When you invest prudently like we do, you don’t need luck.

Instead of promoting those high-risk, sleep-depriving quick gambles, we take a long-term, prudent and disciplined approach. Instead of charging high annual management fees to maximise our profits, we offer one of the lowest¹ – so more of your money is put to work.

In fact, this approach works so well, Lipper rating system credits 50%² of our funds as Lipper Leaders³  -  well above the industry average of 23%².

At the same time, our 12 CPF-approved Investment-Linked Funds have emerged as Lipper Leaders³ in various categories⁴, of which the number of Lipper Leaders has increased from 14 to 17 over the last few consecutive quarters (from 2009 Quarter 3 to 2010 Quarter 2).
Click here to see the details of our well-performing funds.

Hardly surprising: as a social enterprise, responsible for safeguarding the savings of over 2 million Singaporeans, we put you before our profits.

Now that’s investment made different.

Our investment approach is anchored on 3 core beliefs:

Value Investing

When we invest, we are making an important decision about taking a stake in a business. So we look for businesses that are undervalued, and trade for less than what they are worth in terms of their potential growth and future performance. Investment markets tend to overreact to good or bad news. This creates attractive opportunities for us to buy into a company with strong fundamentals when its stock price is low. Over the long run, a good and sound business will deliver strong business results. Eventually, this will be recognised and the company’s true value will be reflected in its stock price.

Discipline

Value investing only works when there’s discipline. Not luck, instinct or hot tips. And that means staying true to investing in value for the long term, even when markets are moving in the opposite direction, for instance buying when everyone is selling.  Or when investments experience short-term movements, such as prices rising quickly or dropping sharply. Instead, we continue to focus on the big picture and the quality of the investments over time. That’s because the investment gains can be achieved if we remain invested over many years, in spite of short-term market volatility. We perform our own rigorous fact-based research and ultimately we take the long-term view.

Prudence

Risk and reward cannot be separated. To make money, you need to accept some uncertainty. However, impressive long-term performance can be achieved without losing sleep, just by staying away from excessive risk. It starts with diversifying, or mixing a wide variety of investments within a portfolio, for better and more stable returns. Risk is  managed by considering what we invest in, where we invest, and who manages the investment. Instead of following a single managed fund, we adopt a multi-manager investment approach. Rather than picking one asset class, we combine cash, equity and bonds. We also look into investing in different countries, regions, emerging economies as well as developed markets. This approach has served us well over the years and it is the key to our consistent track record.

Click here for more information on Aim Series, one of our flagship Investment-Linked Plans.

Click here to find out how you can achieve great returns on your money, without losing sleep, with our prudent and disciplined investment approach.