B r o u g h t t o y o u b y

Notes:1. Please refer to UOBAM.com.sg for the full list of awards.2. The success probability is statistically calculated and it is not a guarantee of the principal sum invested or of any rate of return. The portfolio may lose money. UOBAM does not make any prediction, promise or guarantee of any kind. Market prices may go up and down and past performance is

not an indicator of any future or likely performance or outcome. UOBAM may update the success probability and any portfolio projection from time to time if there is a change in its market expectations or assumptions.

Important Notice & DisclaimerThis document is for your general information only. It does not constitute investment advice, recommendation or an offer or solicitation to deal in Exchange Traded Funds (“ETFs”) or in units in any Unit Trusts (“Unit Trusts”, ETFs and Unit Trusts shall together be referred to as “Fund(s)”) nor does itconstitute any offer to take part in any particular trading or investment strategy. This document was prepared without regard to the specific objectives, financial situation or needs of any particular person who may receive it. The information is based on certain assumptions, information and conditionsavailable as at the date of this document and may be subject to change at any time without notice. If any information herein becomes inaccurate or out of date, we are not obliged to update it. No representation or promise as to the performance of the Fund or the return on your investment is made. Pastperformance of any Fund or UOB Asset Management Ltd (“UOBAM”) and any past performance, prediction, projection or forecast of the economic trends or securities market are not necessarily indicative of the future or likely performance of the Fund or UOBAM.The value of any Fund and the income from them, if any, may fall as well as rise, and may have high volatility due to the investment policies and/or portfolio management techniques employed by the Fund. Investments in any Fund involve risks, including the possible loss of the principal amountinvested, and are not obligations of, deposits in, or guaranteed or insured by United Overseas Bank Limited (“UOB”), UOBAM, or any of their subsidiary, associate or affiliate (“UOB Group”) or distributors of the Fund. Market conditions may limit the ability of the platform to trade and investmentsin non-Singapore markets may be subject to exchange rate fluctuations. The Fund may use or invest in financial derivative instruments and you should be aware of the risks associated with investments in financial derivative instruments which are described in the respective Fund’s prospectus. TheUOB Group may have interests in the Funds and may also perform or seek to perform brokering and other investment or securities-related services for the Fund. Investors should read the Fund’s prospectus, which is available and may be obtained from UOBAM or any of its appointed agents ordistributors, before investing. You may wish to seek advice from a financial adviser before making a commitment to invest in any Funds, and in the event that you choose not to do so, you should consider carefully whether the Fund is suitable for you. Any reference to anyspecific country, financial product or asset class is used for illustration or information purposes only and you should not rely on it for any purpose. We will not be responsible for any loss or damage arising directly or indirectly in connection with, or as a result of, any person acting on any informationprovided in this document. Services offered by UOBAM Invest are subject to the UOBAM Invest Terms and Conditions.UOB Asset Management Ltd. Company Reg. No. 198600120Z

This is unique to UOBAM Invest as it gives greaterinsight for corporates before they begin investing.

Based on all the information, UOBAM Investwill create a forecast— investors can plan for atimeframe of up to 30 years—and calculate theplan’s success probability2.

The probability is statistically calculatedusing the results derived from the optimisationalgorithmwhich factors in the investor’s inputon their investment goals, investment horizonand UOBAM’s current forecast of events andperformance of each asset class.

Almost every solution that the system generateswill be customised according to the corporate’sinvestment risk and investment profile, withthousands of plausible portfolio results based onvarious economic andmarket scenarios. Simplyput, it’s like having a personal investment adviser athand, round the clock.

The customised investment proposal is based ona combination of award-winning UOBAM-managedfunds and global exchange traded funds.

The investor can also choose to fine-tune theproposed portfolio at any time— such as when hewants to take on a higher risk portfolio tomeet histargets earlier, or withdraw some investment fundstomeet an urgent payment. To ensure an optimalallocation, UOBAM Invest will alert the investorshould it calculate amismatch between his actionsand the level of risk he is willing to take.

After confirming the desired settings for theinvestment portfolio, corporate investors cansimply let UOBAM Invest monitor the investmentsand rebalance the portfolio quarterly, andwheneverfunds are injected or withdrawn.

Safety is priorityFor corporate clients, the security of their fundsis a key concern. Besides the use of two-factorauthentication (2FA), an industry standard forsecure transactions, UOBAM Invest has additionalsecurity features. For instance, companies candecide on account permission rights and add orauthorise different types of users to view, executeor approve investment decisions.

Corporate funds are also transacted only viabank paymentmodes such as cheques, telegraphictransfers and UOB Business Internet BankingPlus (UOB BIBPlus). This ensures that all funds gothrough secure channels during transactions.

The funds are also placed in custodian accountswith UnitedOverseas Bank Limited, a leading bankin South-east Asia, and ofwhichUOBAM isa subsidiary.

Simple, smart and safe—UOBAM Invest isall about making sense ofmoney for corporateinvestors.

Experience UOBAM Invest atUOBAM.com.sg/UOBAMInvest

N.A.

0.3% p.a.

1%Note: Does not apply to theUnited SGD Money Market Fund.

S$500,000 (SGD account)US$500,000 (USD account)

N.A.

Underlying fund related fees (e.g.Management Fee, Trustee Fee, ValuationFee etc.) payable out of the Funds to theManagers, the Trustee and other parties

Advisory fee

Platform charge

Subscription charge

Minimum AUM to sign up

US Securities and ExchangeCommission (SEC) charge (on selltrades for US-listed ETFs applies)

1% p.a.*

0.3% p.a.

N.A.

S$500,000

0.0013% of the value soldNote: Based on prevailing SEC feerates and is subject to change fromtime to time without notice. Pleaserefer to the SEC website for latestupdates.

Please refer to respective fund prospectus.

* The advisory fee (1%p.a.) is waived for the Digital Adviser feature till 31March 2019 only. Usual fee inclusive of platformcharge is 1.3% p.a. Please refer to the Terms and Conditions governing the UOBAM Invest promotion and eligibilitycriteria at UOBAM.com.sg/UOBAMInvest.

Fees charged by underlying Funds and ETFs

Fees charged to investors Digital Adviser Fund Direct

Quick start to UOBAM InvestSign up for a preview of UOBAM Invest before making your first investment.

Formany, investing through online channels isa trend that has been around for more thantwo decades, driven by a surge in smartphone

usage andmobile connectivity.In digital investing, the focus has been on

meeting the investment needs of individualinvestors and largely overlooking corporateinvestors— until now.

UOBAssetManagement (UOBAM) has comeupwith a newdigital advisory service that assistscorporate investors in their investment decisions andmakes surplus company fundswork harder for them.

UOBAM Invest, the first digital advisoryservice for corporate investors in Singapore, is aninvestment portfolio management platform thatprovides automated and customised investmentadvice to corporates.

“We saw that themedium to large corporatesmarket was under-serviced in investing. Cash flowis key for companies in the short term, as theyhave salaries, rent and utilities tomanage,” saidMsRachel Ong, senior director, business developmentat UOBAM.

“But there is also a real need for companiesto plan long term, whether it is making capitalinvestments such as purchasing a factory, orreplenishing resources for the business. They willneed to plan and invest to achieve these goals.

“The question is howwe can help companiesachieve both short- and long-term goals.”

The answer, UOBAM found after talking to theircorporate clients, was tomake investing simple,smart and safe for companies.

To help businesses balance their short-termneedsand invest surplus funds for long-termgoals, UOBAMInvest equips themwith smart investment tools.

The service is a combination of UOBAM’sinvestment expertise and advanced technology toshare investment advice, based on each corporate’sinvestment goals and appetite for risk, helpingthem achieve their goals.

“Leveragingmore than 30 years of experience inthe industry, we came upwith our own proprietaryinvestment framework andmethodology that wereused to develop UOBAM Invest,” saidMs Ong.

UOBAM Invest was designed to address someof the biggest bugbears corporates havewithinvesting— large investment ticket size, cookie-cutter investment options, and a lack of suitableonline investment platforms for corporates.

Simple does itFirst, UOBAM Invest is fully digital andmobile-friendly. Thismakes investing convenient andaccessible anytime.

It is also flexible — corporate investorscan choose to invest based on a guided orindependent approach, or both. For instance,a corporate investor who prefers to receive acustomised digital investment portfolio can optfor the Digital Adviser feature.

Amore independent investorcanchoose tobuildhisownportfolioandbuyorsell his fundholdingswithFundDirect.

Corporates can opt to sign up for a preview ofthe features and funds beforemaking the firstinvestment.

The service keeps track of all transactions fromDay 1 of investing, providing corporateswith acomprehensive overview of their dealings. Throughthis, they can better analyse their past activities andmonitor their portfolios at the same time.

Smart investingUOBAM Invest taps on decades of award-winning1

investment expertise and capabilities, usingdigitised solutions to take corporate investing to thenext level.

UOBAM partnered global fintech serviceprovider FNZ Group, which providesmulti-channelwealthmanagement services, to develop powerfulinstitutional-grade portfolio optimisationmethodsto recommend an optimal portfolio to suit eachinvestor’s needs and risk appetite.

The customised solutions generated by theportfolio optimisation algorithm are based onUOBAM’s proprietary screeningmethodology andasset allocation framework. The service aims tofully understand a company’s investment goals,risk tolerance level and investment horizon beforerecommending solutions.

This is where UOBAM Invest shines—developing solutions customised to the needs ofthe clients.

Using the portfolio planner tool, corporateinvestors can key in their inflows, such as currentand future contributions, and outflows such asfuture expenditure. They can also prioritise eachinvestment goal differently and the service thencalculates the viability of the investment plan.

”

“We have dedicated our effortsto build a dynamic solution

that thinks in the best interestof each corporate investor.

When we first started, we hopedthat through UOBAM Invest,

UOBAM would redefine investingfor corporates, and be rightby our clients to serve theircorporate investment needs.

Rachel Ong,senior director,

business development atUOB Asset Management

PHOTO AND GRAPHIC: UOBAM

Takingcorporate investment to thenext level:

WhyUOBAMInvest isbreakingnewground

Sunday, January 13, 2019 | The Sunday Times | B15