
Tailored advice for your life stages
Our wealth management conversations begin with your needs and priorities.
As a UOB Wealth Banking client, you have a dedicated Relationship Manager who works with our team of specialists to provide you with tailored financial solutions that match your risk profile.
Solutions and tools
Risk-First Approach
Our unique Risk-First Approach helps you take the appropriate amount of risk in your journey towards your financial goals.
Wealth Insights
Stay up to date with market developments, macroeconomic news and investment trends that matter to your portfolio.
Portfolio Advisory Tools
Get a holistic overview of your portfolio and its exposure across asset classes, currencies, geographies, risk levels and more.
Learn Hub
Learn, grow and evolve with UOB's Learn Hub. Improve your financial literacy and gain industry insights.
Recipes for Investing
Hungry to learn more about investing? Our recipes for investing series serves up investment concepts in easy-to-digest portions, while introducing dishes you can whip up in your kitchen just as easily.
Recipes for investing
A delicious new way to understand investment concepts in minutes. Watch our content series, recipes for investing, to be a better home cook and investor.

Season 1 Episode 1: Risk Appetite x Hokkaido Scallop Ceviche
We all have different tastes, palates and tolerance levels for spice – just like how everyone has a different risk appetite when it comes to investing.
In fact, just as your taste buds might evolve over the years, your risk profile could change as well when you transition to a different life stage.
Whether you are an aggressive or conservative investor, understanding your risk appetite is crucial when you build your investment portfolio.
Find out more

Season 1 Episode 2: Time & Investing x Beef Cheek Stew
What do you think is the most valuable asset when it comes to investing? Your principal, you may have guessed? The answer is actually time!
Time plays a big role in the quality of your cooking, and the same goes for investing. Building an investment portfolio early means you can make your money work harder. Conversely, delaying the start of your investment journey could dampen your returns and cause your savings to be eroded by inflation over time.
Find out more

Season 2 Episode 1: Dollar Cost Averaging x Pea Risotto
What do you think is the most valuable asset when it comes to investing? Your principal, you may have guessed? The answer is actually time!
Time plays a big role in the quality of your cooking, and the same goes for investing. Building an investment portfolio early means you can make your money work harder. Conversely, delaying the start of your investment journey could dampen your returns and cause your savings to be eroded by inflation over time.
Find out more

Season 2 Episode 2: Compound Interest x Sourdough
A little flour here, a little water there – give it time and watch the mixture grow into a beautiful sourdough starter.
Similarly, a little goes a long way with time when it comes to compound interest. The power of compounding turns a small sum of money into a substantial amount given a long enough time horizon.
Find out more
Recipes for investing
A delicious new way to understand investment concepts in minutes. Watch our content series, recipes for investing, to be a better home cook and investor.

Season 1 Episode 1: Risk Appetite x Hokkaido Scallop Ceviche
We all have different tastes, palates and tolerance levels for spice – just like how everyone has a different risk appetite when it comes to investing.
In fact, just as your taste buds might evolve over the years, your risk profile could change as well when you transition to a different life stage.
Whether you are an aggressive or conservative investor, understanding your risk appetite is crucial when you build your investment portfolio.
Find out more

Season 1 Episode 2: Time & Investing x Beef Cheek Stew
What do you think is the most valuable asset when it comes to investing? Your principal, you may have guessed? The answer is actually time!
Time plays a big role in the quality of your cooking, and the same goes for investing. Building an investment portfolio early means you can make your money work harder. Conversely, delaying the start of your investment journey could dampen your returns and cause your savings to be eroded by inflation over time.
Find out more

Season 2 Episode 1: Dollar Cost Averaging x Pea Risotto
What do you think is the most valuable asset when it comes to investing? Your principal, you may have guessed? The answer is actually time!
Time plays a big role in the quality of your cooking, and the same goes for investing. Building an investment portfolio early means you can make your money work harder. Conversely, delaying the start of your investment journey could dampen your returns and cause your savings to be eroded by inflation over time.
Find out more

Season 2 Episode 2: Compound Interest x Sourdough
A little flour here, a little water there – give it time and watch the mixture grow into a beautiful sourdough starter.
Similarly, a little goes a long way with time when it comes to compound interest. The power of compounding turns a small sum of money into a substantial amount given a long enough time horizon.
Find out more
Choose your spice level
No spice: "I don’t want to risk losing my money.*"
- You are: Risk Averse*
- Suggested Investment: One Account
- Other investment products for your consideration:
- Singapore Dollar Fixed Deposit
- Foreign Currency Fixed Deposit
Less spice: "I can take a little investment risk to keep pace with inflation.*"
- You are: Conservative*
- Suggested Investment Products: "Lower" & "Low to Medium" Risk Unit Trusts
- Other investment products for your consideration:
- Structured Deposits
- Singapore Government Securities
- Bonds
More spice: "I am willing to accept some investment risk and fluctuations for higher potential returns.*"
- You are: Moderate*
- Suggested Investment Products: "Medium" to "High" Risk Unit Trusts
- Other investment products for your consideration:
- Structured Deposits
- MaxiYield (Dual Currency Investment)
- Singapore Government Securities
- Bonds
Most spice: "I am willing to accept significant investment fluctuations, and possible loss of my Principal to maximise potential returns.*"
- You are: Aggressive*
- Suggested Investment Products: "Higher" Risk Unit Trusts
- Other investment products for your consideration:
- Equities trading
- Structured Deposits
- Structured Notes
- MaxiYield (Dual Currency Investment)
- Bonds
Important notice and disclaimers
The above information should not be regarded as an offer, recommendation, solicitation or advice to buy or sell any investment product and shall not be transmitted, disclosed, copied or relied upon by any person for whatever purpose. Any description of investment products is qualified in its entirety by the terms and conditions of the investment product and if applicable, the prospectus or constituting document of the investment product. Nothing herein constitutes accounting, legal, regulatory, tax, financial or other advice. If in doubt, you should consult your own professional advisers about issues discussed herein. The information contained above, including any data, projections and underlying assumptions, are based on certain assumptions, management forecasts and analysis of known information and reflects prevailing conditions as of the date of the articles, all of which are subject to change at any time without notice. Although every reasonable care has been taken to ensure the accuracy and objectivity of the information provided above, United Overseas Bank Limited ("UOB") and its employees make no representation or warranty of any kind, express, implied or statutory, and shall not be responsible or liable for its completeness or accuracy. The views expressed herein are solely those of the authors' and are subject to change at any time without notice. UOB and its employees accepts no liability for any error, inaccuracy, omission or any consequence or any loss/damage howsoever suffered by any person, arising from any reliance by any person on the views expressed or information contained in this webpage. This advertisement has not been reviewed by the Monetary Authority of Singapore.
How time affects the future value of your savings |
This illustration demonstrates how the future value of your savings would be eroded over time, assuming an annual inflation rate of 2%. |
How delays in investing can affect your returns |
This illustration shows how much in compound interest you could potentially lose out on by holding back your investment plans, assuming a fixed rate of return of 3.25%^ compounded annually. ^3.25% is the updated investment returns used in the Benefit Illustrations for Singapore-dollar denominated insurance Participating ("Par") policies adopted by Life Insurance Association’s (LIA) (w.e.f. 1 July 2013). |
Choose the appropriate investment solution for your time horizon | |
![]() |
You have a short investment time horizon. Suggested solutions:
|
![]() |
You have a medium investment time horizon. Suggested solutions:
|
![]() |
You have a long investment time horizon. Suggested solutions:
|
Important notice and disclaimers
The above information should not be regarded as an offer, recommendation, solicitation or advice to buy or sell any investment product and shall not be transmitted, disclosed, copied or relied upon by any person for whatever purpose. Any description of investment products is qualified in its entirety by the terms and conditions of the investment product and if applicable, the prospectus or constituting document of the investment product. Nothing herein constitutes accounting, legal, regulatory, tax, financial or other advice. If in doubt, you should consult your own professional advisers about issues discussed herein. The information contained above, including any data, projections and underlying assumptions, are based on certain assumptions, management forecasts and analysis of known information and reflects prevailing conditions as of the date of the articles, all of which are subject to change at any time without notice. Although every reasonable care has been taken to ensure the accuracy and objectivity of the information provided above, United Overseas Bank Limited ("UOB") and its employees make no representation or warranty of any kind, express, implied or statutory, and shall not be responsible or liable for its completeness or accuracy. The views expressed herein are solely those of the authors' and are subject to change at any time without notice. UOB and its employees accepts no liability for any error, inaccuracy, omission or any consequence or any loss/damage howsoever suffered by any person, arising from any reliance by any person on the views expressed or information contained in this webpage. This advertisement has not been reviewed by the Monetary Authority of Singapore.
Make dollar cost averaging work to your advantage |
Dollar cost averaging is an investment strategy where you invest a regular amount at regular intervals. In this illustration, Investor A makes a lump sum investment of $5,000 in January. He purchases 250 shares at the price of $20 a share. Investor B, on the other hand, practices dollar cost averaging by investing $417 each month for the entire year. He purchases fewer shares when the price is higher and more shares when the price has dipped. By the end of the year, he has invested $5,000 and has bought 300 shares, at an average price of $17 per share. |
Put dollar cost averaging into practice | |
![]() |
![]() |
Affordable From as little as S$100 monthly*, you be on your way to start building up your investments. |
Flexible Flexibility to increase your monthly investment amount |
Suggested solutions:
- UOB Capital Builder: A new investment solution that can help you grow your capital sustainably
- UOB Income Builder: Receive potential regular income amid market ups and downs
Find out more about the unit trusts that are available under the UOB Regular Investment Savings Plan.
*Minimum initial lump sum investment of S$1,000 is required with the UOB Regular Investment Savings Plan, and it is available only for selected SGD-denominated Unit Trusts.
Important notice and disclaimers
The above information should not be regarded as an offer, recommendation, solicitation or advice to buy or sell any investment product and shall not be transmitted, disclosed, copied or relied upon by any person for whatever purpose. Any description of investment products is qualified in its entirety by the terms and conditions of the investment product and if applicable, the prospectus or constituting document of the investment product. Nothing herein constitutes accounting, legal, regulatory, tax, financial or other advice. If in doubt, you should consult your own professional advisers about issues discussed herein. The information contained above, including any data, projections and underlying assumptions, are based on certain assumptions, management forecasts and analysis of known information and reflects prevailing conditions as of the date of the articles, all of which are subject to change at any time without notice. Although every reasonable care has been taken to ensure the accuracy and objectivity of the information provided above, United Overseas Bank Limited ("UOB") and its employees make no representation or warranty of any kind, express, implied or statutory, and shall not be responsible or liable for its completeness or accuracy. The views expressed herein are solely those of the authors' and are subject to change at any time without notice. UOB and its employees accepts no liability for any error, inaccuracy, omission or any consequence or any loss/damage howsoever suffered by any person, arising from any reliance by any person on the views expressed or information contained in this webpage. This advertisement has not been reviewed by the Monetary Authority of Singapore.
See the power of compounding |
Compound interest can be understood as the interest that you earn on your interest, which is in addition to the interest that you earn on your principal. This illustration shows how much in compound interest you could potentially lose out on by holding back your investment plans, assuming a fixed rate of return of 3.25%^ compounded annually. ^3.25% is the updated investment returns used in the Benefit Illustrations for Singapore-dollar denominated insurance Participating ("Par") policies adopted by Life Insurance Association’s (LIA) (w.e.f. 1 July 2013). |
Put compound interest to work for you | ||
![]() |
![]() |
![]() |
One Account and other deposit accounts Do not withdraw your interest income but instead, allow it to compound. |
Unit Trust Choose an accumulation share class where any investment gains are automatically re-invested into the fund. |
Equities Reinvest the dividends that you receive. |
Important notice and disclaimers
The above information should not be regarded as an offer, recommendation, solicitation or advice to buy or sell any investment product and shall not be transmitted, disclosed, copied or relied upon by any person for whatever purpose. Any description of investment products is qualified in its entirety by the terms and conditions of the investment product and if applicable, the prospectus or constituting document of the investment product. Nothing herein constitutes accounting, legal, regulatory, tax, financial or other advice. If in doubt, you should consult your own professional advisers about issues discussed herein. The information contained above, including any data, projections and underlying assumptions, are based on certain assumptions, management forecasts and analysis of known information and reflects prevailing conditions as of the date of the articles, all of which are subject to change at any time without notice. Although every reasonable care has been taken to ensure the accuracy and objectivity of the information provided above, United Overseas Bank Limited ("UOB") and its employees make no representation or warranty of any kind, express, implied or statutory, and shall not be responsible or liable for its completeness or accuracy. The views expressed herein are solely those of the authors' and are subject to change at any time without notice. UOB and its employees accepts no liability for any error, inaccuracy, omission or any consequence or any loss/damage howsoever suffered by any person, arising from any reliance by any person on the views expressed or information contained in this webpage. This advertisement has not been reviewed by the Monetary Authority of Singapore.
How diversification protects your portfolio |
An example of a diversification strategy would be to build your portfolio using stocks and bonds from across different sectors or geographies that are not co-related. If a particular investment experiences a downturn, your entire portfolio would not be adversely affected. For instance, during the Global Financial Crisis in 2008, when stock markets globally underwent a severe correction, U.S. government bonds managed to deliver positive returns. However, the following year, U.S. government bonds underperformed compared to many other major asset classes, especially equities. |
Achieve various levels of diversification with different investments | ||
![]() |
![]() |
![]() |
Concentrated Individual equities and single country equity funds |
Moderate Regional balanced funds |
Broadly diversified Global multi-asset funds |
Suggested solutions:
- UOB Capital Builder: A new investment solution that can help you grow your capital sustainably, managing risk and volatility through diversification across asset classes and markets globally.
- UOB Income Builder: An investment solution that seeks income-generating opportunities by spreading your money globally across different geographies and investment types.
Find out more about our suite of unit trusts.
Important notice and disclaimers
The above information should not be regarded as an offer, recommendation, solicitation or advice to buy or sell any investment product and shall not be transmitted, disclosed, copied or relied upon by any person for whatever purpose. Any description of investment products is qualified in its entirety by the terms and conditions of the investment product and if applicable, the prospectus or constituting document of the investment product. Nothing herein constitutes accounting, legal, regulatory, tax, financial or other advice. If in doubt, you should consult your own professional advisers about issues discussed herein. The information contained above, including any data, projections and underlying assumptions, are based on certain assumptions, management forecasts and analysis of known information and reflects prevailing conditions as of the date of the articles, all of which are subject to change at any time without notice. Although every reasonable care has been taken to ensure the accuracy and objectivity of the information provided above, United Overseas Bank Limited ("UOB") and its employees make no representation or warranty of any kind, express, implied or statutory, and shall not be responsible or liable for its completeness or accuracy. The views expressed herein are solely those of the authors' and are subject to change at any time without notice. UOB and its employees accepts no liability for any error, inaccuracy, omission or any consequence or any loss/damage howsoever suffered by any person, arising from any reliance by any person on the views expressed or information contained in this webpage. This advertisement has not been reviewed by the Monetary Authority of Singapore.
Get in touch
Get in touch
Call our 24-hour UOB Wealth Banking hotline at 1800 222 1881 (Singapore) or +65 6222 1881 (overseas).
For existing Wealth Banking clients
Tap on the Wealth Banking icon on your home page on the UOB TMRW app for your Relationship Manager’s name and contact details.
Start a Wealth Banking relationship with us
Sign up as a Wealth Banking client with a minimum of S$100,000 (or its equivalent in a foreign currency) in qualifying assets under management.
Leave us your contact details and a Relationship Manager will contact you.
SGD deposits are insured up to S$75k by SDIC.
Deposit Insurance Scheme
Singapore dollar deposits of non-bank depositors and monies and deposits denominated in Singapore dollars under the Supplementary Retirement Scheme are insured by the Singapore Deposit Insurance Corporation, for up to S$75,000 in aggregate per depositor per Scheme member by law. Monies and deposits denominated in Singapore dollars under the CPF Investment Scheme and CPF Retirement Sum Scheme are aggregated and separately insured up to S$75,000 for each depositor per Scheme member. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured.
Please refer to UOB Insured Deposit Register for a list of UOB accounts/products that are covered under the Scheme.
We use cookies to improve and customise your browsing experience. You are deemed to have consented to our cookies policy if you continue browsing our site.