Explore MoneyOwl's approach to investing, showcasing tailored investment solutions and guidance on constructing your own portfolio.
We invest to enhance our lives and secure our future, acknowledging that while investing carries market risks, not investing leads to less financial security due to inflation and unexpected events.
Our approach focuses on ensuring reliable, sufficient returns for life’s important moments, without attempting to time the market. We prioritize proven, disciplined strategies over adjusting asset allocations based on short-term data, as staying invested over time is key to capturing long-term market returns.
Invest in a balance of stocks and bonds that is suited to your risk profile.
Invest in the market using a globally diversified portfolio.
Stay invested to reap the long-term returns of the market.
Consider passive indexed funds.
In line with the MoneyOwl Investment Philosophy, we have curated investment products under the core asset classes that may make up a portfolio.
This fund is a passively managed fund. It aims to replicate the performance of the MSCI World Index. It provides exposure to a diverse range of large and mid-cap stocks across 23 developed markets, allowing investors to benefit from diversification between various industries and sectors while focusing on long-term growth.
| Fund Name | Amundi Index MSCI World – A12S (SGD) |
| Expense ratio | 0.10% p.a |
| No. of Stocks (as of Sep 2024) |
1,140 |
| Currency | SGD |
| Benchmark | MSCI World Index |
| Fund Size (as of Sep 2024) |
SGD$6,215.93m |
| Inception Date | 3rd August 2022 |
| 1 Year Return | 24.28% p.a1 |
| Volatility | 11.90% p.a2 |
| Since Inception | 9.84% p.a1 |
| Sharpe Ratio | 1.72 p.a3 |
| Fund Name | Amundi Index MSCI Emerging Markets – A12S (C) |
| Expense ratio | 0.20% p.a |
| No. of Stocks (as of Sep 2024) | 1,277 |
| Currency | SGD |
| Benchmark | MSCI Emerging Markets |
| Fund Size (as of Sep 2024) | SGD$7,916.28m |
| Inception Date | 3rd August 2022 |
| 1 Year Return | 18.28% p.a1 |
| Volatility | 13.54% p.a2 |
| Since Inception | 3.30% p.a1 |
| Sharpe Ratio | 1.09% p.a3 |
This fund is a passively managed fund. It aims to replicate the performance of the Bloomberg Global Aggregate Index, providing investors with broad exposure to global investment-grade bonds from both developed and emerging markets. It uses currency hedging to reduce the effects of exchange rate changes, keeping returns more in line with the Singapore Dollar (SGD).
| Fund Name | Amundi Global Aggregate Bond – A12HS (C) |
| Expense ratio | 0.10% p.a |
| No. of Stocks (as of Sep 2024) | 8,735 |
| Currency | SGD |
| Benchmark | Bloomberg Global Aggregate SGD Hedged Index |
| Fund Size (as of Sep 2024) | SGD$4,199.71m |
| Inception Date | 3rd August 2022 |
| 1 Year Return | 7.87% p.a.1 |
| Volatility | 4.65% p.a.2 |
| Since Inception | -0.68% p.a.1 |
| Sharpe Ratio | 0.92% p.a.3 |
We recommend constructing a portfolio by balancing the allocation of stocks and bonds according to your risk profile.
Instead of chasing the highest returns, we focus on aligning investments with your ability to take risk (based on the time horizon for your goal) and your willingness to take risk (risk tolerance), helping you stay invested over time.
Below are five common asset allocation mixes suited to varying risk profiles.
An asset allocation of 80% bonds and 20% stocks is suitable for investors who are focused on capital preservation over the short-medium term (4-5 years) and are willing and able to take some risk.
| Underlying Funds | Allocation |
|---|---|
| Amundi Index Global Aggregate Bond Fund Hedged SGD | 80% |
| Amundi Index MSCI World Fund | 18% |
| Amundi Index MSCI Emerging Markets Fund | 2% |
3.70% p.a
4.04% p.a
*20-year returns from 2004 to 2024
An asset allocation of 60% bonds and 40% stocks is suitable for investors who have an intermediate time horizon for investment goals and are willing and able to take slightly more risk.
| Underlying Funds | Allocation |
|---|---|
| Amundi Index Global Aggregate Bond Fund Hedged SGD | 60% |
| Amundi Index MSCI World Fund | 36% |
| Amundi Index MSCI Emerging Markets Fund | 4% |
4.60% p.a
5.86% p.a
*20-year returns from 2004 to 2024
An asset allocation of 40% bonds and 60% stocks is suitable for investors who have intermediate time horizon for investment goals and a moderate risk tolerance.
| Underlying Funds | Allocation |
|---|---|
| Amundi Index Global Aggregate Bond Fund Hedged SGD | 40% |
| Amundi Index MSCI World Fund | 54% |
| Amundi Index MSCI Emerging Markets Fund | 6% |
5.44% p.a
8.09% p.a
*20-year returns from 2004 to 2024
An asset allocation of 20% bonds and 80% stocks is suitable for investors who have long time horizon for investment goal and a relatively high risk tolerance.
| Underlying Funds | Allocation |
|---|---|
| Amundi Index Global Aggregate Bond Fund Hedged SGD | 20% |
| Amundi Index MSCI World Fund | 72% |
| Amundi Index MSCI Emerging Markets Fund | 8% |
6.21% p.a
10.47% p.a
*20-year returns from 2004 to 2024
An asset allocation of 100% stocks is suitable for investors who have a long time horizon and are willing and able to take risk.
| Underlying Funds | Allocation |
|---|---|
| Amundi Index MSCI World Fund | 90% |
| Amundi Index MSCI Emerging Markets Fund | 10% |
6.92% p.a
12.92% p.a
*20-year returns from 2004 to 2024
This advertisement has not been reviewed by the Monetary Authority of Singapore.
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