Roboinvest (Powered by weinvest)

A smart and easy way to start investing

Why you will love this

28 thematic portfolios across 6 different markets to match every risk appetite

Automated portfolio monitoring and rebalancing as the market changes

Manage your accounts from anywhere with flexible top-ups and withdrawals

Who can apply

OCBC Current or Savings account holders with access to an OCBC online account

Non-U.S. citizen above 21 years old

An all-in-one digital platform to invest easily, at your convenience.

Features and benefits

Easy to start

Start investing from as low as S$3,500 without a need to open a securities or custodian account.

Find your preferred investment

Build your portfolio with 28 thematic portfolios to choose from, across 6 markets.

Automated portfolio monitoring

Our automated portfolio rebalancing automatically maximises your returns based on market conditions.

Flexibility at your convenience

Top up or withdraw your investment anytime without penalty, and fund your investment easily using your OCBC deposit account.
Making an investment
Whether you're a new or experienced investor, setting up and managing your portfolio with OCBC RoboInvest is easy, intuitive, and convenient.

Step 1

Select a portfolio that fits your preference.

Step 2

Register to create an OCBC RoboInvest account.

Step 3

Fund your RoboInvest portfolio from your OCBC deposit account.

Step 4

Sit back and relax. We will monitor your portfolio for you.

Risk level

Choose from these portfolios:

Defensive

The majority of this portfolio is allocated to bonds with only 20% allocated to equities for modest capital appreciation and a modest allocation of 5% to Gold.

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Fixed Income
73.88%
Equity
19.72%
Commodity
4.93%
Cash
1.47%

Cautious

The majority of this portfolio is allocated to bonds, with some exposure to Emerging market bonds. Allocation to US High Dividend stocks provides opportunity for yield as well as capital appreciation.

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Fixed Income
59.11%
Equity
34.49%
Commodity
4.93%
Cash
1.47%

Balanced

Comprised of bonds with allocation to equities and ETFs that provides opportunities for capital appreciation, albeit at higher risk.

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Fixed Income
49.25%
Equity
39.40%
Commodity
9.85%
Cash
1.50%

Stable Singapore Giants

Benchmarked against the SPDR Straits Times Index ETF, this portfolio is designed to capture the performance of large cap stocks with relatively low volatility listed that are listed on the Singapore Exchange.

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Equity
98.46%
Cash
1.54%

All Weather

The portfolio allocation strategy is to hold different assets (equities, gold, long term bonds and short term bonds) to weather market volatility.

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Fixed Income
49.20%
Equity
24.60%
Commodity
24.60%
Cash
1.60%

Stable Aussie Giants

Benchmarked against the SPDR S&P/ASX 200 FUND, this portfolio is designed to capture the performance of large cap stocks with low volatility in the All Ordinaries Index.

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Equity
98.43%
Cash
1.57%

Stable US Giants

Benchmarked against the SPDR S&P 500 ETF Trust, this portfolio is designed to capture the performance of large cap stocks with low volatility.

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Equity
98.55%
Cash
1.45%

Singapore Cash is King

Benchmarked against the SPDR Straits Times Index ETF, the stocks in this portfolio are screened by market cap, price to free cash flow and dividend yield.

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Equity
98.55%
Cash
1.45%

Singapore Stable REITs

Benchmarked against the SPDR Straits Times Index ETF, this portfolio is designed to capture the performance of Singapore Real Estate Investment Trusts (S-REITS).

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Equity
98.45%
Cash
1.55%

Growth

The majority of this portfolio is allocated to equities and commodities for potential to generate higher returns, albeit higher risk.

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Equity
64.04%
Fixed Income
24.63%
Commodity
9.85%
Cash
1.48%

Australian Financials

Benchmarked against the SPDR S&P/ASX 200 FUND, this portfolio is constructed from stocks in the All Ordinaries Index that are in the financial sector.

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Equity
98.45%
Cash
1.55%

Hong Kong Property

Designed to capture the performance of selected stocks in the Real Estate sector in the Hang Seng Composite Index, this portfolio is benchmarked against the Hong Kong Tracker Fund and pass our QVM (Quality, Value and Momentum) framework.

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Equity
98.40%
Cash
1.60%

Mainland European Technology

Designed to capture the performance of selected stocks in the Real Estate sector in the Hang Seng Composite Index, this portfolio is benchmarked against the Hong Kong Tracker Fund and pass our QVM (Quality, Value and Momentum) framework.

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Equity
98.50%
Cash
1.50%

UK Financials

Designed to capture the performance of selected stocks in the financial sector in the UK, this portfolio is benchmarked against the iShares Core FTSE 100 UCITS ETF and pass our QVM (Quality, Value and Momentum) framework.

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Equity
98.48%
Cash
1.52%

Stable US Healthcare Giants

Designed to capture the performance of large cap stocks with low volatility in the Health Care sector of the S&P 500 Index with only the top 50% of stocks from these sectors selected in order to confine the basket to large cap stocks. This portfolio is benchmarked against the SPDR S&P500 ETF Trust.

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Equity
98.56%
Cash
1.44%

Aggressive

The majority of this portfolio is allocated to equities that offer opportunities for significant capital appreciation, albeit at higher risk.

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Equity
68.97%
Fixed Income
14.78%
Commodity
14.78%
Cash
1.47%

Mainland Europe Financials

Designed to capture the performance of selected stocks in the financial sector in the sector in France and Germany, this portfolio is benchmarked against the iShares Euro Stoxx 50 UCITS ETF and pass our QVM (Quality, Value and Momentum) framework.

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Equity
98.50%
Cash
1.50%

US Tech Leaders

Designed to capture the performance of leading stocks with relatively high momentum in the Information Technology sector of the S&P 500 Index with only the top 50% of stocks from these sectors are selected in order to confine the basket to relatively larger stocks. This portfolio is benchmarked against the SPDR S&P500 ETF Trust.

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Equity
98.55%
Cash
1.45%

Resurgent Industrials

Designed to capture the performance of selected stocks in the S&P 500 that are likely beneficiaries of President Trump's emphasis on infrastructure development in the United States. This portfolio is benchmarked against the SPDR S&P500 ETF Trust.

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Equity
98.55%
Cash
1.45%

Australian REITs

Benchmarked against the SPDR S&P/ASX 200 FUND, this portfolio is designed to capture the performance of Real Estate Investment Trusts in the All Ordinaries Index.

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Equity
98.46%
Cash
1.54%

Yummy

Designed to capture the companies in the S&P 500 that derive a significant portion of their revenue from chocolate, snacks, fast food and non-alcoholic beverages. This portfolio is benchmarked against the SPDR S&P 500 ETF Trust.

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Equity
98.56%
Cash
1.44%

US Rising Rates

Constructed from Banks and Insurance stocks in the financial sector of the S&P 500 Index that are likely beneficiaries of rising interest rates in the United States, this portfolio is benchmarked against the SPDR S&P500 ETF Trust and pass our QVM (Quality, Value and Momentum) framework.

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Equity
98.56%
Cash
1.44%

Dogs of the Dow

Benchmarked against the SPDR Dow Jones Industrial Average ETF Trust, this is a thematic basket that is based on a simple and popular investment strategy that involves buying the 10 highest yielding stocks in the Dow Jones Industrial Average.

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Equity
98.50%
Cash
1.50%

Hong Kong Consumer

Designed to capture the performance of selected stocks in the Consumer Discretionary and Consumer Staples sector in the Hang Seng Composite Index, this portfolio is benchmarked against the Hong Kong Tracker Fund and pass our QVM (Quality, Value and Momentum) framework.

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Equity
98.45%
Cash
1.55%

Stable US Consumer Giants

Designed to capture the performance of large cap stocks with low volatility in the Consumer Discretionary and Consumer Staples sectors of the S&P 500 Index with only the top 50% of stocks from these sectors selected in order to confine the basket to large cap stocks. This portfolio is benchmarked against the SPDR S&P500 ETF Trust.

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Equity
98.56%
Cash
1.44%

Stable US Industrial Giants

Designed to capture the performance of large cap stocks with low volatility in the Industrial sector of the S&P 500 Index with only the top 50% of stocks from these sectors selected in order to confine the basket to large cap stocks. This portfolio is benchmarked against the SPDR S&P500 ETF Trust.

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Equity
98.55%
Cash
1.45%

Hong Kong Technology

Designed to capture the performance of selected stocks in the Information Technology sector in the Hang Seng Composite Index, this portfolio is benchmarked against the Hong Kong Tracker Fund and pass our QVM (Quality, Value and Momentum) framework.

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Equity
98.49%
Cash
1.51%
Before you apply

Eligibility requirements

Minimum age

21 years old

Nationality

Non-U.S. citizens

OCBC account holder

OCBC Current or Savings account holder

OCBC Online Banking access

Have access to OCBC Online Banking via an OCBC Current or Savings account

Validity

Fund your RoboInvest with OCBC deposit account only


Fees

Service fee

0.88% a year on total value of your investments held with OCBC RoboInvest

Exchange fees and charges

Additional exchange fees and charges applies, which vary depending on the markets and trading channels used to execute the orders.



This advertisement has not been reviewed by the Monetary Authority of Singapore.
Information presented as at 14 February 2020.

Ways To Apply

Apply for an OCBC RoboInvest Account

Additional Information
Getting Started

Why choose OCBC RoboInvest for Investments?

OCBC RoboInvest brings you the best elements of a high-end investing service, without the lock in of a high investment amount and excessive management fee typically associated with this service. You will experience:

  • Access to local and global products
  • Automated Portfolio Management Service
  • Bank-grade secure interface
  • Online access to your portfolio anytime
How to start investing?

Via Internet Banking

  1. Login to OCBC Internet banking and select “ETFs and Equities”
  2. Get routed to OCBC RoboInvest platform and start your investment journey by creating an account
  3. Proceed to perform a bill payment to fund your investment after selecting a portfolio

What’s the difference between OCBC RoboInvest’s service and an online broker’s service?OCBC RoboInvest offers a holistic investment journey that focuses on not just a trade but on all your portfolios keeping in mind your appetite for risk. We will manage your investment portfolios with automated periodic rebalancing, while you can sit back and track your accounts 24/7 to watch your investment grow.

Why choose to invest with OCBC RoboInvest instead of keeping money in the bank?Keeping money in your bank savings account only earns the interest rate on your deposits. If inflation is higher than the interest rate, it means you are losing out. With OCBC RoboInvest, your money will be invested in model portfolios according to your risk tolerance, thus possibly have a higher return in the long term.

What’s the eligibility criteria to use this service?
  • At least 21 years of age
  • Non-US citizen
  • OCBC Internet Banking registered user

Is this a service provided by OCBC? Why is there a “powered by WeInvest” label on the platform?

OCBC RoboInvest is a collaboration between OCBC and a Fintech firm Planar Investments Pte Ltd (WeInvest). This brand new platform is developed and supported by WeInvest, with customised screens and investment flow for OCBC. And we are bringing this investment service exclusively to OCBC customers!

Do I always have to go through OCBC Internet Banking to gain access to OCBC RoboInvest?

You can gain access to OCBC RoboInvest directly as long as you have created a RoboInvest account. You may refer to the link here (www.Roboinvest.ocbc.com/login) and feel free to bookmark for future access.

Who can I contact if I encounter issues with the platform or have queries on my investments?

Please contact the email support ID Support@OCBCRoboInvest.com. Our Fintech partner WeInvest supporting the platform will be able to assist you further. Typically, a response can be expected within the next business day.

What is the difference between OCBC RoboInvest’s service and OCBC Blue Chip Investment Plan (BCIP)?

OCBC’s Blue Chip Investment Plan (“BCIP”) aims to allow users to invest simply and gain exposure to the stock market. BCIP customers can select up to 18 share counters on the Straits Times Index for regular investment from as low as S$100. BCIP adopts the concept of Dollar Cost Averaging and customers can invest a chosen amount into their selected counters comfortably each month without timing the market. OCBC RoboInvest however, aims to provide customers with an easy way to steer their portfolio towards the strategy of their choice by following one of WeInvest’s preformulated strategies. By doing so, customers can gain exposure to Exchange-Traded Funds (“ETF”) in other asset classes such as Equities, Fixed Income and Commodities, as well as Equities in Singapore and overseas markets. Unlike the BCIP, RoboInvest is not a regular savings plan and customers can curate the timing of investing their funds.

RoboInvest Accounts

What is the login username for RoboInvest? 

The username will be your registered email address. This will be the same email address for your notifications as well as OTP for login.

Can I open multiple RoboInvest account?

For security reasons, we are only allowing 1 account per person. However, you can have multiple portfolios under your account.

I do not live in Singapore, can I open a RoboInvest account?

Yes, you can as long as you meet the eligibility criteria.

How do I reset my password if I forget my account password?

You can reset your password on the OCBC RoboInvest login page.

During RoboInvest account setup, I was prompted to input my name as per my OCBC Bank Account record. What does that mean?

Please ensure the name used to create your OCBC RoboInvest account matches the name on your OCBC Bank account(s) Eg. If the name on your OCBC Bank account(s) is Tan Xiao Ming, please do not use any other name when creating your OCBC RoboInvest account. This is to avoid unnecessary delays in your investment process.

Investments

What kind of products am I investing in?

ETF-based Portfolios

These portfolios are constructed using listed ETFs representing major asset/sub-asset classes. These ETFs chosen are liquid, well-diversified and have low expense ratios as we strive to maximise your returns and keep expenses low.

Can I customize the ETFs or equities in a portfolio?

The combination of ETFs or equities in each model portfolios are determined based on market research and insights. This allows us to provide the most optimal diversification personalised to you. It is therefore not possible for a customer to handpick the ETFs or the allocation.

What is the minimum amount I must invest to get started?

The minimum amount varies in accordance with the investment portfolio you have selected. It starts from as low as United States Dollars (“USD”) 2,500.

Is there a minimum amount if I want to invest more into my existing portfolio?

This minimum amount to top up varies depending on the investment portfolio that you have selected. It’s typically around 10% of the initial minimum investment amount. The exact amount will be stated when you select your investment portfolio to invest more.

What is OCBC RoboInvest’s portfolio methodology?

ETF-based Portfolios

We conduct a comprehensive analysis of all ETFs listed in the US. We screen for suitable ETFs using various qualitative and quantitative criteria (assets under management, expense ratio, historical performance, liquidity, underlying instruments etc).

The percentage allocation to each ETF is determined using our proprietary optimization algorithm and ETF-based portfolios are rebalanced semi-annually.

What is rebalancing?

Rebalancing is the process of adjusting the composition of an Investment portfolio. This involves the buying and selling of assets in an investment portfolio to maintain a desired asset allocation according to the market conditions and your declared risk profile. We will sell more if the stock value rises significantly, or buy more when the stock has declined to take advantage of volatility.

OCBC RoboInvest will periodically (quarterly or half-yearly depending on portfolios) trigger rebalancing. We will only proceed with the rebalancing once you have given your consent within 2 weeks from the date of trigger. You may choose to ignore or skip this rebalance as well.

Why are there fewer constituents in the Hong Kong portfolios?

Unlike many major global exchanges, the minimum lot sizes for various stocks listed on the Hong Kong exchange are not fixed and can vary a lot. Hence, the higher minimum investment amounts and lower number of constituents in the portfolio.

Funds Transfer

How do I transfer money to fund the investment?

After you have selected your investment portfolio and indicated the amount to invest, there will be a payment instructions page showing a step by step guide. Basically, you will need to perform a bill payment from your own OCBC internet banking account, to the billing organization “Saxo Capital Markets (For OCBC RoboInvest)”.

Why transfer my money to Saxo Capital Markets?

Saxo Capital Markets is our appointed custody and trades execution agent for all the investments through OCBC RoboInvest. Your assets will be held with Saxo Capital Markets, an online trading and investment specialist which is a trusted custodian and a licensed subsidiary of Saxo Bank A/S.

What if I have transferred a different amount from what I have indicated in the investment plan?

For first time transfer of funds to your RoboInvest account, different example scenarios as below:

  1. Indicated investment amount: Portfolio A = $5000, transferred amount: $5500. The extra $500 will be moved to the “Cash Balance” under your account. $5000 will automatically be allocated to portfolio A and trades will be executed. The extra $500 will be moved to the “Cash Balance” under your account
  2. Indicated investment amount: Portfolio A = $5000, transferred amount: $5000. $5000 will automatically be allocated to portfolio A and trades will be executed.
  3. Indicated investment amount: Portfolio A = $5000, transferred amount: $4000. $4000 will be moved to the “Cash Balance” under your account as the transferred amount is less than your indicated investment amount. You may login to your account to allocate this $4000 to your portfolio to overwrite the initial indicated investment amount of $5000, assuming the minimum investment amount for portfolio A is less than $4000.

How can I invest more money subsequently after my first funds transfer?You may proceed to perform bill payment to your OCBC RoboInvest account at any point of time. The funds transferred will be parked under “Cash Balance” in your account. You can then login to OCBC RoboInvest to use the funds in “Cash Balance” for allocation to your existing investment portfolio(s) or new investment portfolio(s).

Can I invest using my Supplementary Retirement Scheme (SRS) or Central Provident Fund (CPF) accounts?

No, currently you are not able to do so.

What currency can I funds transfer in?

Currently you may only transfer funds in Singapore Dollars (“SGD”). For investments in portfolios with different foreign base currency, the equivalent amount transferred in SGD will be converted according to the foreign exchange rate from Saxo Capital Markets before investing.

When will my funds be invested?

Bill payments performed by you before 9pm (Singapore time) each day will be credited into your RoboInvest account by the next working day. Once you have performed the allocation of funds from your RoboInvest account cash balance to your portfolios, the execution of trades will be completed within the following 2-3 working days.

More questions and answers here