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Debunk the age-old myth which proclaims that investing requires a large pool of capital - our Monthly Investment Plan only requires S$100!
What is Monthly Investment Plan?

Investing does not have to be costly, complicated and time-consuming. With our Monthly Investment Plan (MIP), there is now an affordable and simple way to invest. 

Start building a portfolio of blue chip stocks with as little as SGD100 a month at SGD1 commission and erase the need to time the market – just choose a counter, set an amount, and our MIP automatically buys that counter for you every month.

This means you buy more shares when its price is low, and less shares when the price is high!

Why Invest Through Monthly Investment Plan?

1. Extensive List of Securities 
Select from over 230 stocks across 5 markets - Singapore, USA, Hong Kong, Malaysia and Thailand - including STI ETF, Ascendas REIT, Apple, Alphabet Inc., Alibaba and Tencent.

These stocks are typically components of popular indices. For the Singapore market, all 30 component companies of The Straits Times Index (STI) are available through Monthly Investment Plan (MIP), which include stocks such as Singtel, Capitaland and DBS.

You can also trade certain exchange traded funds (ETFs), like NIKKO AM STI ETF 100 and SPDR STI ETF, and Real Estate Investment Trusts (REITs). 

Click here for the full list of global securities that you can invest in via Monthly Investment Plan.

2. Build a Portfolio of Blue Chips Stocks with as Little as SGD100 Per Month at SGD1 Commission

With our MIP, you can purchase stocks in smaller amounts with your chosen monthly investment and pay as little as SGD1 in commission.

Below is an illustration of how many shares you can purchase with SGD100, SGD200, SGD500 and SGD2000 monthly:

Code Name Price (SGD)^ With SGD100 With SGD200 With SGD500 With SGD2000
ES3 STI ETF 3.08  32  64  162  649
G3B NIKKO AM STI ETF 3.16  31  63  158  632
T82U SUNTEC REIT 1.75  57  114  285  1142
S68 SGX 7.12  14  28  70  280

^As of 22 November 2018 
The example above does not take into consideration market liquidity, fees and charges.

 

3. Hassle-Free, Regular Investing

MIP automatically executes your investments every month based on your predetermined investment amount. This means that you buy more stocks when the price is low and fewer stocks when the price is high. Your average price per stock could potentially be lower.

This strategy is widely known as Dollar-Cost Averaging, as it lessens the risk of investing a large amount in a single investment at the wrong time.

An Example of Dollar-Cost Averaging*:

Lump Sum Investment

Month

Investment Amount

Price of Blue Chip Share A

Number of Shares Bought

February

SGD400

SGD1

400

Total

SGD400

 

400

Total invested = SGD400

Cost per share = SGD400/400 = SGD1

Dollar Cost Averaging Via Monthly Investment Plan

Month

Investment Amount

Price of Blue Chip Share A

Number of Shares Bought

February

SGD100

SGD1

100

March

SGD100

SGD1.05

95

April

SGD100

SGD0.8

125

May

SGD100

SGD0.5

200

Total

SGD400

 

520

 Total invested = SGD400

Cost per share = SGD400/520 = SGD0.77

Monthly Investment Plan could save you SGD1 - SGD0.77 = SGD0.23 per share!

*This example is for illustrative purposes only. It does not include brokerage or other fees.

4. Convenient and Flexible

Enjoy the flexibility of selling your stocks and amending your counters or investment amount online, anytime. Simply submit your purchase instructions via KE Trade Online.


5. No Lock-In Period

You may choose to stop or resume your monthly investment whenever you want online!

 

Attractive Incentives When You Trade Today!

Trading can be more rewarding with these promotions!

 

1. Receive Up To S$120 Worth Of Commission Rebates & Walk Away With A S$20 Shopping Voucher!

Enjoy S$0 commission on your MIP trades (capped at S$120) for 6 months. Plus, stand a chance to take home a shopping voucher worth S$20 when you trade SGX-listed stocks and maintain your MIP for 3 months! 

 

Terms and Conditions:

  • This Promotion runs from 1 January 2019 to 30 June 2019 (“Qualifying Period”), for a period of 6 months from the first Monthly Investment Plan trade (“Promotion Period”).
  • This Promotion is open to existing and new clients ("Client"), who commenced their first Monthly Investment Plan trade during the Qualifying Period.
  • Eligible client will enjoy $0 commission for MIP trades for a period of 6 months from their first MIP trade. In addition, the first 650 eligible clients who execute the first SGX-listed MIP trade during the Qualifying Period and maintain the MIP for at least 3 months from the date of the first MIP trade will be eligible to receive a complimentary shopping voucher worth S$20.
  • The Promotion entitles each Client a maximum of $20 rebates per month, capped at a maximum rebate of S$120 (“the Rebate”).
  • The Rebates shall be paid into the eligible client’s account in one lump sum within 2 months following the end of the Promotion Period.

Click here for the full terms and conditions.

How It Works

MIP is a service that is offered to all Prefunded trading account holders. Read on to learn how this works. 

Make Your Decisions
Simply decide on your monthly investment amount and preferred stock for investment.

Pay for Your Purchases
You may choose to set up a recurring fund transfer arrangement via internet banking or apply for GIRO direct debit authorisation to make monthly payment.
 

Execute Orders

Orders submitted under the Monthly Investment Plan service are scheduled to be executed on the 8th (T day) and 9th (T+1 day) of every month, as stipulated in the table below.

Day of the Month (T)

Day of the Month (T+1)*

All orders including foreign markets

STI ETF (SGX:ES3)
NIKKOAM-STC Asia_XJ REIT ETF (SGX:CFA)

*With effect from November 2018

If T day is a non-business day in Singapore, the purchase T date will be the first business day after the 8th of that month. T+1 day will be the next business day following T day.

 

Change Your Investment Amount and Preferred Stock(s)
Enjoy the flexibility of amending your stocks or investment amount online, anytime.

Sell Your Stock(s)
The preferred stock that you have bought under MIP will be reflected on KE Trade under Prefunded Trading Account, which you can choose to either hold or sell the shares. Should you wish to sell your investments, you can do so via KE Trade or by reaching out to your Trading Representative.

 

Fees and Charges Under Monthly Investment Plan

The minimum purchase commission charges for multiple markets are much lower than the charges associated with the Prefunded trading account. Please see the commission rate table below.

Contract Value SG Market US, HK, MY & TH Markets
Rate Minimum

Rate

Minimum
Less than SGD1,000 1.00%

SGD1

1.00%

SGD1

SGD1,000 and above 0.18%* SGD10 0.20%* SGD10

*The prevailing published prefunded account brokerage rate.

NOTE:

  • In addition to the commission rates payable, the following fees are incurred when trading in the Singapore market:
    • Clearing Fee of 0.0325% on contract value. 
    • SGX Trading Fee of 0.0075% on contract value.
    • GST of 7% on each item (applicable to commission and fees).
  • The commission rates for the foreign markets shown above do not include any clearing fees, stamp duties or foreign fees payable that are chargeable on each trade.
  • Maybank Kim Eng Securities Pte Ltd reserves the right to impose other charges which may not be included in the above list and reserves the right to revise the published fees and charges from time to time. Other fees including but not limited to corporate action charges and custody service charges shall be referenced under KE Trade Prefunded Account type as above.

 

How Do I Apply?

Step 1: Open a KE Prefunded Account either through our e-Forms, your Trading Representatives or at our Customer Service Centres. Click here to earn how to open a Prefunded account online.

Step 2: Log in to KE Trade Online here and go to e-Services > Monthly Investment Plan.

Step 3: Key in your preferred monthly investment amount and the stock(s) you wish to purchase.

 

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