months is not less than $300,000

  • Latest IR8A form
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If your financial assets exceed $1m or net personal assets exceed $2m

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Assets and/or liabilities held with a bank 1) Bank reference letter with detailed breakdown of assets and/or liabilities (to be printed on bank letterhead),
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Have you transacted at least six (6) times in any SIPs/unlisted SIPs in the preceding three (3) years?
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I CONFIRM that I have provided complete, true and accurate information to be properly assessed in the CKA that I have relevant knowledge or experience to understand the risks and features of the product. I am aware that any inaccurate or incomplete information may affect the outcome of the CKA.

If I am assessed to not have the relevant knowledge or experience in the product in the CKA, I UNDERTAKE to contact a Representative of InsureDIY for further advice.

If I am found to not possess the relevant knowledge and experience in the investment product or have given inaccurate or incomplete information, and I still wish to proceed with the transaction, I CONFIRM that I shall not hold InsureDIY or its Representatives liable for any loss or damage arising from my decision to proceed.

I ACKNOWLEDGE that I have read and understood InsureDIY’s Personal Data Protection Policy and consent to InsureDIY collecting, using, and processing my personal data according to the Policy.

Are you a PEP?

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“PEP” means: (a) a natural person who is or has been entrusted with prominent public functions whether in Singapore or a foreign country, or by an international organisation;(b) family members of such a person; or(c) close associate of such a person. “Prominent public functions” include the roles held by a head of state, head of government, government ministers, senior civil or public servants, senior judicial or military officials, senior executives of state owned corporations, senior political party officials, members of the legislature and senior management of international organisations which are established by formal political agreements between member countries that have the status of international treaties, whose existence is recognised by law in member countries and which is not treated as a resident institutional unit of the country in which it is located. Please provide details as follows: 1) if you or your immediate family member(s) has/have been entrusted with prominent public functions; or 2) you are a close associate of a PEP. 

Would you like to go through a full financial needs analysis?

Note:

Please note that it is your responsibility to ensure that the product is suitable as you have not opted to receive any financial advice.

Note:

We will email you a Know Your Client form. Please complete the form and send it back to sg_service@insurediy.com and our adviser will call you back.

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Declarations

InsureDIY will be entitled to and will receive fee(s) pursuant to the terms of this Agreement. InsureDIY is independent of and not a representative or agent of, or in partnership or joint venture with, Phillip Securities Pte Ltd ("PSPL") and that PSPL has no responsibility and does not accept any responsibility for the actions or inaction of the InsureDIY; and PSPL only provides execution and/or clearing services to the Clients with respect to the Investment Products the Clients will buy and/or sell via the Licensed Technology and all financial advisory with respect to the same is to be secured by the Clients solely from the InsureDIY.

I understand that a fee of 0.6% p.a. will be charged to my wrap account for AUM of $500,000 or less and 0.5% p.a. for AUM above $500,000.

I am proficient in English and  I understand that any inaccurate or incomplete information provided by me may affect the outcome of the Customer Knowledge Assessment.

I am not related to any director, employee or remisier of Phillip Securities Pte Ltd.

I understand that the funds are not guaranteed funds and returns can be negative and I may lose the value of my investment. 

I have been provided with the Prospectus and Product Highlights Sheet. (The links to these documents have been emailed to you and are also available on this webpage.)

I understand that my personal data will be used and transfered to InsureDIY Pte Ltd in accordance with the Privacy Policy, although I understand that InsureDIY Pte Ltd acknowledges that I may opt out of the use of my personal data for direct marketing purposes by indicating as such to sg_service@insurediy.com.

InsureDIY Pte Ltd and its affiliated companies would like to send me information on relevant products and services that may be of interest to me. Often, InsureDIY Pte Ltd or its affiliated companies are able to notify me on promotional prices that will give me good value. I agree to InsureDIY Pte Ltd and their affiliated companies using my personal data (email, telephone number and postal address) for direct marketing of products and services as set out in their Privacy Policy.

I do not wish to complete the Know Your Client (“KYC”) Form and receive comprehensive financial advice. I am aware that I shall therefore not be able to rely on Section 27 of the Financial Advisers Act (Chapter 110) to file a civil claim in the event that I have suffered an alleged loss.

I CONFIRM that I have assessed the suitability of the selected collective investment scheme to my financial circumstances and needs. I accept the financial risks that come with investing in the collective investment schemes.

InsureDIY shall not be liable in respect of any losses, claims, liabilities, costs, charges and/or expenses of whatsoever nature or howsoever arising, including profits or benefits which may be deprived or lost, and legal fees suffered by me. Without prejudice to the generality of the foregoing, InsureDIY shall not in any event, be liable for any direct, indirect, consequential, special or punitive damages and any damages for loss of profits regardless of whether InsureDIY had been advised of or could have foreseen the possibility of such damages.

I understand that I may not have sufficient experience or knowledge of complex investment products for investing in this unlisted Specified Investment Product based on the Customer Knowledge Assessment. As I still intend to proceed to transact in the unlisted Specified Investment Product despite the outcome of the Customer Knowledge Assessment, I undertake not to hold InsureDIY or its Representatives responsible for any resultant loss or damage that I may suffer.

I understand that I may not have sufficient experience or knowledge of complex investment products for investing in this unlisted Specified Investment Product based on the Customer Knowledge Assessment. As I still intend to proceed to transact in the unlisted Specified Investment Product despite the outcome of the Customer Knowledge Assessment, I undertake not to hold InsureDIY or its Representatives responsible for any resultant loss or damage that I may suffer.

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Key features for Aberdeen Standard's
Emerging Markets Bond Fixed Maturity 2024 Fund 
Oct 2020 tranche - CLOSED. APPLY EARLY FOR NEXT TRANCHE.

Guaranteed Returns

3.3% - 3.4% p.a. indicative yield. 

(Gross of 0.2% platform fee.)

3 year term

4-Year Term

Capital Guaranteed

Average Investment grade credit rating

Merlion

SGD Hedged Investment

InsureDIY Online Application

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Why Apply for Emerging Markets Bond Fixed Maturity Fund 2024 - CLOSED

Emerging Markets Bond Fixed Maturity Fund 2024 (“The Fund”) has an attractive indicative USD net yield of 3.3% -3.4% p.a over a fixed 4-year period. Although the returns are not guaranteed, downside risk is closely managed through diversification and holding bonds maturing close to the 4 year period of the fund. The indicative SGD hedged net yield is 3.23% - 3.33% p.a. after allowing of hedging costs.

Aberdeen has an excellent track record with Fixed Maturity Funds with no defaults in the last tranche launched. The last tranche is on track to provide the yield indicated at that time.

Please apply soon if you are keen! We will need to help set up your Phillip Securities trading account tagged to us.

Fixed Maturity Funds are usually available through private banks only. InsureDIY is proud to partner with Aberdeen Standard to offer this product to you! Note that The Fund is classified as a Specified Investment Product. 

Have a question you need answered?  

Email us (best way to reach us): sg_service@insurediy.com

Text us:  +65 8241 0688, Call us: +65 3138 6784 (Mon to Fri:  9am - 5pm) 

How to Apply

1
apply

Apply above (we will set up your FAME trading account with Phillip Securities*.)

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2
receive notification

You will be notified to complete the FAME account onboarding process with Phillip Securities. 

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3
fund the account

Transfer your funds into your FAME trading account.

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4
authorise the trade

Notification to authorise the trade will be sent out.

seniors playing chess

 

Exclusive InsureDIY Promotion

Each DIY$ is worth $1 and can be exchanged for vouchers including InsureDIY vouchers, NTUC Fairprice and Cold Storage vouchers. Or cash out at DIY$500! Check out our rewards catalogue here.

Single Premium Amount Promotion
$300,000 and above DIY$100 + $200 Motor Insurance Voucher
$200,000 to $299,999     DIY$60 + $100 Motor Insurance Voucher
$100,000 to $199,999 DIY$30
$50,000 to $99,999 DIY$10
$30,000 to $49,999 DIY$5


You can now also use your existing DIY$ to get cash rebates on The Fund and get 25% boost up on your points!

Redeemable Cash Rebate
DIY$8 $10
DIY$40 $50
DIY$80 $100

* Reward points are credited 3 months after the launch of the Fund. The Motor Insurance voucher can only be used for Motor Insurance renewed or applied sucessfully through InsureDIY. No other promotions will be applicable.

 

Referral Program

The Fund is also eligible for the Refer a Friend program. Refer your friends and family and get DIY$10 for each referral.

DIY$ can be exchanged for vouchers including InsureDIY vouchers, NTUC Fairprice and Cold Storage vouchers. Check out our rewards catalogue here.

How to refer:
Simply ask your friend to select "Referral" during the application process and key in your email address or referral code when they apply for The Fund here

Referral Reward
DIY$10 each

* Only applicable if your friend has not bought any insurance policy or unit trust through InsureDIY before. DIY$ will only be awarded after your friend's free-look period.


Aberdeen Standard SICAV IV - Emerging Markets Bond Fixed Maturity Fund 2024
Details

The Fund has a 4-year term provides an indicative return of 3.3% - 3.4% p.a. (USD) and 3.23% to 3.33% p.a. (SGD hedged).

Key Facts
Fund date inception 26 October 2020
Maturity date 26 October 2024
Subscriptions/redemptions Closed for subscriptions after inception; Daily redemption
Redemption Penalty

Either redemption penalty or dilution levy is applied, but never both.** The redemption penalty is: 

Year 1: 2%
Year 2: 1.5%
Year 3 & 4: 1%

Platform fee p.a. 20 bps***

 

Here are some common questions about Aberdeen Standard SICAV IV - Emerging Markets Bond Fixed Maturity Fund 2024

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. Why do I have to apply for a wrap account?

* The wrap account is on a platform run by Phillips Securities and 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 with Phillip Securities in trust. We do not collect your funds or handle your money directly.

As this is a one-time set up process, we will also ask if you want to set up such that you can use your CPF monies for investment in the future in addition to a cash account.

 

4. Is the return or capital guaranteed?

The Fund invests in over 90 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.

 

5. What is the minimum and maximum invesment amounts?

There is no maximum investment amount. 

 

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

Yes. Either redemption penalty or dilution levy is applied, but never both.

**In ordinary, liquid, market conditions the dilution adjustment will not exceed 2%. In times of adverse market conditions (to be determined by Aberdeen Standard Investments), the dilution adjustment might exceed 2%. This is to ensure that remaining investors in the Fund are not materially disadvantaged by the negative impact from redemptions.

 

7. What is a platform fee?

*** The Phillip Securities platform will be used to execute transactions, provide statements, hold your funds in custody with Phillip Securities in trust in addition to providing other services. A small fee of 0.2% p.a. will be charged for the platform services and the indicative return shown is before the the deduction of the platform fee. 

 

8. 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.

 

9. Does the indicative yield of 3.3% - 3.4% p.a. include all charges?

The indicative yield is net of Aberdeen Standard's charges, but is gross of the platform fee of 0.2% p.a.. 

 

10. Why do I need to set up a Phillips Securities account when I already have POEMS?

The trading account set up will be tagged to InsureDIY. This means that we will be able to help execute the trade and give you our exclusive promotions. The Fund will not be available for direct investment under POEMS.  

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.