Promotions
Terms and Conditions governing Focus Funds and CIO Insights Funds Recurring Top-up Promotion 2026 (“Promotion”)
By participating in this Promotion, you agree to the following Terms and Conditions governing the Focus Funds and CIO Insights Funds Regular Savings Plan (RSP) Recurring Top-up Promotion 2026.
- Customers of DBS or POSB (each, a “Customer”) who have successfully opened an Internet Banking account are eligible to participate in the Promotion.
- Promotional period: 1st January 2026 to 31st March 2026 (the “Promotional Period”).
- Promotion: Customers who satisfy the following qualifying criteria will be entitled to a rebate on the full management fees for digiPortfolio and/or sales charge for UTs incurred from the recurring top-up amounts made during the Promotional Period (the “Reward”) for Focus Funds or CIO Insights Funds.
Eligible Products and Criteria
Eligible digiPortfolio | Management fee for rebate calculation | Qualifying Criteria | Reward |
Income Portfolio | 0.75% p.a. | • Perform recurring top-ups during the Promotional Period.
• One-time (lump sum) top-up transactions are not eligible for this Promotion.
| • Rebate on full digiPortfolio management fees incurred from recurring top ups less withdrawal amounts.
• Rebates will be in the form of digiPortfolio units to be credited into the same digiPortfolio by 31st May 2026. |
Asia Portfolio (ETF-based) | |||
Global Portfolio (ETF-based) | |||
Global Portfolio Plus | |||
Retirement Portfolio | |||
Eligible CIO Insights Funds | Sales Charge for rebate calculation | Qualifying Criteria | Reward |
CIO Liquid + Fund |
| • Perform recurring top-ups during the Promotional Period.
• One-time (lump sum) top-up transactions are not eligible for this Promotion.
• Debiting account selected via CPF or SRS will not be eligible to participate in this Promotion.
| • Rebate on full sales charge incurred from recurring top ups.
• Rebates will be in the form of cashback to be credited to eligible customers by 31st May 2026. |
First Eagle Amundi Income Builder | Applicable Sales Charge per transaction for rebate calculation | ||
First Sentier Dividend Advantage | |||
Schroder Asia More + | |||
BGF Asian Tiger Bond | |||
Fidelity Global Dividend | |||
PIMCO GIS Income | |||
AB Low Volatility Equity | |||
Capital American Balanced | |||
Ninety One Global Gold | |||
Eligible Focus Funds | Sales Charge for rebate calculation | Qualifying Criteria | Reward |
CIO Barbell Income | Applicable sales charge for rebate calculation | • Perform recurring top-ups during the Promotional Period.
• One-time (lump sum) top-up transactions are not eligible for this Promotion.
• Debiting account selected via CPF or SRS will not be eligible to participate in this Promotion. | • Rebate on full sales charge incurred from recurring top ups.
• Rebates will be in the form of cashback to be credited to eligible customers by 31st May 2026. |
Capital Group American Balanced | |||
PIMCO Balanced Income and Growth | |||
Schroder Asia More + | |||
Neuberger Berman Strategic Income | |||
Robeco Credit Income | |||
Schroder Asian Growth | |||
Janus Henderson Global Life Sciences | |||
Polar Artificial Intelligence | |||
Pictet Physical Gold | |||
Capital Group Global Corporate | |||
BGF World Technology | |||
Ninety One Global Gold |
Fulfilment of the Reward on digiPortfolio
- The reward will be credited to the same digiPortfolio where the recurring top-ups were made, and the digiPortfolio must remain active at the point of fulfilment. This will be done by 31st May 2026 in the form of digiPortfolio units.
Fulfilment of the Reward on Funds
- Each eligible Customer is entitled to a full rebate of the sales charge for all UT RSP transactions done during the Promotional Period. This will be done by 31st May 2026 in the form of cashback.
Calculation of the Reward on digiPortfolio
- The Reward will be computed on a daily basis taking into account the accumulated top up amounts net of any withdrawals, multiplied by the respective digiPortfolio management fee.
Daily Rebate = 0.75% x Recurring Top-up amounts less Withdrawals / 365 days
Illustration of rebate calculation for Feb and Mar for a Customer with a monthly recurring top up of $2,000 in digiPortfolio
Date | Transaction | Recurring Top-up amount | Daily Rebate |
3 Feb | Recurring top-up - $2,000 | $2,000 | $0.04 (0.75% x 2,000 / 365) |
4 Feb | - | $2,000 | $0.04 (0.75% x 2,000 / 365) |
5 Feb – 27 Feb | - | $2,000 | $0.94 (23 x 0.75% x 2,000 / 365) |
28 Feb | Withdrawal $1,000 | $1,000 | $0.02 (0.75% x 1,000 / 365) |
1 Mar | Recurring top-up - $2,000 | $3,000 | $0.06 (0.75% x 3,000 / 365) |
2 Mar | - | $3,000 | $0.06 (0.75% x 3,000 / 365) |
3 Mar – 31 Mar | - | $3,000 | $1.79 (29 x 0.75% x 3,000 / 365) |
Rebate for Feb and Mar = $2.95 (Summation of Daily Rebate)
Calculation of the Reward on Funds
- The Reward will be computed taking into account the accumulated top up multiplied by the online sales charge.
Total Rebate = *Online Sales Charge x Total Monthly Recurring Top-up amounts
Illustration of rebate calculation for a Customer with a monthly recurring top up of $2,000 based on a sales charge of *0.82%
Date | Transaction | Recurring Top-up amount | Total Rebate Amount |
15 Feb | Recurring top-up - $2,000 | $2,000 | $16.40 (0.82% x 2,000) |
15 Mar | Recurring top-up - $2,000 | $2,000 | $16.40 (0.82% x 2,000) |
15 Apr | Recurring top-up - $2,000 | $2,000 | $16.40 (0.82% x 2,000) |
Rebate for Feb, Mar, Apr = $49.20 (Summation of Total Rebate)
- DBS shall not be liable in any way to any party for any loss or damage or expenses arising in connection with the Promotion, howsoever arising, including without limitation, from any late or non-notification, any error in computing chances, any technical, hardware or software breakdown, malfunction or defects, failed, delayed or incorrect transactions, lost or unavailable network connections or any notice that is lost or misdirected.
- These terms and conditions shall be read in conjunction with the terms and conditions governing the Relevant Account, the Terms and Conditions Governing Electronic Services and the DBS Privacy Policy, which are available on DBS’ website at www.dbs.com.sg. In the event of any inconsistency, these terms and conditions shall prevail insofar as they apply to the Promotion.
- The Customer consents under the Personal Data Protection Act (Cap 26 of 2012) to the collection, use and disclosure of his/her personal data by/to DBS and such other third party as DBS may reasonably consider necessary for the purpose of the Promotion, and the Customer confirms that he/she agrees to be bound by the terms of the DBS Privacy Policy, a copy of which can be found on dbs.com/privacy
- If you provide DBS with the personal data of any third party, you hereby (1) agree on behalf of that third party to be bound by the DBS Privacy Policy; and (2) consent on behalf of that third party, to DBS’ collection, use, disclosure and processing of his/her personal data in accordance with DBS Privacy Policy. You warrant that you have obtained the said third party’s prior consent to such collection, use, disclosure and processing of his/her personal data by DBS and that the personal data that you provide to DBS is true, accurate and complete.
- DBS’s decision on all matters relating to the Promotion is final. No correspondence or claims will be entertained.
- DBS may vary these Terms and Conditions or suspend or terminate the Promotion without any notice or liability to any party.
- A person who does not participate in the Promotion shall have no right under the Contracts (Rights of Third Parties) Act (Cap.53B) to enforce any of these terms and conditions.
- DBS may vary these Terms and Conditions or suspend or terminate the Promotion without any notice or liability to any party. DBS may replace, withdraw, or add to the Qualifying criteria at any time without notice or liability.
- The terms of the Promotion will be governed by and construed in accordance with the laws of the Republic of Singapore and you agree to submit to the exclusive jurisdiction of the courts of the Republic of Singapore. This Promotion cannot be used in conjunction with other promotions or campaigns carried out by DBS, unless otherwise permitted by DBS in its sole and absolute discretion.
