Unit Trusts

[CrashWire]

anyone here got invest in SCB CIO income fund SGD?

Why don't you ask the actual question instead?

 

[reddevil0728]

Why don't you ask the actual question instead?

https://dontasktoask.com/

 

[limster]

anyone here got invest in SCB CIO income fund SGD?

18.9% junk bonds. no thanks.

also holds 14.5% VHYD which is understandable and 5.1% VWRA (i.e. the accumulating version that doesn't pay dividends).

 

[reddevil0728]

18.9% junk bonds. no thanks.

also holds 14.5% VHYD which is understandable and 5.1% VWRA (i.e. the accumulating version that doesn't pay dividends).

Accumulating pays dividends but just reinvested no?

 

[hwarzoner]

invested a bit in this, does it pay dividend monthly?

 

[krikering]

Hi All, currently have invested in 150k in VWRA throughout past year (because UOB One Interests is horrible now).

My strategy is just to hold it over a long time horizon e.g 15 years or more, if possible.

I don't really monitor prices to see when is a good time to sell, like how some aggressive traders does with volatile shares, etc.


Just realised that ACWD ETFs have an even lower expense ratio than VWRA (0.12% vs 0.19 TER).

Am thinking of keeping my VWRA investments (Rather than withdrawing).

But few months later, once have accumulated more savings then might consider invest in ACWD.


Just curious, on everyone's thoughts on ACWD being a better potential ETF to invest in as compared to VWRA due to them having a lower expense ratio?

 

[twinbaby]

Hi All, currently have invested in 150k in VWRA throughout past year (because UOB One Interests is horrible now).

My strategy is just to hold it over a long time horizon e.g 15 years or more, if possible.

I don't really monitor prices to see when is a good time to sell, like how some aggressive traders does with volatile shares, etc.


Just realised that ACWD ETFs have an even lower expense ratio than VWRA (0.12% vs 0.19 TER).

Am thinking of keeping my VWRA investments (Rather than withdrawing).

But few months later, once have accumulated more savings then might consider invest in ACWD.


Just curious, on everyone's thoughts on ACWD being a better potential ETF to invest in as compared to VWRA due to them having a lower expense ratio?

I think you can calculate the commission and the charges before you buy and sell before you make a decision.

 

[krikering]

I think you can calculate the commission and the charges before you buy and sell before you make a decision.

I am planning to just hold onto my current VWRA ETFs with IBKR.

But am curious about ACWD, thus just seeking some opinions on the above.

 

[hwarzoner]

dividends received for SC INVEST INCOME - SIGNATURE CIO INCOME FUND S MD SGD

 

[wutawa]

i have 4 ut.

Unit Trust	Expense Ratio	Platform	Fees	Capital	Profit/Loss	Remarks
PIMCO GIS Income Fund Admin SGD Hedged	1.05%	Maribank	nil	$22k	$422.26 Sep 2025	monthly div
LionGlobal Singapore Physical Gold Fund Class MariBank SGD H (Acc)	0.5%	Maribank	nil	$1k	$86.66 Jan 2026
Schroder Asian Growth A Dis SGD	1.33%	FSMOne	nil	$4 points reward	$0.11 Nov 2025	quarterly div
Amundi Index MSCI World A12S (C) SGD	0.1%	POEMS UOB	nil $2.18/trade, $2.18/quarter	$22k	$-222.49 Feb 2026	CPF OA

 

[tehhalia]

i have 4 ut.

Unit Trust	Management Fee	Platform	Fees	Capital	Profit/Loss	Remarks
PIMCO GIS Income Fund Admin SGD Hedged	1.05%	Maribank	nil	$22k	$422.26 Sep 2025	monthly div
LionGlobal Singapore Physical Gold Fund Class MariBank SGD H (Acc)	0.5%	Maribank	nil	$1k	$86.66 Jan 2026
Schroder Asian Growth A Dis SGD	1.33%	FSMOne	nil	$4 points reward	$0.11 Nov 2025	quarterly div
Amundi Index MSCI World A12S (C) SGD	0.03%	POEMS UOB	nil $2.18/trade, $2.18/quarter	$22k	$-222.49 Feb 2026	CPF OA

Wa 1% and above or management fee require high

 

[wutawa]

Wa 1% and above or management fee require high

i not clever. i rather 1.05% fee with high profit than 0.03% fee making loss.

 

[~sabaisabai~]

Wa 1% and above or management fee require high

Fsmone charge platform fee 0.2% annually

If buy UT from fsmone must factor in 0.2% on top of management fee

 

[limster]

i not clever. i rather 1.05% fee with high profit than 0.03% fee making loss.

Fair enough. time in market and the power of compounding are what makes money.

The other extreme are those that start long threads about which is the best world ETF (TL-DR they are roughly the same) because they cannot sleep well knowing that there is another world ETF with 0.02% less expense ratio than VWRA

FSMOne no platform fee for CPFIS unit trusts, and also if you are Diamond Tier. Your stock and ETF holdings also count towards Diamond Tier.

 

[wutawa]

I am sure he will regret buying the uob unit trust after some time. I hope I am wrong.

I am invested in mari invest - unit trust.

Fair enough. time in market and the power of compounding are what makes money.

The other extreme are those that start long threads about which is the best world ETF (TL-DR they are roughly the same) because they cannot sleep well knowing that there is another world ETF with 0.02% less expense ratio than VWRA

FSMOne no platform fee for CPFIS unit trusts, and also if you are Diamond Tier. Your stock and ETF holdings also count towards Diamond Tier.

i am moving backwards from stocks to etf and to ut.
back in 2024, i didnt support ts with his ut, as opposed to the uob div guy. now 2026, ppl discouraged my ut because of fees too.
i plan to review my ut again in mid 2026.

 

[limster]

i am moving backwards from stocks to etf and to ut.
back in 2024, i didnt support ts with his ut, as opposed to the uob div guy. now 2026, ppl discouraged my ut because of fees too.
i plan to review my ut again in mid 2026.

why not go for the UTs that have low expense ratio, like Lion Global All Seasons fund. I am vested in it and also recommend it to my relatives (together with Amundi World).

 

[owenowenno]

why not go for the UTs that have low expense ratio, like Lion Global All Seasons fund. I am vested in it and also recommend it to my relatives (together with Amundi World).

For Eixed Income bond fund eg

Eastspring Investments UT - Singapore Select Bd Fd AD​

https://www.poems.com.sg/fund-finder/eastspring-investments-ut-singapore-select-bd-fd-ad-532015 this
Credit Rate: Average of B and A, Expenses Ratio 0.6%
How is possible this UT is able to get average 4% dividend when the top 10%holdings of fixed bond securities coupon rates is less than 3%
Also able to increase NAV by at least 2% annually past 14years