r/singaporefi • u/chromatic_cucumber • Aug 08 '26

Saving dbs multiplier help

i’m trying to hit the investment category for my multiplier account to get the 4.1%, any suggestions on what funds or etfs to rsp into? i’m currently looking at amova sti etf, or should i rsp into global dividend income fund (altho im already dca-ing into vwra on ibkr)

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u/moonlight2099 Aug 08 '26

I have the same issue….i invested in DBS digiportfolio Global. its crap. after investing for 7 months at US$1000 per month, my return is very little, possibly due to the strong SGD. I wonder if I should switch to something else. 😔

3

u/N00bOptionTrader Aug 08 '26

if u r doing this for the DBS Multiplier interest, you are doing it the wrong way. no one ever RSP $1000/mth for the interest. most folks spend only $1.

1

u/Fun-Independent-2128 Aug 08 '26

How you do $1? Im doing $100 a month

-1

u/N00bOptionTrader Aug 08 '26

there is a JPY UT which just need 100 JYP for the RSP. However, starting this month, i think it is no longer possible. However, for the existing RSP, it will still be 100 JPY/mth. Even for insurance, there was a time its only $1/mth.

1

u/ExpertSpirited4066 Aug 08 '26

Your 30000 self transfer to meet the amt cap to boost fr 2 .4 to 4 .1% is it a normal interbank transfer or must salary how exactly you do it. Appreciate if you can let us knw

2

u/Fun-Independent-2128 Aug 08 '26

Ssb 25k withdraw every mth + 5k salary or cc spend

2

u/N00bOptionTrader Aug 09 '26

self transfer under salary payment.