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.

Choose the appropriate investment solution for your time horizon
	You have a short investment time horizon. Suggested solutions: One Account and other savings accounts Singapore Dollar Fixed Deposit Foreign Currency Fixed Deposit
	You have a medium investment time horizon. Suggested solutions: Singapore Government Securities Bonds Structured Deposits Insurance Savings Plans (Single Premium) Unit Trusts
	You have a long investment time horizon. Suggested solutions: Bonds Unit Trusts Insurance Savings Plans (Regular Premium)

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.

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.

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.

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.

SGD deposits are insured up to S$75k by SDIC.