:: PhillipCapital - Your Partner In Finance ::

Personal Investment > Unit Trust > Advisory UT WRAP

The Phillip Advisory UT Wrap Account for the LONG run
Are you a fresh graduate saving for your first big purchase?
Are you a new parent planning for your kid’s education?
Are you planning for your dream retirement?

If you are a busy individual and requires professional assistance to create a customized portfolio that aims to grow your wealth in order to meet any of your financial goals, then a Phillip Advisory UT Wrap is the account for you.

Your Consultant will guide you in building a personalized investment portfolio with a mix of asset classes, e.g. equity, balanced, bond and/or cash funds that aims to deliver returns that best meet your profile, goals and your appetite for risk.

This account always works in your favour. When markets move or turn volatile, you may wish to rebalance your portfolio, with a Phillip Advisory UT Wrap account you enjoy buying and switching of funds with NO sales charge and NO switching cost. In place, only a one-time upfront fee and annual wrap fee apply.

Regardless which stage of life you are in, the Phillip Advisory Unit Trust (UT) Wrap is an investment tool designed to help you achieve your financial goals. With the Phillip UT Wrap, your consultant’s interest is aligned with yours. That is because as your portfolio achieves excellent growth, your consultant’s reward grows too.

Investment Details

Min. Investment Amount	S$5,000 or equivalent value
Min. Subsequent Investment Amount	S$1,000
Min. Withdrawal Amount	S$1,000 With net asset value of at least S$5,000 after withdrawal
Upfront Fee	0-4%
WRAP Fee*	Based on the total net asset value <S$50,000 1.5% p.a. >=S$50,000 1.25% p.a.

* Accrues daily based on the net asset value of the assets in the account determined at the close of each business day, deducted on a monthly basis from the least volatile fund. GST will be levied on Upfront and WRAP fee.

Our Investment Philosophy
Tailor Made
Your consultant will provide professional advice to construct a personalized portfolio, aided by a list of funds recommended by our Investment Team.

Reasonable
A low initial investment of S$5,000 or an equivalent value to start a WRAP account! Existing unit trust holdings can be transferred into the account.

Unbiased
With a long term relationship based on trust in mind, your consultant will analyze your risk profile, time-horizon and investment objective to recommend a suitable portfolio.

Savings
No sales charge or switching fees imposed should you decide to adjust the unit trusts in your portfolio! All you need to pay is an annual account management fee (WRAP fee) and a one-time adviser service fee (Upfront fee) for new money injections.

Track
Monitor your investments online real-time, by logging onto our FAME (Financial Access Made Easy) system at www.fame8.com

Start building your wealth! Email your enquiries to utrelations@phillip.com.sg and talk to our Wealth Consultant.

Bonds Solutions Portfolio
For many investors, past returns from a portfolio of fixed income and money market funds do not fancy them previously. However, though the recent crisis, the concept of switching tactically into safe heavens became more important than ever. In our opinion, investing in a portfolio of well-managed fixed income funds will be prudent in coping with the global uncertainty ahead. Cash Solutions Portfolio is an investment option that aims to generate potential returns higher than what banks are offering in savings and fixed deposit account while seeking a risk and volatility level that is much lower than that of the stock market or other riskier financial instruments. This portfolio invests fully into bond and/or money market funds.

Are you a tactical investor that seeks:-
• an investment option to park your cash before entering the stock markets.
• to diversify your investments through allocation into fixed income assets.
• to let your excess cash work harder for you in order to enjoy the benefits of passive income returns.
• an investment option with minimal volatility that generate potential positive returns at an incremental pace.
Or a conservative investor that seeks:-
• an alternative investment option that is exposed to relatively lower risk instruments i.e. government bonds, treasury bills, etc.
• a prudent method for your savings to potentially grow with a steady and respectable yield.
• a risk adverse strategy yet able to generate potential returns that are several times that of interest offered in a bank's savings account.

Investment Details

Min. Investment Amount	S$5,000 or equivalent value
Min. Subsequent Investment Amount	S$1,000
Min. Withdrawal Amount	S$1,000 With net asset value of at least S$5,000 after withdrawal
Upfront Fee/Exit Fee/Early withdrawal fee	NIL
WRAP Fee*	Based on the total net asset value Flat at 0.5%* per annum (For a S$5,000 invested amount, it works out to only around $2 per month)

Your wealth consultants would be supported by a team of investment analyst that works out a portfolio for you. Your money would only be invested into bonds and/or money market funds. These are the relatively lower risk realms in the universe of unit trust funds. When you are invested, monitoring of your portfolio would be an on-going affair by your consultant and you will enjoy free switching and topping up of your account. Most importantly, you are free to redeem your money whenever you need them.