Amova Asia Credit Index ETF

Initial Offering Period (IOP) from 9 Sep to 22 Sep 2026

Gain exposure in over 1,000 constituents, with more than 80% rated Investment Grade and an average yield to maturity close to 2x US Treasuries over the past 10 years (Jul 2016 – Jun 2026). Supported by Asia’s growth fundamentals to provide a supportive backdrop for bond issuers across the region.

Invest Now

Why Invest into Amova Asia Credit Index ETF

Low-cost, diversified access with an attractive risk-reward profile and SGD-hedged flexibility

Track a thousand bonds in a single trade

• A cost-efficient way to gain diversified access to a portfolio of Asia Credits in a single trade
  
  
• Tracking over 1,000 bonds with more than 80% Investment Grade exposure
  
  
• Diversified across countries and issuers

Average of close to 2x yield over US Treasuries^

• Attractive average USD Yield to Maturity of ~5%, approximately 2x the yield of 5-Year US Treasuries
  
  
• Investment Grade portfolio blended rating of A3/BAA1
  
  
• Moderate option-adjusted duration of 4.89 years

The only SGD-Hedged Asia Credit ETF on SGX1

• An innovative option for SGD-based investors to access broad Asia USD credit while mitigating USD/SGD currency risk
  
  
• Access broad Asia USD credit while mitigating USD/SGD currency risk
  
  
• A USD share class is also available if preferred

Index Composition

Credit Rating

Years to Maturity

Issuer Type

The Fund is suitable for investors who:

• Seek to track as closely as possible, before fees and expenses, the returns of the Bloomberg Asia Ex-Japan USD Credit Index
  
  
• Believe that the Index will increase in value
  
  
• Are willing and able to accept that their principal will be at risk
  
  
• Seek an “index-based” approach to investing in fixed-rate US dollar-denominated government-related and corporate debt in Asia ex Japan

Events Lineup

Income from Asia: Accessing Asia ex-Japan USD Credit in a Single Trade

ETFs

14 Sep, Mon 2026 07:00 PM - 08:00 PM

Mr Jason Lim | ETF Business Development Associate | Amova Asset Management Asia Limited

Zoom

How to Subscribe to the ETF During the IOP via POEMS 2.0

1. Log in to your POEMS 2.0 , then navigate to ‘Account Management’ > ‘Online Forms’ > ‘IPO Subscription – Irrevocable Form’ or click here.
2. Select the IPO you wish to subscribe to.
3. Review and accept the prospectus, terms, and conditions before subscribing to the financial product.
4. Applications close at 5pm on 22 September 2026, Tuesday.
5. Ensure sufficient funds are available in your POEMS Account to complete the application process by 22 September 2026, Tuesday at 5pm.

Prospectus PHS IOP Subscription Details

Subscription Period	9 Sep 2026 to 22 Sep 2026
Listing Date	1 Oct 2026
Subscription Price	USD share class: USD 1.00 per share SGD-Hedged share class: SGD 1.00 per share
Minimum Quantity	1,000 (in increments of 100 units)
Commission Fees	Zero Commission
Trading Currency	USD share class: USD  SGD-Hedged share class: SGD
Allotment	Full Allotment

Key Information

ETF Name	Amova Asia Credit Index ETF
Reference Benchmark	Bloomberg Asia Ex-Japan USD Credit Index
Issue Price	USD share class: USD 1.00 per share SGD-Hedged share class: SGD 1.00 per share
Initial Offer Period (IOP)	9 Sep 2026 to 22 Sep 2026
Listing Date	1 Oct 2026
Base Currency	USD
Trading Currency	USD share class: USD SGD-Hedged share class: SGD
SGX Code	USD (SGX stock code: B96) SGD-Hedged (SGX stock code: B95)
Trading Board Lot Size	1 Share
Management Fee	0.20% p.a.
Distribution Policy	Semi-annual
Classification Status	Excluded Investment Product

Terms and Conditions for Initial Offer Period for Amova Asia Credit Index ETF (USD share class)

1. The subscription period for Amova Asia Credit Index ETF is from 9 September 2026, Wednesday at 9am to 22 September 2026, Tuesday at 5pm.
2. The online subscription will close on 22 September at 5pm. No new applications, amendments, or withdrawals are allowed after this deadline. 
3. Eligible Accounts to subscribe for the ETF includes Cash Plus, Margin (M), Custodian (C), Prepaid Custodian (CC), Cash Management (KC) and Share Financing (V) Accounts.  Cash Trading Accounts (T) are not eligible to participate in this subscription. 
4. Only one application is allowed per Account. 
5. Each ETF unit is priced at USD 1 and the minimum order quantity is 1,000 units, with an incremental order size of 100 units. 
6. There are Zero Commission Fees.
7. The total amount payable is denominated in USD. The settlement currency will also be in USD. 
8. Sufficient funds (including transfer fee and GST) must be present in the Customer’s Account by 22 September 2026 at 5pm.
9. Applications will be rejected if the Account does not have or reflect sufficient funds after 22 September 2026 at 5pm. 
10. ETF units will be credited to the clients’ CDP or clients’ sub-account with Phillip Securities Pte Ltd by 1 October 2026. 
11. Customers will receive the full allotment of the number of ETF units that they subscribe to. 
12. Customers can start trading the ETF units when the ETF is listed on SGX on 1 October 2026 at 9am. 
13. Notwithstanding anything herein contained, PSPL reserves the right at any time in its absolute discretion to (i) amend, add and/or delete any time of these Terms & Conditions without prior notification (including eligibility and qualifying terms and criteria), and all participants shall be bound by such amendments, additions and/or deletions when effected, or (ii) vary, withdraw, or cancel any items or the promotion without having to disclose a reason thereof and without any compensation or payment whatsoever. PSPL’s decision on all matters relating to the promotion shall be final and binding on all participants. 
14. In the event of a dispute over the client’s eligibility to participate in this Promotion, PSPL’s decision will be final. PSPL shall not be obliged to give any reason on any matter concerning the Promotion and no correspondence or claims will be entertained. 
15. By taking part in this promotion, the customer acknowledges that he/she has read and consented to these Terms & Conditions. 

Terms and Conditions for Initial Offer Period for Amova Asia Credit Index ETF (SGD-Hedged share class)

1. The subscription period for Amova Asia Credit Index ETF is from 9 September 2026, Wednesday at 9am to 22 September 2026, Tuesday at 5pm.
2. The online subscription will close on 22 September at 5pm. No new applications, amendments, or withdrawals are allowed after this deadline. 
3. Eligible Accounts to subscribe for the ETF includes Cash Plus, Margin (M), Custodian (C), Prepaid Custodian (CC), Cash Management (KC) and Share Financing (V) Accounts.  Cash Trading Accounts (T) are not eligible to participate in this subscription. 
4. Only one application is allowed per Account. 
5. Each ETF unit is priced at SGD 1 and the minimum order quantity is 1,000 units, with an incremental order size of 100 units. 
6. There are Zero Commission Fees.
7. The total amount payable is denominated in SGD. The settlement currency will also be in SGD. 
8. Sufficient funds (including transfer fee and GST) must be present in the Customer’s Account by 22 September 2026 at 5pm.
9. Applications will be rejected if the Account does not have or reflect sufficient funds after 22 September 2026 at 5pm. 
10. ETF units will be credited to the clients’ CDP or clients’ sub-account with Phillip Securities Pte Ltd by 1 October 2026. 
11. Customers will receive the full allotment of the number of ETF units that they subscribe to. 
12. Customers can start trading the ETF units when the ETF is listed on SGX on 1 October 2026 at 9am. 
13. Notwithstanding anything herein contained, PSPL reserves the right at any time in its absolute discretion to (i) amend, add and/or delete any time of these Terms & Conditions without prior notification (including eligibility and qualifying terms and criteria), and all participants shall be bound by such amendments, additions and/or deletions when effected, or (ii) vary, withdraw, or cancel any items or the promotion without having to disclose a reason thereof and without any compensation or payment whatsoever. PSPL’s decision on all matters relating to the promotion shall be final and binding on all participants. 
14. In the event of a dispute over the client’s eligibility to participate in this Promotion, PSPL’s decision will be final. PSPL shall not be obliged to give any reason on any matter concerning the Promotion and no correspondence or claims will be entertained. 
15. By taking part in this promotion, the customer acknowledges that he/she has read and consented to these Terms & Conditions. 

Disclaimer

This advertisement is intended for general information only and does not constitute a recommendation, an offer or solicitation to buy or sell any investment products mentioned herein. It does not have any regard to your specific investment objectives, financial situation or any of your particular needs.
Investments are subject to investment risks including the possible loss of the principal amount invested. The value of any investments and the income from them may fall as well as rise. The risk of loss in leveraged trading can be substantial and you could lose in excess of your initial funds.
You may wish to obtain advice from a financial adviser before investing in any investment products mentioned herein. In the event that you choose not to obtain advice from a financial adviser, you should consider whether the investment product is suitable for you. You are advised to read the trading account Terms & Conditions and Risk Disclosure Statement (available online at www.poems.com.sg) before trading in investment products. This advertisement has not been reviewed by the Monetary Authority of Singapore.

Start Trading CFDs Today

Trade US Share CFDs with 0 Commission for 30 days

& Receive S$50 in Cash Credits when you Fund and Trade

Open CFD Account Start Trading CFDs Today

Trade US Share CFDs with 0 Commission for 30 days & Receive S$50 in Cash Credits when you Fund and Trade

Open CFD Account

Check out Your CFD Welcome Gifts

0 Commission

On US Share CFDs

Enjoy 0 commission on online US Share CFD trades for 30 days from activation.

Online trades via POEMS platforms only (excludes POEMS CFD MT5). Overnight financing and other prevailing charges still apply.

S$50

Cash Credits

Fund an initial deposit of S$3,000 within 14 days, hold for 30 days, and trade 3 eligible CFDs within 60 days.

Limited to the first 1,000 eligible accounts. Credits posted within 60 days after qualifying trade period.

0 Commission

On US Share CFDs

Enjoy 0 commission on online US Share CFD trades for 30 days from activation.

Online trades via POEMS platforms only (excludes POEMS CFD MT5). Overnight financing and other prevailing charges still apply.

S$50

Cash Credits

Fund an initial deposit of S$3,000 within 14 days, hold for 30 days, and trade 3 eligible CFDs within 60 days.

Limited to the first 1,000 eligible accounts. Credits posted within 60 days after qualifying trade period.

How to Qualify

Three Simple Steps to unlock CFD Welcome Gifts. Open a POEMS CFD Account New to CFD

Activates upon receiving notification email.

Fund at Least S$3,000 Deposit funds within 14 days of account opening. Hold Funds for 30 Days Maintain your funds for at least 30 calendar days.

Funds can be used for trading but not withdrawn.

Open CFD Account Key Things to Note Online trades via POEMS Mobile 2.0, POEMS Mobile 3 App, POEMS 2.0 Web and POEMS Pro only (excludes POEMS CFD MT5) 0 commission will be valid for 30 days after activation Cash credits posted within 60 days after the qualifying trade period First 1,000 eligible accounts only

Frequently Asked Questions

Who is eligible for the promotion? Customers who do not already hold a CFD Account and who open a new CFD Account during the promotion period are eligible. Customers who have any CFD account prior to the launch of this promotion, regardless of account status, will not be eligible for this promotion. Do I need to register for the promotion? No registration is required. Customers who fulfil the promotion criteria will automatically qualify. How does the 0 Commission for US Equity CFD Trading Rewards work? Eligible Customers will receive an email notification upon activation of the reward. Once activated, 0 Commission will apply for all US Equity CFD trades for 30 days. After which, published rates will apply. How do I qualify for the Fund & Trade Reward? Deposit a minimum of S$3,000 in your first deposit into your CFD Account within 14 calendar days from account opening. After which, execute 3 CFD trades within 60 calendar days from account opening. Do take note that liquidation trades will not be counted and trades that are amalgamated will count as only 1 trade. Will I be eligible for the Fund & Trade Reward if I make an initial deposit of S$2,000 followed by a subsequent deposit S$1,000 within 14 days from the CFD Account opening date? No. You will need to make a deposit of S$3,000 or more in your first deposit into the CFD Account to be eligible for the Fund & Trade Reward. What are considered eligible trades? Any CFD trade that is not a liquidation trade will be counted as an eligible trade. Amalgamated trades (BUY and SELL trades on the same counter and market executed on the same trading day) on POEMS Trading Platforms (excluding POEMS CFD MT5) are considered as one trade. When will I receive my cash credits? Rewards will be credited into the eligible POEMS CFD Account within 60 days after the end of the Qualifying Trade Period. I would like to check if I am eligible for this promotion. How do I go about doing so? Kindly drop us an email at cfd@phillip.com.sg along with your account number, and our team will confirm your eligibility. Example Scenario: John opened his first POEMS CFD account on 15 October 2025. He received the notification that his 0 commission reward was activated on 16 October 2025 and deposited S$5,000 on 20 October 2025 (within 14 days of account opening). He makes 3 trades in US Equity CFDs by 20 November 2025. John’s account maintains the funds until 15 December 2025.

• John will receive S$50 cash credit in his CFD account by February 2026.
• His US Equity CFD trades between 16 Oct – 15 Nov are commission-free.

Terms & Conditions

T&Cs

1. The Promotion will run from 1 September 2026 to 1 November 2026, both dates inclusive (“Promotion Period”).
2. Customers who open a POEMS CFD Account (“Eligible Account”) during the promotion period, and do not have any existing POEMS CFD Account(s) with Phillip Securities Pte Ltd (“PSPL”)
3. 0 Commission for US Equity CFD Trading Rewards
   • Eligible Accounts will be awarded 0 commission on US Equity CFD trades for 30 days.
   • Only applicable to ONLINE trades executed through POEMS’ suite of platforms. (Excluding POEMS CFD MT5)
   • Customers will receive an email notification once the 0 Commission for US Equity CFDs has been activated for their Account.
   • The 0 Commission for US Equity CFDs will be valid for 30 days from the date of activation.
   • PSPL will not be liable to compensate for any commission charges incurred on US equity CFD trades prior to the activation of the 0 Commission Reward.
   • Overnight financing charges and other prevailing charges are still applicable.
4. Fund and Trade Reward
   • Eligible Account will need to make an initial deposit of S$3,000 or more within 14 days of Account opening (“Initial Capital”), hold the funds for at least 30 days, and execute at least 3 Eligible Trades within 60 days from Account opening (“Qualifying Trade Period”) to receive S$50 in Cash Credits.
   • An “Eligible Trade” refers to any CFD trade that is not a liquidation trade.
   • Only applicable to ONLINE trades executed through POEMS’ suite of platforms (Excluding POEMS CFD MT5)
   • Initial Capital must remain in the CFD Account for at least 30 days. It can be used for trading but cannot be withdrawn or transferred.
   • Amalgamated trades (BUY and Sell trades of the same counter for the same market done on the same trading day) are considered as one trade.
   • Your Account must have more than S$0 by the end of the 60 days after Account opening.
   • If you have more than one Account, only the Account with most Eligible Trades will be eligible for the Reward.
   • The Cash Credit will be posted to your Account within 60 days after the end of the Qualifying Trade Period. The Fund & Trade Reward is limited to the first 1,000 Eligible Accounts who meet the funding and trading criteria.
5. The following Customers are NOT eligible to participate in this promotion unless approved by the management of PSPL:
6. Customers who have any existing CFD Accounts with PSPL.
7. Customers who have closed any CFD Accounts with PSPL before.
8. Corporate Accounts and Joint Account holders. All employees of PSPL and its associated entities, subsidiaries and partners (e.g. trading representatives, financial advisor representatives, other contractual representatives etc.) and their immediate families (e.g. spouse and children).
9. By taking part in the promotion, you agree and consent to PSPL sending relevant information to third-party service providers to facilitate the delivery and redemption of the Reward. In the event of a dispute over the Customer’s eligibility to participate in this promotion, PSPL’s decision will be final.
10. Days refer to calendar days.
11. Notwithstanding anything herein contained, PSPL reserves the right at any time in its absolute discretion to (i) amend, add and / or delete these Terms and Conditions without prior notification (including eligibility; replacement of the prize; promotional mechanics, promotion duration without prior notification, qualifying terms and criteria), and all participants shall be bound by such amendments, additions and / or deletions when effected, or (ii) vary, withdraw, or cancel any items or the promotion without having to disclose a reason thereof and without any compensation or payment whatsoever. PSPL’s decision on all matters relating to the promotion shall be final and binding on all participants.
12. This promotion is intended for general information only and does not constitute a recommendation, an offer or solicitation to buy or sell the product mentioned. It does not have any regard to your specific investment objectives, financial situation or particular needs. Investments are subject to investment risks. The risk of loss in leveraged trading can be substantial and you could lose in excess of your initial funds. This product may not be suitable for clients whose investment objective is preservation of capital and/or whose risk tolerance is low. You may wish to obtain advice from a financial adviser before investing in any investment products. You are advised to read the trading account Terms & Conditions and Risk Disclosure Statement (available online at www.phillipcfd.com) before trading in this product.
13. This advertisement has not been reviewed by the Monetary Authority of Singapore.
14. By taking part in this promotion, the participant acknowledges that he / she has read and consented to these Terms & Conditions, and Disclaimers.

Disclaimer

CFDs may not be suitable for customer whose risk tolerance is low. Customers are advised to understand the nature and risks involved in margin trading. Any CFD offered is not approved or endorsed by the issuer or originator of the underlying security the issuer or originator is not privy to the CFD contract. Phillip Securities Pte Ltd reserves the right to amend the published information without prior notice. You are advised to read carefully and understand the Risk Disclosure Statement and CFD Risk Fact Sheet before undertaking transactions in CFDs. As CFD is a Specified Investment Product (SIP), retail customers are subject to the relevant assessment for trading/investing in SIPs. This advertisement has not been reviewed by the Monetary Authority of Singapore.

Copyright © 2026. Brought to you by Phillip Securities Pte Ltd (A member of PhillipCapital) Co. Reg. No. 197501035Z. All Rights Reserved.

Phillip Capital Management | BNP Paribas Custody

Regulated Tokenised Money Market Fund for Digital
Asset Infrastructure

Built-in AML/CFT controls, on-chain transparency, and institutional-grade custody. Built for exchanges, platforms, and Web3-native firms.

AML/CFT Compliant USD $2.4B+ AUM 15+ Years Track Record Talk to Us THE CHALLENGE

Digital Asset Infrastructure Needs Institutional-Grade Liquidity

Exchanges, stablecoin platforms, and Web3 firms require compliant, real-time settlement rails. Traditional money market funds offer stability but lack on-chain integration.

Market makers need instant access. Custody must remain institutional-grade. Compliance Compliance is non-negotiable.

THE SOLUTION

Tokenised MMF with Embedded Compliance

• T+0 Settlement
  Real-time token minting and burning for liquidity operations
• Regulatory-aligned controls
  KYC, screening, transaction monitoring, whitelisted transfers only
• Proven Performance
  15+ years institutional track record, US $2.4B+ AUM

Built for Digital Asset Infrastructure

A money market fund designed for Web3-native operations, institutional compliance
standards, and seamless blockchain integration.

Real-Time Settlement for Market Making

Enable T+0 token minting and redemption. Support high-frequency liquidity operations for partnered exchanges and stablecoin platforms.

AML/CFT Compliance Built in

KYC verification, transaction screening, and monitoring. Whitelisted wallets only—no anonymous transfers. Full on-chain traceability.

Multi-Chain Institutional Infrastructure

Deployed on Ethereum (ERC-3643 regulated asset standard) and XRPL. Transfer restrictions and identity requirements enforced at the protocol layer.

Institutional Custody & Self-Custody Support

BNP Paribas trustee for underlying fund. Tokens deliverable to whitelisted institutional self-custody wallets or qualified custody providers.

15+ Years of Proven Fund Performance

Phillip Capital Management MMF with consistent outperformance vs. Fed Funds lower bound. US $845M in US MMF; $2.4B+ total MMF AUM (Dec 2025).

Business Continuity & Off-Chain Backup

Multi-node redundancy. Off-chain ownership register maintained. Ability to reconstruct and reissue tokens on new contracts or chains if required.

How It Works

A streamlined flow from subscription to redemption, with compliance controls at every step.

01

Cash Transfer & Subscription

Institutional participant transfers cash to the licensed distributor. Subscription gets placed into underlying Phillip Capital Management MMF.

02

Token Minting

Upon successful subscription, tokens are minted on-chain. 1 token = 1 fund unit, mirroring beneficial ownership and rights.

03

Delivery to Whitelisted Wallets

Tokens delivered to KYC-verified, whitelisted wallets. Self-custody for institutions or approved custody providers for qualified individuals.

04

On-Chain Transfers & Compliance

Transfers restricted to authorised, whitelisted participants only. All transactions monitored; no anonymous counterparties permitted.

05

Redemption & Token Burning

Token holders initiate redemption. Tokens burned on-chain. Cash proceeds from underlying MMF redemption transferred to participant's designated account.

06

Market Making & Liquidity

Active market maker supports partnered exchanges and stablecoin platforms. Enables seamless on/offramp operations and real-time settlement.

Compliance & Risk Controls

Built on a foundation of regulatory alignment, operational transparency, and
institutional-grade security.

Enterprise AML/CFT controls

The platform incorporates robust AML/CFT controls aligned with international regulatory standards. All participants are subject to KYC verification, sanctions screening, and ongoing monitoring.

Transaction Monitoring

Continuous monitoring of all on-chain transactions. Suspicious activity flagged and investigated. Real-time compliance enforcement.

On-Chain Traceability & Whitelisting

Every token transfer is recorded on-chain. Transfers permitted only between whitelisted, authorised participants. No anonymous counterparties.

Technology Risk Management (TRM)

Infrastructure and operational controls designed around international technology risk management standards, with multi-node architecture, regular security audits, and comprehensive operational resilience measures.

Important: While this product leverages innovative tokenisation technology, it is structured to minimize changes to the underlying fund's regulatory framework. The Digital Twin – Distributor Model does not create a new share class or separate vehicle. Investors receive disclosure acknowledgements covering additional digital asset risks. This approach maintains institutional compliance standards while enabling Web3 integration.

Multi-Chain Infrastructure with Compliance Embedded

Deployed on public blockchain networks with regulatory controls enforced at the protocol and application layers.

Ethereum

ERC-3643 TOKEN STANDARD

ERC-3643 is purpose-built for regulated securities and tokenised assets. Supports identity verification and transfer restrictions at the smart contract level.

COMPLIANCE CONTROLS

• On-chain identity registry linked to KYC verification
• Transfer restrictions enforced by smart contract logic
• Whitelisting and eligibility checks embedded in protocol

XRP Ledger (XRPL)

Trustlines + Compliance Layer INTEGRATION APPROACH

Utilises XRPL's native trustline mechanism combined with application-layer compliance controls for institutional-grade transfer restrictions.

COMPLIANCE CONTROLS

• Whitelisting enforced at application layer
• Transfer validation rules applied before execution
• KYC verification mapped to wallet addresses

Additional blockchain networks may be supported in future releases based on partner and institutional demand.

Business Continuity & Operational Resilience

Multi-layered infrastructure designed for institutional reliability and disaster recovery.

Multi-Node Architecture

Multiple blockchain node instances ensure redundancy. No single point of failure in transaction processing or data availability.

Off-Chain Backup Register

Ownership records maintained off-chain as backup. Enables reconstruction in extreme scenarios such as smart contract failures or chain issues.

Reissuance Capability

If required, tokens can be reissued on a new smart contract or alternative blockchain. Ownership rights preserved via off-chain backup.

BCP Documentation

Comprehensive business continuity plans documented and tested. Clear protocols for service restoration and participant communication.

Technology Risk Management (TRM)

Institutional-Grade TRM Guidelines Applied

• Regular security audits and penetration testing
• Incident response protocols and escalation procedures
• Smart contract code reviews by third-party auditors

OPERATIONAL MONITORING

• 24/7 system health monitoring and alerting
• Real-time transaction validation and anomaly detection
• Planned maintenance communicated to partners in advance

Who It's For

Built for institutional participants in digital asset infrastructure. This is not a retail product.

Digital Asset Exchanges

Enable seamless settlement for trading pairs. Support institutional liquidity operations with T+0 minting and redemption.

TYPICAL USE CASES Settlement reserves Collateral management Liquidity pools

Stablecoin Platforms & On/ Off-ramps

Integrate tMMF as fiat backing or reserve instrument. Enable compliant conversion flows between fiat and digital assets.

TYPICAL USE CASES Reserve management Fiat on/off-ramps Redemption mechanisms

Market Makers & Institutional Trading Firms

Access institutional-grade MMF exposure with on-chain settlement. Support high-frequency operations across digital asset markets.

TYPICAL USE CASES Real-time settlement Collateral optimisation Cross-chain liquidity

Financial Institutions Exploring Tokenisation

Partner with a proven model for regulated tokenised assets. Learn from a Digital Twin structure that minimizes regulatory friction.

TYPICAL USE CASES Pilot programs Infrastructure integration Compliance frameworks

Institutional Onboarding Required: All participants must complete KYC verification, entity screening, and whitelisting before accessing the platform. This offering is not available to retail investors.

Frequently Asked Questions

Technical, compliance, and operational questions answered.

Order Taking & Subscription

How do I subscribe to the Phillip tMMF USD?

Subscriptions must be submitted using the PSPL U1 Subscription Form and Addendum via email. To ensure same-day processing, all orders must be received by 10:00 a.m. SGT.

What is the minimum investment amount?

The minimum initial subscription is USD 100,000. Subsequent subscriptions by the same investor may be made in smaller amounts (multiples of USD 100), with no minimum threshold for top-ups.

How will I be notified once my subscription order is confirmed?

A successful submission confirmation email will be sent to the client upon receipt of the order. The actual contract note will be issued at T+2 after the subscription is processed.

Under what circumstances would my order be rejected?

Orders may be rejected due to insufficient funding or holdings, submission in the incorrect currency or incorrect form details.

NAV Pricing & Valuation

How often is the NAV price updated?

The NAV price is updated once daily, by noon SGT.

Who is responsible for updating the NAV on the smart contract?

PSPL is responsible for updating the NAV on the smart contract. The NAV reflects a historical price and can also be viewed on the Ethereum blockchain at contract address: 0xFfbe99453ACebCEDE91B4782AE3E80786baE3655 (under the Events tab — NAVPriceUpdated).

At what price will my redemption be processed?

Redemptions are priced at the NAV published on the date the redemption request is received, provided the form is submitted before the 10:00 a.m. SGT cut-off.

To how many decimal places are tMMF units and NAV values expressed?

tMMF units are expressed to 2 decimal places. The tMMF NAV value is expressed to 4 decimal places.

Settlement & Payment

What is the settlement timeframe for subscriptions?

Settlement is reflected in your ledger account at T+1. For the USD Money Market Fund, the fund is marked out at 4:15 p.m. US time, which is treated as T+0 on PSPL’s books. The actual withdrawal timeline depends on your chosen payment method. – https://glutenfreepleasure.com/__proxy_domain/www.poems.com.sg/payment/

How long does a withdrawal take to reach my bank account?

Withdrawal timelines depend on the payment method selected. For DBS Multi-Currency Account (MCA) transfers, there are no charges and funds are expected to arrive on the same day after 7:00 p.m. For other methods, please refer to the POEMS Payment Instructions page – https://glutenfreepleasure.com/__proxy_domain/www.poems.com.sg/payment/

Redemption Process

Is there a separate redemption form?

No separate form is required. The same subscription/redemption form is used — different sections must be completed for redemptions. The same 10:00 a.m. SGT cut-off time applies.

How often can I redeem?

Redemptions can be submitted on any business day. Multiple redemption requests received will be aggregated and processed together.

Are there any redemption or withdrawal charges?

Charges depend on the method of withdrawal. DBS MCA transfers incur no charges. Other payment methods may vary — please refer to the POEMS Payment Instructions page for details. – https://glutenfreepleasure.com/__proxy_domain/www.poems.com.sg/payment/

What is the typical timeline from redemption request to receipt of funds?

Settlement is at T+1 from the date the redemption notice is received before the 10:00 a.m. cut-off. Actual receipt of funds depends on the payment method; DBS MCA transfers are indicatively same day after 7:00 p.m.

Custody & Token Management

Who holds custody of my tMMF tokens?

You may choose to hold your tMMF tokens in self-custody using your own compatible wallet, giving you direct control over your tokens. Alternatively, PSPL can hold custody of the tMMF tokens on behalf of clients.

How do I register my wallet for the tMMF?

Unique wallets must be submitted to PSPL for whitelisting. A Satoshi test will be conducted to verify wallet ownership.

What happens to my tokens when I redeem?

Upon redemption, the corresponding tokens are collected and burnt to maintain a 1:1 ratio between traditional Money Market Fund units and tokenised units.

How is my holding tracked and audited?

Each blockchain token corresponds 1:1 to an underlying fund unit. All activities are recorded both on-chain and off-chain to maintain a full audit trail. Total token supply remains fully backed by off-chain units through ongoing reconciliation.

Is stamp duty applicable on token transfers between clients?

Stamp duty is not applicable under the current structure.

Documentation & Risk Disclosure

Where can I find the Terms & Conditions?

Please refer to the Terms & Conditions in the subscription form and the POEMS website (Part General Conditions, Section 11) – https://glutenfreepleasure.com/__proxy_domain/www.poems.com.sg/mobile/TermsAndConditions.htm – part A. Tokenisation-specific risks are covered in the Addendum provided alongside the subscription form.

What risks should I be aware of as a client?

Specific risks including smart contract risk, counterparty risk, and liquidity risk are disclosed in the Addendum to the subscription form. Please review the Addendum carefully before investing.

Ready to Integrate Tokenised MMF into Your Infrastructure?

Connect with our institutional partnerships team to discuss integration requirements,
compliance workflows, and commercial terms.

Talk to Us Product Sheet

Partnership Inquiries

tokenisation@phillip.com.sg    |    Integration Documentation

OPEN ACCOUNT

Campaign Period: 1 Sep 2026 to 30 Nov 2026

REWARD MILESTONES

Unlock Cash Rewards with ETFs

Trade eligible SGX-listed ETFs during the campaign period to qualify. The more you diversify, the more you earn.

                                                                                                                   *T&Cs Apply

*T&Cs Apply

Get Started in 3 Simple Steps

1

Sign In

Sign in via POEMS Mobile 3 App, or Open an Account if you're new.

2

Trade

Buy eligible SGX-listed ETFs and fulfil the campaign's qualifying trade requirements.

3

Earn

Qualify for Cash Credits of up to S$188, plus compete for the Top Trader Prize of S$888. Eligible SGX-listed ETFs Select from a range of ETFs below, designed to help you build a portfolio aligned with your investment goals. All Equity Bonds REITs Gold

State Street SPDR Straits Times Index ETF

Tracks the performance of the Straits Times Index (STI), which comprises the 30 largest companies listed on the Singapore Exchange. Trade (ES3.SGX)

Amova Singapore STI ETF

Tracks the FTSE Straits Times Index (STI), which covers the 30 largest companies listed on the Singapore Exchange (SGX). Trade Now (G3B.SGX)

Xtrackers MSCI Singapore UCITS ETF 1C

Tracks the performance of the MSCI Singapore Investable Market (IMI) Index, covering large, mid, and small-cap companies in Singapore. Trade Now (O9A.SGX)

Phillip Sing Income ETF

Tracks the Morningstar Singapore Yield Focus Index. Trade Now (OVQ.SGX)

Phillip-Nova MSCI Singapore Daily (2X) Leveraged Product

Tracks twice (2x) the daily performance of the MSCI Singapore Index. Trade Now (LSS.SGX)

Phillip-Nova MSCI Singapore Daily (-1X) Inverse Product

Tracks the opposite (-1x) of the daily performance of the MSCI Singapore Index using a futures-based synthetic replication strategy. Trade Now (SSS.SGX)

Lion-OCBC Securities Singapore Low Carbon ETF

Tracks the iEdge-OCBC Singapore Low Carbon Select 40 Capped Index. Trade Now (ESG.SGX)

ABF Singapore Bond Index Fund

Tracks the iBoxx ABF Singapore Index, which measures the performance of SGD-denominated sovereign and sub-sovereign debt issued in Singapore. Trade Now (A35.SGX)

Amova SGD Investment Grade Corporate Bond Index ETF

Tracks the iBoxx SGD Non-Sovereigns Large Cap Investment Grade Index. Trade Now (MBH.SGX)

Xtrackers II Singapore Government Bond UCITS ETF 1C

Tracks the FTSE Singapore Government Bond Index, which measures the performance of Singapore dollar-denominated bonds issued by the government of Singapore. Trade Now (KV4.SGX)

Phillip SGD Money Market ETF

Tracks the performance of the FTSE SGD 3-month Compounded Singapore Overnight Rate Average (SORA) Index. Trade Now (MMS.SGX)

CSOP iEdge S-REIT Leaders Index ETF

Tracks the iEdge S-REIT Leaders Index, which measures the performance of the largest and most liquid Singapore Real Estate Investment Trusts (S-REITs). Trade Now (SRT.SGX)

Lion-Phillip S-REIT ETF

Tracks the performance of the Morningstar Singapore REIT Yield Focus Index. Trade Now (CLR.SGX)

LionGlobal Singapore Physical Gold ETF

Tracks the performance of the LBMA Gold Price AM as closely as possible before fees and expenses. Trade Now (GLU.SGX)

Frequently Asked Questions

Am I required to register first before I participate in this promotion? No, registration is not required. Your Account will be automatically tracked when you execute eligible trades during the campaign period. How do I qualify for the S$88 Cash Credit? To qualify, a POEMS account holder must: Trade 2 or more eligible SGX-listed ETFs with a minimum total buy value of S$20,000 between 1 Sep 2026 and 30 Nov 2026. How do I qualify for the S$188 Cash Credit? To qualify, a POEMS account holder must: Trade 4 or more eligible SGX-listed ETFs with a minimum total buy value of S$30,000 between 1 Sep 2026 and 30 Nov 2026. How do I qualify for the S$888 Cash Credit? The participating Account with the highest total buy traded value of eligible SGX-listed ETFs from 1 Sep 2026 to 30 Nov 2026 will be the Top Trader and receive an exclusive S$888 Cash Credit. Can I qualify for both Tier 1 and Tier 2 rewards? No. Each Customer can receive only one of the S$88 or S$188 Cash Credit. However, the S$888 Cash Credit may be awarded in addition to either the S$88 or S$188 Cash Credit, subject to the respective qualifying criteria. What are the benefits of trading ETFs? ETFs offer a convenient and cost-effective way to diversify your portfolio, providing exposure to a basket of securities across different asset classes, sectors and markets through a single investment. They also offer intra-day liquidity, price transparency and generally lower costs, making them a flexible option for investors looking to build and diversify their portfolios. I am a Cash Trading Account holder. Am I eligible for this promotion? No, Cash Trading Account holders are not eligible for this promotion. You may consider opening an eligible Account type or converting your Cash Trading Account to a Cash Management Account.

Terms & Conditions

T&Cs for S$88 Cash Credit

1. This promotion is valid from 1 Sep 2026 to 30 Nov 2026, and is open to new and existing Customers of Phillip Securities Pte Ltd (“PSPL”).
2. Promotion Details:

• Trade 2 or more eligible SGX-listed ETFs with a minimum total buy traded value of S$20,000 to receive S$88 in Cash Credit.
  • Eligibility:
    • BUY trades only
    • Cash trades only
    • Online trades only
    • Accounts used for trading of eligible SGX-listed ETFs must be either Cash Plus, Margin (M), Custodian (C), Prepaid Custodian (CC), Cash Management (KC) and/or Share Financing (V) Accounts.
    • BUY trades of the same SGX-listed counter executed on the same trading day via POEMS Trading Platforms, using the same account and payment mode, will be amalgamated and considered as one (1) trade, as only one commission is charged for such trade orders. Please refer to HERE for more information.
    • The total buy traded value will be calculated based on each eligible Account individually and will not be aggregated across multiple Accounts held by the same Customer. Each Customer is eligible to receive the S$88 Cash Credit only once during the Promotion Period.
    • Eligible SGX-listed ETFs: – State Street SPDR Straits Times Index ETF (SGX: ES3) – Amova Singapore STI ETF (SGX: G3B) (SGX: GAB) – Xtrackers MSCI Singapore UCITS ETF 1C (SGX: O9A) – Phillip Sing Income ETF (SGX: OVQ) – Phillip-Nova MSCI Singapore Daily (2X) Leveraged Product (SGX: LSS) (SGX: LSU) – Phillip-Nova MSCI Singapore Daily (-1X) Inverse Product(SGX: SSS) (SSU) – Lion-OCBC Securities Singapore Low Carbon ETF (SGX: ESG) (SGX: ESU) – ABF Singapore Bond Index Fund (SGX: A35) – Amova SGD Investment Grade Corporate Bond Index ETF (SGX: MBH) – Xtrackers II Singapore Government Bond UCITS ETF 1C (SGX: KV4) – Phillip SGD Money Market ETF (SGX: MMS) (SGX: MMT) – CSOP iEdge S-REIT Leaders Index ETF (SGX: SRT) (SGX: SRU) – Lion-Phillip S-REIT ETF (SGX: CLR) – LionGlobal Singapore Physical Gold ETF (SGX: GLU) (SGX: GLS)
  • Crediting of Rewards:
    • The S$88 Cash Credit will be credited to the eligible Account within the month of December 2026 after verification of eligibility and completion of Successful Trades.
    • “Successful Trades” refer to BUY trades of eligible SGX-listed ETFs that are successfully executed and settled within the Promotion Period. Trades that are cancelled, rejected, or not successfully settled will not be eligible.
    • Each customer is eligible to receive the S$88 Cash Credit once only during the Promotion Period.
    • Any Customer who qualifies for and receives the S$188 Cash Credit will not be eligible for the S$88 Cash Credit.
    • The S$88 Cash Credit is limited to the first 100 eligible clients of PSPL who invest during the promotion period.
    • PSPL reserves the right to verify eligibility and trading activity before crediting the cash reward.
    • Phillip Securities Pte Ltd (PSPL)’s determination of eligibility for the S$88 Cash Credit shall be final and binding.

3. This Promotion is not applicable to

1. • Cash Account(s)
   • Joint Account(s)
   • PSPL institutional Customers and corporate Customers

4. Phillip Securities Pte Ltd (“PSPL”) reserves the right at any time in its absolute discretion to (i) amend, add to, and/or delete at any time of these Terms & Conditions without prior notice (including eligibility and qualifying terms and criteria), and all Customers shall be bound by such amendments, additions and/or deletions when effected, or to (ii) vary, withdraw, and/or cancel any items or the promotion itself without having to disclose a reason, and without any compensation or payment whatsoever. PSPL’s decisions on all matters relating to the promotion are final and binding on all Customers.
5. PSPL and its affiliates and their respective employees and agents shall not be liable to any person for any loss, damage, injury, costs or expenses incurred, suffered, borne or arising from this promotion.
6. By participating in this promotion, you acknowledge that you have read and consented to these Terms and Conditions.
7. This advertisement has not been reviewed by the Monetary Authority of Singapore

T&Cs for S$188 Cash Credit

1. This promotion is valid from 1 Sep 2026 to 30 Nov 2026, and is open to new and existing Customers of Phillip Securities Pte Ltd (“PSPL”).
2. Promotion Details:

• Trade 4 or more eligible SGX-listed ETFs with a minimum total buy traded value of S$30,000 to receive S$188 in Cash Credit.
  • Eligibility:
    • BUY trades only
    • Cash trades only
    • Online trades only
    • Accounts used for trading of eligible SGX-listed ETFs must be either Cash Plus, Margin (M), Custodian (C), Prepaid Custodian (CC), Cash Management (KC) and/or Share Financing (V) Accounts.
    • BUY trades of the same SGX-listed counter executed on the same trading day via POEMS Trading Platforms, using the same account and payment mode, will be amalgamated and considered as one (1) trade, as only one commission is charged for such trade orders. Please refer to HERE for more information.
    • The total buy traded value will be calculated based on each eligible Account individually and will not be aggregated across multiple Accounts held by the same Customer. Each Customer is eligible to receive the S$188 Cash Credit only once during the Promotion Period.
    • Eligible participating SGX-listed ETFs: – State Street SPDR Straits Times Index ETF (SGX: ES3) – Amova Singapore STI ETF (SGX: G3B) (SGX: GAB) – Xtrackers MSCI Singapore UCITS ETF 1C (SGX: O9A) – Phillip Sing Income ETF (SGX: OVQ) – Phillip-Nova MSCI Singapore Daily (2X) Leveraged Product (SGX: LSS) (SGX: LSU) – Phillip-Nova MSCI Singapore Daily (-1X) Inverse Product(SGX: SSS) (SSU) – Lion-OCBC Securities Singapore Low Carbon ETF (SGX: ESG) (SGX: ESU) – ABF Singapore Bond Index Fund (SGX: A35) – Amova SGD Investment Grade Corporate Bond Index ETF (SGX: MBH) – Xtrackers II Singapore Government Bond UCITS ETF 1C (SGX: KV4) – Phillip SGD Money Market ETF (SGX: MMS) (SGX: MMT) – CSOP iEdge S-REIT Leaders Index ETF (SGX: SRT) (SGX: SRU) – Lion-Phillip S-REIT ETF (SGX: CLR) – LionGlobal Singapore Physical Gold ETF (SGX: GLU) (SGX: GLS)
  • Crediting of Rewards:
    • The S$188 Cash Credit will be credited to the eligible Account within the month of December 2026 after verification of eligibility and completion of Successful Trades.
    • “Successful Trades” refer to BUY trades of eligible SGX-listed ETFs that are successfully executed and settled within the Promotion Period. Trades that are cancelled, rejected, or not successfully settled will not be eligible.
    • Each customer is eligible to receive the S$188 Cash Credit once only during the Promotion Period.
    • The S$188 Cash Credit is limited to the first 100 eligible clients of PSPL who invest during the promotion period.
    • PSPL reserves the right to verify eligibility and trading activity before crediting the cash reward.
    • Phillip Securities Pte Ltd (PSPL)’s determination of eligibility for the S$188 Cash Credit shall be final and binding.

3. This Promotion is not applicable to

1. • Cash Account(s)
   • Joint Account(s)
   • PSPL institutional Customers and corporate Customers

4. Phillip Securities Pte Ltd (“PSPL”) reserves the right at any time in its absolute discretion to (i) amend, add to, and/or delete at any time of these Terms & Conditions without prior notice (including eligibility and qualifying terms and criteria), and all Customers shall be bound by such amendments, additions and/or deletions when effected, or to (ii) vary, withdraw, and/or cancel any items or the promotion itself without having to disclose a reason, and without any compensation or payment whatsoever. PSPL’s decisions on all matters relating to the promotion are final and binding on all Customers.
5. PSPL and its affiliates and their respective employees and agents shall not be liable to any person for any loss, damage, injury, costs or expenses incurred, suffered, borne or arising from this promotion.
6. By participating in this promotion, you acknowledge that you have read and consented to these Terms and Conditions.
7. This advertisement has not been reviewed by the Monetary Authority of Singapore

T&Cs for S$888 Cash Credit

1. This promotion is valid from 1 Sep 2026 to 30 Nov 2026, and is open to new and existing Customers of Phillip Securities Pte Ltd (“PSPL”).
2. Promotion Details:

• The Top Trader will receive a S$888 Cash Credit. Only one (1) eligible Account will be awarded the S$888 Cash Credit as the Top Trader.
• “Top Trader” refers to the eligible Account with the highest total buy traded value of eligible SGX-listed ETFs during the Promotion Period. The total buy traded value will be calculated based on each eligible Account individually and will not be aggregated across multiple Accounts held by the same Customer.
  • Eligibility:
    • BUY trades only
    • Cash trades only
    • Online trades only
    • Accounts used for trading of eligible SGX-listed ETFs must be either Cash Plus, Margin (M), Custodian (C), Prepaid Custodian (CC), Cash Management (KC) and/or Share Financing (V) Accounts.
    • BUY trades of the same SGX-listed counter executed on the same trading day via POEMS Trading Platforms, using the same account and payment mode, will be amalgamated and considered as one (1) trade, as only one commission is charged for such trade orders. Please refer to HERE for more information.
    • Only eligible BUY trades executed through the same eligible Account will be counted towards the total buy traded value for determining the Top Trader.
    • Eligible participating SGX-listed ETFs: – State Street SPDR Straits Times Index ETF (SGX: ES3) – Amova Singapore STI ETF (SGX: G3B) (SGX: GAB) – Xtrackers MSCI Singapore UCITS ETF 1C (SGX: O9A) – Phillip Sing Income ETF (SGX: OVQ) – Phillip-Nova MSCI Singapore Daily (2X) Leveraged Product (SGX: LSS) (SGX: LSU) – Phillip-Nova MSCI Singapore Daily (-1X) Inverse Product(SGX: SSS) (SSU) – Lion-OCBC Securities Singapore Low Carbon ETF (SGX: ESG) (SGX: ESU) – ABF Singapore Bond Index Fund (SGX: A35) – Amova SGD Investment Grade Corporate Bond Index ETF (SGX: MBH) – Xtrackers II Singapore Government Bond UCITS ETF 1C (SGX: KV4) – Phillip SGD Money Market ETF (SGX: MMS) (SGX: MMT) – CSOP iEdge S-REIT Leaders Index ETF (SGX: SRT) (SGX: SRU) – Lion-Phillip S-REIT ETF (SGX: CLR) – LionGlobal Singapore Physical Gold ETF (SGX: GLU) (SGX: GLS)
  • Crediting of Rewards:
    • The S$888 Cash Credit will be credited to the eligible Account within the month of December 2026 after verification of eligibility and completion of Successful Trades.
    • The S$888 Cash Credit may be awarded in addition to either the S$88 or S$188 Cash Credit, provided that all respective qualifying criteria are met.
    • “Successful Trades” refer to BUY trades of eligible SGX-listed ETFs that are successfully executed and settled within the Promotion Period. Trades that are cancelled, rejected, or not successfully settled will not be eligible.
    • PSPL reserves the right to verify eligibility and trading activity before crediting the cash reward.
    • Phillip Securities Pte Ltd (PSPL)’s determination of eligibility for the S$888 Cash Credit shall be final and binding.

3. This Promotion is not applicable to

1. • Cash Account(s)
   • Joint Account(s)
   • PSPL institutional Customers and corporate Customers

4. Phillip Securities Pte Ltd (“PSPL”) reserves the right at any time in its absolute discretion to (i) amend, add to, and/or delete at any time of these Terms & Conditions without prior notice (including eligibility and qualifying terms and criteria), and all Customers shall be bound by such amendments, additions and/or deletions when effected, or to (ii) vary, withdraw, and/or cancel any items or the promotion itself without having to disclose a reason, and without any compensation or payment whatsoever. PSPL’s decisions on all matters relating to the promotion are final and binding on all Customers.
5. PSPL and its affiliates and their respective employees and agents shall not be liable to any person for any loss, damage, injury, costs or expenses incurred, suffered, borne or arising from this promotion.
6. By participating in this promotion, you acknowledge that you have read and consented to these Terms and Conditions.
7. This advertisement has not been reviewed by the Monetary Authority of Singapore

POEMS Raffle Tickets · 1 Sep – 1 Nov 2026 Win a 2.5g PAMP Gold Bar (worth S$530*) with POEMS Rewards! Get POEMS Coins with your Welcome Gift funding tier. Use 1,000 Coins for a raffle entry and stand a chance to win 1 of 3 PAMP Suisse Lady Fortuna 2.5g Gold Bars. 1,000 Coins per entry 3 Gold bars 50 Consolation Stock Coupons *Price subjected to fluctuations .

• Both platforms

Coins or Reward Points

Most people reach the raffle from POEMS Mobile 3 using POEMS Coins. If you trade on POEMS 2.0 and hold POEMS Reward Points instead, you are in as well — a point and a coin carry the same value, so an entry costs the same on either side.

POEMS Raffles Ticket · Entries Close on 30 Nov 26

Win a 2.5g PAMP Gold Bar (worth S$530*) with POEMS Rewards

1,000POEMS Coins per entry 100POEMS Reward Points per entry, in bundles 3Gold bars 50US/SG Stock Coupons Work out your entries → Redeem Now *Price subjected to fluctuations.

Both platforms

Coins or Reward Points

There are two ways to redeem entries for the POEMS Raffle lucky draw, depending on the platform you use. On POEMS Mobile 3 App, redeem 1,000 POEMS Coins for 1 raffle entry, with unlimited entries available. On POEMS 2.0, redeem 500 POEMS Reward Points for 5 raffle entries, with more entries available through higher redemption tiers. POEMS Mobile 3

POEMS Coins

1,000Coins = 1 entry

• Earned by the quests, daily check-ins, read articles and more
• Redeem on POEMS Mobile 3 App > Me Tab > Rewards Shop
• Unlimited Entries per Account

or Different rates and limits POEMS 2.0

POEMS Reward Points

100Points = 1 entry, in bundles from 500

• Earned at 1 point per S$1 of commissions on equities trades
• Redeem on POEMS 2.0 Web > Market Data & Rewards under Voucher Section
• Each Account Holder can only redeem once per tier every 30 days.

The 4 redemption tiers

500 points5 entries 1,000 points10 entries 5,000 points50 entries 10,000 points100 entries Bundles can be combined. Points are not pro-rated, so 500 is the smallest amount that buys entries.

Coins & points redemption

Work out how many entries you can redeem

Pick your platform, then set your balance. Coins buy one entry per 1,000, and Reward Points buy five entries per 500. Neither has a per-account cap. Your platform POEMS Mobile 3 POEMS Coins · Mobile 3 Reward Points · POEMS 2.0

An entry costs 1,000 Coins on POEMS Mobile 3, with no per-account cap on how many you redeem, subject to your Coin balance.

Welcome Gift funding tier Tier 1 · 1,000 Coins Not funded Tier 1 · S$3,000 Tier 2 · S$10,000

Tier 1 funds S$3,000 and credits 1,000 Coins. Tier 2 funds S$10,000 and credits 3,000 Coins. Credited after the 30-day hold on your funding is met.

Coins you already hold 060,000+

From the onboarding quest, daily check-ins and quests in POEMS Mobile. New customers usually start at 0.

Raffle entries 1 No cap, subject to your balance Total Coin balance 1,000 Coins left over 0 1,000 Coins redeems 1 entry into the draw. Prizes are fixed at 3 gold bars and 50 coupons, and chances of winning depend on the total number of entries received across the campaign.

Illustrative only. Coin and Reward Point balances vary, and the figures shown here are an estimate. Entering the raffle does not guarantee a prize, and chances of winning depend on the total number of entries received.

The prize pool

Exciting Prizes Up for Grabs

Each Customer can win one prize only. For Customers with multiple Accounts and happened to be selected for multiple prizes, only the higher-value prize will be awarded, where applicable. Grand prize · 3 winners

PAMP Suisse Lady Fortuna 2.5g gold bar

Metal999.9 fine gold, 2.5 grams PackagingSealed in a CertiPAMP assay card carrying a unique serial number RefinerPAMP Suisse, accredited by the LBMA QuantityThree bars in total, one per winner Consolation · 50 winners

S$20 US/SG Stock Coupon

Each winner will receive one coupon, valid for online SG and US market BUY trades with a minimum contract value of S$100 or US$100. Valid for 90 days upon issuance.

Redeem Now

How it works

Fund. Trade. Engage. Get in the Draw!

1

Fund Welcome Gifts Tier/Trade Equities/Fulfill Activities

Open a Cash Plus Account, fund S$3,000 or S$10,000 within 14 days and hold the funds for at least 30 days to be eligible for the bonus POEMS Coins. Get more POEMS Coins by daily check-in, read articles, post on community & many other activities on POEMS Mobile 3 App Trade Equities on POEMS Trading Platforms (POEMS 2.0, POEMS Mobile 3, POEMS Mobile 2.0, POEMS Pro) to earn POEMS Reward Points 2

Redeem Entries

Go to the Rewards Centre in POEMS Mobile 3 App and spend 1,000 Coins per entry, or redeem Reward Points on POEMS 2.0 Market Data & Rewards in bundles from 500 points. 3

Wait for the Draw

Entries close 31 December 2026. The draw takes place in January 2027 and winners will be notified.

Existing Customers are not eligible to fund a tier — Entries can be redeemed on POEMS Mobile 3 Rewards Shop with existing Coins balance, or with Reward Points on POEMS 2.0 Market Data & Rewards.

Frequently Asked Questions

What are POEMS Coins and POEMS Reward Points? How do I earn them? POEMS Coins are earned by completing eligible actions on the POEMS Mobile 3 App , which include:

• Successful Account opening (NEW to PSPL)
• Completing your investor profile
• Completing eligible education modules
• Daily check-in on the POEMS Mobile 3 App

The full list of eligible actions and the number of Coins awarded for each is published on the POEMS Mobile 3 App under ‘Me’ Tab > ‘Rewards’. Coins have no monetary value and cannot be exchanged for cash. POEMS Reward Points are earned for every S$1 in commission when you trade equities* using POEMS 2.0, POEMS Mobile 2.0 App, POEMS Mobile 3 App, or POEMS Pro. *Valid for both local and selected foreign markets. For more information, please refer to our Terms & Conditions. POEMS Reward Points are earned for every S$1 commission by trading equities* via POEMS 2.0, POEMS Mobile 2.0, POEMS Mobile 3 and POEMS Pro. How do I use my POEMS Coins and/or POEMS Rewards Points to enter the POEMS Raffle Lucky Draw For POEMS Coins, login to the POEMS Mobile 3 App and navigate to ‘Me’ Tab > ‘Rewards’ to exchange

• 1,000 Coins for one (1) raffle entry

Each Account Holder has an unlimited number of entries for POEMS Coins for the duration of the promotion. Once exchanged, Coins and entries cannot be reversed or reinstated. For POEMS Reward points, login to POEMS 2.0 and navigate to ‘Market Data & Rewards’ Tab to redeem

• 500 Reward points for five (5) raffle entries
• 1,000 Reward points for ten (10) raffle entries
• 5,000 Reward points for fifty (50) raffle entries
• 10,000 Reward points for one hundred (100) raffle entries

Each Account Holder can only redeem each reward item once per 30 days for Reward Points for the duration of the promotion. What can I win? There are two prize tiers:

• Grand Prize: three (3) winners, each to receive one (1) PAMP Suisse Lady Fortuna Gold Bar 2.5g
• Consolation Prize: fifty (50) winners, each to receive one (1) S$20 Stock Coupon.

When is the POEMS Raffle Lucky Draw and how will I know if I have won? The draw will take place from 23 September 2026 to 30 November 2026. The draw results will be conducted in 7 December 2026 by random selection from all valid entries received. Winners will be notified by email and POEMS Mobile 2.o and 3 App notification within 5 working days of the draw. Please ensure that your app notifications for the apps are turned on. Will my POEMS Coins and POEMS Reward points expire? For POEMS Coins, they will expire one year from the date the Coins are awarded/earned. For POEMS Reward points, they will expire one year from the date they are earned, at the end of the calendar quarter. I have multiple Accounts. If more than one of my Accounts is selected, am I eligible to receive more than one prize? No. If you have multiple Accounts and more than one of your Accounts is selected, you will only receive one prize — the higher-value prize, where applicable.

Terms & Conditions

T&Cs

1. The POEMS Raffle Tickets programme (the “Raffle”) runs from 23 September 2026 to 30 November 2026, both dates inclusive.
2. Eligibility criteria:
   • Open to New and Existing Customers of PSPL.
   • All Account types including Joint Accounts (only the First Account holder will be considered)
   • For POEMS Coins, Customers are required to download and login to the POEMS Mobile 3 App to earn Coins and submit raffle entries and/or
   • For POEMS Reward Points, Customers are required to execute BUY trades on POEMS trading platforms (POEMS 2.0, POEMS Mobile 2.0 App, POEMS Mobile 3 App, POEMS Pro) to earn POEMS Reward Points and login to the POEMS 2.0 to redeem the raffle entries with their POEMS Reward Points.
3. Earning POEMS Coins:
   • Coins are earned by completing eligible actions on the POEMS Mobile 3 App during the promotion period, including successful Account opening, completion of the investor profile, completion of eligible education modules, daily check-in, and eligible funding milestones.
   • The full list of eligible actions and the corresponding number of Coins awarded is published on the POEMS Mobile 3 App and may be updated by PSPL at its discretion.
   • Coins have no monetary value, are non-transferable between Customers or Accounts, and cannot be exchanged for cash.
   • Coins awarded in respect of an action that is subsequently reversed, cancelled, or found to be ineligible will be forfeited or deducted from the Customer’s Coin balance.
4. Earning POEMS Reward Points:
   • 1 POEMS Reward Point is earned for every S$1 in commissions when you trade equities* using POEMS 2.0, POEMS Mobile 2.0 App, POEMS Mobile 3 App, or POEMS Pro. *Valid for both local and selected foreign markets. For more information, please refer to our Terms & Conditions.
   • Note that Broker Assisted Trades are not eligible to earn the POEMS Reward Points.
5. Raffle entries:
   • POEMS Coins
     • 1,000 POEMS Coins may be exchanged for one (1) raffle entry via POEMS Mobile 3 App > ‘Me’ Tab > ‘Rewards’.
     • Each Account Holder has unlimited number of entries for the duration of the promotion.
   • POEMS Reward Points
     • 500 Reward Points may be redeemed for five (5) raffle entries via POEMS 2.0 > ‘Market Data & Rewards’ Tab > ‘Voucher’.
     • 1,000 Reward Points for ten (10) raffle entries via POEMS 2.0 > ‘Market Data & Rewards’ Tab > ‘Voucher’.
     • 5,000 Reward Points for fifty (50) raffle entries via POEMS 2.0 > ‘Market Data & Rewards’ Tab > ‘Voucher’.
     • 10,000 Reward Points for one hundred (100) raffle entries via POEMS 2.0 > ‘Market Data & Rewards’ Tab > ‘Voucher’.
     • Each Account Holder can only redeem each tier once per 30 days
   • Once exchanged, raffle entries cannot be reversed, refunded, or reinstated.
   • All entries must be submitted by 2359 hours (GMT+8) on 30 November 2026.
6. Prizes:
   • Grand Prize: Three (3) winners, each to receive one (1) PAMP Suisse Lady Fortuna Gold Bar 2.5g.
   • Consolation Prize: Fifty (50) winners, each to receive one (1) S$20 US/SG Stock Coupon.
   • Each Customer can only win a maximum of one (1) prize for the duration of the promotion. In any event if a Customer is qualified for multiple prizes, only the prize with the higher value will be given, where applicable.
   • Prizes are not exchangeable for cash, credit, or any other item, and are not transferable to any other person or Account.
   • Customers are required to download and login to POEMS Mobile 3 App by January 2027, in order to receive the S$20 US/SG Stock Coupon, provided that they are the winners.
   • Customers will be notified via POEMS Mobile 3 App (please ensure that App push notifications are enabled on your mobile device) and by Email once they qualify for the reward.
   • The S$20 US/SG Stock Coupon will expire 90 days from the date of issuance, 0200 hours (GMT+8).
   • Once redeemed, the Coupon cannot be reissued.
   • Eligibility Criteria of the S$20 US/SG Stock Coupon:
     • BUY stocks only
     • SG/US Market only
     • Cash trades only
     • Online trades only
     • A minimum contract value of S$100/US$100
   • The S$20 US/SG Stock Coupon is valid for one-time use only and is non-refundable, non-transferable, and cannot be exchanged for cash.
   • Once activated, the S$20 US/SG Stock Coupon cannot be deactivated or reissued.
   • The S$20 US/SG Stock Coupon will be automatically applied to the first successful eligible trade executed, after activation and before its expiry.
   • The rebate, up to the contract value, will be credited to the eligible Account within 5 working days following the successful eligible trade
   • If the S$20 US/SG Stock Coupon is not activated and/or a successful eligible trade is not executed within the validity period, the Coupon will be forfeited, and no rebate will be issued.
   • If multiple Stock Coupons are active, the one with the nearest expiration date will be used up first by default. If the Coupons have the same expiry date, the Coupon that was activated first by the Customer will be used by default.
   • If the Customer holds multiple trading Accounts, the Account performing the first successful eligible trade will receive the rebate, regardless which Account the Coupon was activated in. For example, a Customer has two Accounts, Account A and Account B. The Customer activates the Coupon in Account A, but later performs a successful eligible trade using Account B. In this case, Account B will be awarded the rebate.
   • Activated refers to the successful redemption of a stock coupon by logging into the POEMS Mobile 3 app, going to Me > Rewards > My Rewards Inventory, and swiping to redeem the coupon. Once activated, the coupon can be used to offset the purchase amount of an eligible buy trade in Singapore or U.S. stocks.
   • Deactivated means that the stock coupon has been disabled and is no longer valid for use.
   • Rebates refer to the cash credits you earn after executing an eligible trade.
7. Draw and notification:
   • The draw will be conducted on 7 December 2026 by random selection from all valid entries received during the promotion period.
   • Winners will be notified by email and/or POEMS Mobile 2.0/3 App notification within 5 working days of the draw.
   • Winners must respond to confirm acceptance of the prize within 7 days of notification, failing which the prize will be forfeited and PSPL reserves the right to draw the next replacement winner.
   • Collection arrangements for the Grand Prize will be advised at the point of notification. Winners may be required to produce photo identification and to sign an acknowledgement of receipt upon collection.
   • PSPL’s decision on all matters relating to the Raffle, including the conduct of the draw and the selection of winners, is final and binding on all Customers. No correspondence will be entertained.
8. This Promotion is not applicable to:
   • PSPL institutional Customers and corporate Customers
   • PSPL and its associated entities and subsidiaries (direct or indirect), e.g. Staff, Trading Representatives and Financial Adviser Representatives.
9. By redeeming this item, you acknowledge that you have read and consented to these Terms and Conditions.
10. Phillip Securities Pte Ltd (“PSPL”) reserves the right at any time in its absolute discretion to (i) amend, add to, and/or delete at any time of these Terms & Conditions without prior notice (including eligibility and qualifying terms and criteria), and all Customers shall be bound by such amendments, additions and/or deletions when effected, or to (ii) vary, withdraw, and/or cancel any items or the promotion itself without having to disclose a reason, and without any compensation or payment whatsoever. PSPL’s decisions on all matters relating to the promotion are final and binding on all Customers.
11. PSPL and its affiliates and their respective employees and agents shall not be liable to any person for any loss, damage, injury, costs or expenses incurred, suffered, borne or arising from this promotion.
12. By redeeming this item from your Rewards page, you acknowledge that you have read and consented to these Terms and Conditions.
13. Days refer to calendar days.
14. This advertisement has not been reviewed by the Monetary Authority of Singapore.

Enjoy Airport Lounge Access with POEMS Reward Points 

Redeem Now

This advertisement has not been reviewed by the Monetary Authority of Singapore.

Enjoy Airport Lounge Access  with POEMS Reward Points 

Redeem Now

Redeem Airport Lounge Pass by LoungeKey with your POEMS Reward Points

Trade More to Earn More Points

Earn 1 POEMS Reward point for every S$1 in commissions when you trade equities* using POEMS 2.0, POEMS Mobile 2.0 App, POEMS Mobile 3 App, or POEMS Pro.

*Valid for both local and selected foreign markets.

For more information, please refer to our Terms & Conditions. 

Redeem Airport Lounge Pass by LoungeKey with your POEMS Reward Points

Trade More to Earn More Points

Earn 1 POEMS Reward point for every S$1 in commissions when you trade equities* using POEMS 2.0, POEMS Mobile 2.0 App, POEMS Mobile 3 App, or POEMS Pro.

*Valid for both local and selected foreign markets. For more information, please refer to our Terms & Conditions. 

How many POEMS Reward Points are needed to Redeem the Reward?

1 X Airport Lounge Pass by LoungeKey - 2,000 POEMS Reward Points

2 X Airport Lounge Pass by LoungeKey - 4,000 POEMS Reward Points

Redeem Now

How many POEMS Reward Points are needed to Redeem the Reward?

• 1 X Airport Lounge Pass by LoungeKey - 2,000 POEMS Reward Points

  2 X Airport Lounge Pass by LoungeKey - 4,000 POEMS Reward Points

Redeem Now

How to Redeem?

On POEMS 2.0 Web

1. Login to POEMS 2.0 Web > Head to Markets & Data Rewards tab.
2. Navigate to the Airport Lounge Pass by LoungeKey under “Voucher” section.
3. Choose the desired Airport Lounge Pass by LoungeKey under the  “Voucher” section. You can select from:
   • 1 X Airport Lounge Pass by LoungeKey – 2,000 Reward Points
   • 2 X Airport Lounge Pass by LoungeKey – 4,000 Reward Points
4. Tick the checkbox to redeem Airport Lounge Pass by LoungeKey using your 2,000/4,000 POEMS Reward Points and click the “Submit” button.

Upon Submission

1. A confirmation email will be sent to your email address (registered to your POEMS account) within 5 working days.
2. Upon receiving the email, please kindly reply with the Full Name as per Passport details that you would like to register for the Airport Lounge.
3. Once we have received the details, an email containing your registered details and the Airport Lounge Pass access QR code will be sent to the registered email address(es) within 5 working days. 
4. Once you have received the email, you may present the LoungeKey digital pass(es) at any lounge counter for access to the Airport Lounge. Do note that each LoungeKey digital pass is valid for Six (6) months from the date of issuance.

   To locate a participating lounge, visit: loungefinder.loungekey.com/en/PhillipCapital

Frequently Asked Questions

1. Why am I unable to redeem the Airport Lounge Pass by LoungeKey?

This can happen due to one of the three reasons:

1. Each account holder may only redeem the Airport Lounge Pass by LoungeKey once per month (30 days), you may have hit the maximum redemption value for the month.
2. You have insufficient POEMS Reward Points for redemption.
3. You are a Cash Trading Account holder (convert your Cash Trading Account to Cash Management Account here).

2. When will I receive my Airport Lounge Digital Pass by LoungeKey?

The confirmation email will be sent to your email address (registered to your POEMS account) within 5 working days (from the date of redemption on POEMS Rewards).

You are required to reply with the Full Name as per Passport details that you would like to register for the Airport Lounge.

Once we have received the details, an email containing your registered details and the Airport Lounge Pass access QR code will be sent to the registered email address(es) within 5 working days.

If you have yet to receive the QR Code after 5 working days, kindly check your junk or spam folder.

IMPORTANT: Please ensure that the email address registered to your POEMS Account is accurate as there will be no re-issuance of the lounge pass or refund allowed if you have used an incorrect email address.

3. How long is the validity for the Airport Lounge Pass by LoungeKey?

Each LoungeKey digital pass is valid for Six (6) months from the date of issuance. 

4. I am a Cash Trading Account Holder and how can I enjoy redeeming the Airport Lounge Pass by LoungeKey?

To enjoy this redemption reward, you must convert your Cash Trading Account to a Cash Management Account here.

Terms & Conditions

Terms & Conditions

1. Each Customer holding either a Cash Plus, Cash Management, Margin, Prepaid, Custodian or Share Financing Account may redeem an Airport Lounge digital pass by LoungeKey on POEMS Rewards with 2,000/4,000 POEMS Reward points per redemption per 30 day period. Each Account Holder is limited to one redemption every 30 days.
2. Redemption:
   • 1 X Airport Lounge Pass by LoungeKey – 2,000 Reward Points and/or
   • 2 X Airport Lounge Pass by LoungeKey – 4,000 Reward Points
3. Notification:
   • A confirmation email will be sent to your email address (registered to your POEMS account) within 5 working days once you have successfully redeemed the reward item on POEMS Rewards.
   • Upon receiving the email, please kindly reply with the Full Name as per Passport details that you would like to register for the Airport Lounge.
   • Once we have received the details, an email containing your registered details and the Airport Lounge Pass access QR code will be sent to the registered email address(es) within 5 working days. 
4. Each LoungeKey digital pass is valid for one (1) single entry at any participating airport lounge
5. Customers must ensure that the full name submitted during redemption (First and Last Name) matches their passport details and that their email address is accurate. PSPL shall not be liable for any inaccurate information that results in failed lounge access. Any digital pass issued but unusable due to incorrect details will be deemed
6. Once Customer received the email, Customer may present the LoungeKey digital pass(es) at any lounge counter for access to the Airport Lounge. To locate a participating lounge, visit: loungefinder.loungekey.com/en/PhillipCapital
7. The LoungeKey digital pass will be valid for Six (6) months from the date of issuance. 
8. The LoungeKey digital pass is not refundable or exchangeable for cash or transferrable to other Account holders.
9. The LoungeKey digital pass cannot be replaced if lost or expired.
10. The LoungeKey digital pass that has not been redeemed by the end of the Redemption Period shall be forfeited automatically and will not be refunded.
11. PSPL and its affiliates and their respective employees and agents shall not be liable to any person for any loss, damage, injury, costs or expenses incurred, suffered, borne or arising from this promotion.
12. By redeeming this item, you acknowledge that you have read and consented to these Terms and Conditions.
13. The following Customers are NOT eligible for this promotion unless approved by the management of Phillip Securities Pte Ltd (“PSPL”):
    • Customers who have any existing Cash Accounts with PSPL
    • All employees of PSPL’s entities and its partners (e.g., trading representatives, financial advisors) and their immediate families (e.g., spouse and children).
14. By taking part in the promotion, you agree and consent to PSPL sending relevant information to third-party service providers to facilitate the delivery and redemption of the Rewards.
15. In the event of a dispute over the Customer’s eligibility to participate in this promotion, PSPL’s decision will be final.
16. Notwithstanding anything herein contained, PSPL reserves the right at any time in its absolute discretion to (i) amend, add to, and/or delete these Terms and Conditions without prior notification (including eligibility; replacement of the prize; promotional mechanics, promotion duration without prior notification, qualifying terms and criteria), and all participants shall be bound by such amendments, additions and/or deletions when effected, or (ii) vary, withdraw, or cancel any items or the promotion without having to disclose a reason thereof and without any compensation or payment whatsoever. PSPL’s decision on all matters relating to the promotion shall be final and binding on all participants.
17. This advertisement has not been reviewed by the Monetary Authority of Singapore.

Get Rewarded Up to S$500 Cash Credits

Earn S$10 Cash Credit* for every S$5,000 subscribed to the ETF!

From 6 to 25 August 2026

Invest Now

*T&Cs Apply. Only applicable to the first 300 eligible Clients who invested in the ETF during the IOP period. 

About the CGS Fullgoal Singapore Next 50 Active ETF

The CGS Fullgoal Singapore Next 50 Active ETF is an actively managed exchange traded fund constituted in Singapore that seeks to achieve long-term capital growth through an actively managed portfolio of Singapore equities by delivering excess returns over the iEdge Singapore Next 50 Index through a systematic, factor-based investment approach.

Why This Segment Matters?

Structural Diversification

Financials fall from 58% to 6%. REITs become the largest sector (~39%), alongside the following sectors which have limited penetration in the STI - technology, staples, materials and healthcare.

SMID-Cap Alpha Opportunity

Bloomberg consensus EPS growth +9% (Next 50 aggregate). Thinner analyst coverage and wider stock dispersion create more opportunities for systematic factor strategies to add value vs. heavily-covered STI names.

EQDP-Aligned Liquidity

50 liquidity-screened constituents. S$6.5B EQDP manager selection emphasises strategies including small- and mid-caps.

Global Revenue Reach

51% of collective Next 50 revenue originates outside Singapore — diversified exposure to ASEAN and global growth through operationally focused mid-caps.

Sector Composition STI 30 vs Next 50

Why Invest in the CGS Fullgoal Singapore Next 50 Active ETF?

A Differentiated SG Equity Exposure

Next 50

≥80% weight in Next 50 constituents

Backtested Return Profile

+3.39%

Backtested alpha p.a. (IR 0.82)

Controlled Downside

3.97%

Backtested tracking error
(3-6% range)

Institutional Manager & Advisor Pedigree

16 years

Fullgoal flagship track record

A Differentiated SG Equity Exposure

Next 50

≥80% weight in Next 50 constituents

Backtested Return Profile

+3.39%

Backtested alpha p.a. (IR 0.82)

Controlled Downside

3.97%

Backtested tracking error (3–6% range)

Institutional Manager & Advisor Pedigree

16 years

Fullgoal flagship track record

How to Subscribe to the ETF During the IOP via POEMS 2.0

1. Log in to your POEMS 2.0 , then navigate to ‘Account Management’ > ‘Online Forms’ > ‘IPO Subscription – Irrevocable Form’ or click here.
2. Select the IPO you wish to subscribe to.
3. Review and accept the prospectus, terms, and conditions before subscribing to the financial product.
4. Applications close at 5pm on 25 August 2026, Tuesday.
5. Ensure sufficient funds are available in your POEMS Account to complete the application process by 25 August 2026, Tuesday at 5pm.

Pitch Book Prospectus IOP Subscription Details

Subscription Period	6 Aug 2026 to 25 Aug 2026
Listing Date	3 Sep 2026
Subscription Price	SGD 1.00 per share
Minimum Quantity	1,000 (in increments of 100 units)
Commission Fees	Zero Commission
Trading Currency	SGD
Allotment	Full Allotment

Key Information

ETF Name	CGS Fullgoal Singapore Next 50 Active ETF
Reference Benchmark	iEdge Singapore Next 50 Index
Issue Price	SGD1.00 per share
Initial Offer Period (IOP)	6 Aug 2026 to 26 Aug 2026
Target Listing Date	3 Sep 2026
Base Currency	SGD
Trading Currency	SGD
SGX Code	Q50
Trading Board Lot Size	1 Share
Management Fee	0.65% per annum of the Sub-Fund Asset; Maximum: 1.50% per annum of the Sub-Fund Asset.
Distribution Policy	Semi-annual distributions around June and December each year
Classification Status	Excluded Investment Product

Terms and Conditions for Initial Offer Period for CGS Fullgoal Singapore Next 50 Active ETF

1. The subscription period for CGS Fullgoal Singapore Next 50 Active ETF is from 6 August 2026, Thursday at 9am to 25 August 2026, Tuesday at 5pm.
2. The online subscription will close on 25 August at 5pm. No new applications, amendments, or withdrawals are allowed after this deadline. 
3. Eligible Accounts to subscribe for the ETF includes Cash Plus, Margin (M), Custodian (C), Prepaid Custodian (CC), Cash Management (KC) and Share Financing (V) Accounts.  Cash Trading Accounts (T) are not eligible to participate in this subscription. 
4. Only one application is allowed per Account. 
5. Each ETF unit is priced at SGD 1 and the minimum order quantity is 1,000 units, with an incremental order size of 100 units. 
6. There are Zero Commission Fees.
7. The total amount payable is denominated in SGD. The settlement currency will also be in SGD. 
8. Sufficient funds (including transfer fee and GST) must be present in the Customer’s Account by 25 August 2026 at 5pm.
9. Applications will be rejected if the Account does not have or reflect sufficient funds after 25 August 2026 at 5pm. 
10. ETF units will be credited to the clients’ CDP or clients’ sub-account with Phillip Securities Pte Ltd by 3 September 2026. 
11. Customers will receive the full allotment of the number of ETF units that they subscribe to. 
12. Customers can start trading the ETF units when the ETF is listed on SGX on 3 September 2026 at 9am. 
13. Notwithstanding anything herein contained, PSPL reserves the right at any time in its absolute discretion to (i) amend, add and/or delete any time of these Terms & Conditions without prior notification (including eligibility and qualifying terms and criteria), and all participants shall be bound by such amendments, additions and/or deletions when effected, or (ii) vary, withdraw, or cancel any items or the promotion without having to disclose a reason thereof and without any compensation or payment whatsoever. PSPL’s decision on all matters relating to the promotion shall be final and binding on all participants. 
14. In the event of a dispute over the client’s eligibility to participate in this Promotion, PSPL’s decision will be final. PSPL shall not be obliged to give any reason on any matter concerning the Promotion and no correspondence or claims will be entertained. 
15. By taking part in this promotion, the customer acknowledges that he/she has read and consented to these Terms & Conditions. 

Terms and Conditions for $500 Cash Credit

1. Customers will receive S$10 cash credit for every S$5,000 subscription into CGS Fullgoal Singapore Next 50 Active ETF, provided that they hold their subscription from 3 September 2026, the listing date of the fund, to 2 October 2026 (the Minimum Holding Period”).
2. The Campaign period is from 6 August, Thursday at 9am to 25 August 2026, Tuesday at 5pm.
3. The Cash Credit is capped at S$500 per POEMS account. 
4. The Cash credits is to be provided to the first 300 eligible clients of PSPL who invest in the ETF during the IOP. 
5. The Cash Credit will be credited to your Account within one month after the holding period. 
6. Notwithstanding anything herein contained, PSPL reserves the right at any time in its absolute discretion to (i) amend, add and/or delete any time of these Terms & Conditions without prior notification (including eligibility and qualifying terms and criteria), and all participants shall be bound by such amendments, additions and/or deletions when effected, or (ii) vary, withdraw, or cancel any items or the promotion without having to disclose a reason thereof and without any compensation or payment whatsoever. PSPL’s decision on all matters relating to the promotion shall be final and binding on all participants. 
7. In the event of a dispute over the client’s eligibility to participate in this Promotion, PSPL’s decision will be final. PSPL shall not be obliged to give any reason on any matter concerning the Promotion and no correspondence or claims will be entertained. 
8. By taking part in this promotion, the customer acknowledges that he/she has read and consented to these Terms & Conditions. 

Disclaimer

This advertisement is intended for general information only and does not constitute a recommendation, an offer or solicitation to buy or sell any investment products mentioned herein. It does not have any regard to your specific investment objectives, financial situation or any of your particular needs.
Investments are subject to investment risks including the possible loss of the principal amount invested. The value of any investments and the income from them may fall as well as rise. The risk of loss in leveraged trading can be substantial and you could lose in excess of your initial funds.
You may wish to obtain advice from a financial adviser before investing in any investment products mentioned herein. In the event that you choose not to obtain advice from a financial adviser, you should consider whether the investment product is suitable for you. You are advised to read the trading account Terms & Conditions and Risk Disclosure Statement (available online at www.poems.com.sg) before trading in investment products. This advertisement has not been reviewed by the Monetary Authority of Singapore.

POEMS Welcome Gifts - Cash Plus Account

Invest in Something
That Lasts.

Receive up to S$990 in Rewards!

Open An Account

• How to qualify

Three simple steps to Receive 

your welcome gift

Meet these requirements during the campaign period to unlock your rewards

1

New to POEMS

Be a new customer to Phillip Securities Pte Ltd (PSPL).

2

Open a Cash Plus Account

Or get referred and open a Cash Management Account during the promotion period.

3

Opt into SMART Park

Within 14 days of account opening to grow your idle cash.

• Begin with confidence

Account Opening Rewards

Support from our equity specialists and research analysts, plus a vibrant community of
investors — from day one.

0 Commission on US Stocks

Trade US stocks and ETFs with zero commission for a lifetime with our Cash Plus Account.

True Zero

Free Live Price & SGX Market Depth

Real-time SGX market data and enhanced market depth at no cost. Some feeds require opt-in on POEMS 2.0 Web or POEMS Mobile 3 App.

0% Sales Charge on Unit Trusts

Invest in unit trusts with no sales charge, so more of your capital goes to work. CPF and SRS available.

• Welcome gift tiers

Unlock Bigger Rewards as You Fund

Choose your funding tier and receive US/SG Stock Coupons to offset eligible stock
purchases, based on your net cumulative deposit.

Tier 1

S$50*

5 × S$10 US/SG Stock Coupons

+ 1,000 POEMS Coins

Fund Account within 14 days	S$3,000
Holding period for the funds	30 days
Coupon expiry	90 days

Tier 2

S$200*

10 × S$20 US/SG Stock Coupons

+ 3,000 POEMS Coins

Fund Account within 14 days	S$10,000
Holding period for the funds	30 days
Coupon expiry	90 days

Open An Account

*T&Cs Apply. 

• New · POEMS Raffle tICKETS

Your Funding Also Earns POEMS Coins

Earn POEMS Coins along with your Stock Coupons once the 30-day holding period of funds is being fulfilled.

Use 1,000 POEMS Coins for a chance to Win the Grand Prize: a PAMP Suisse Lady Fortuna 2.5g Gold Bar!

GRAND PRIZE · 3 WINNERS

PAMP Suisse Lady Fortuna 2.5g gold bar

One bar per winner.

CONSOLATION · 50 WINNERS

S$20 US/SG Stock Coupon

One coupon per winner.

1,000 coins

Credited with Tier 1

Eligible for 1 raffle entry

3,000 coins

Credited with Tier 2

Eligible for 3 raffle entries

More in the app

Top up your balance through the onboarding quest, daily check-ins and quests in POEMS Mobile.

Existing customers can enter too

See How The Raffle Tickets Works

• Take it further

Go further with CFD

Activate a POEMS CFD Account and enjoy extra welcome rewards built to maximise your
first 30 days.

01

Opt in to CFD

0 US Equity CFD commission for
30 days

02

Fund at least S$3,000 within 14 days of CFD account opening.

03

Hold the funds for at least 30
days from account opening.

04

Execute at least 3 eligible CFD
trades within 60 days.

Receive S$50 in Cash Credits

Open a CFD Account Sep 2026 Roadshow Shoutout

Check out our roadshow for exclusive quests and prizes!

Bring a Friend

Bring a friend to the roadshow to open and fund an account

Get a S$10 FairPrice voucher

Get a S$10 FairPrice voucher

App review

Leave a review on our app to play the claw machine

Win exclusive POEMS merchandise

Win merchandise

Share your experience

Share a story on Facebook or Instagram and tag us at the roadshow! 

Win a FREE Keychain

Exclusive rewards

Join the Adventure

Unlock More Rewards
at our Roadshow!

	Jurong Point | T1 @ Level 1 (in front of SK Jewellery)
	21 - 27 Sep | 11am - 9pm daily

T&Cs Apply.

T&Cs Apply.

Refer Friends

Earn bonus rewards when friends join and fund 

Snap & Earn

Spot our online ad and unlock extra perks onsite 

Engage & Win

Open, fund or review to play and win prizes 

The Platform That Started It All.

Thank You For The 50 Years Together

POEMS pioneered online trading in 1996 — and 50 years on, the same platform now lives in
your pocket. Trade 26 markets including SG, US, HK and many more from one app, backed by 1,000+ specialists.

Invest in something that lasts.

True Zero. Built for Singapore.

Open a Cash Plus Account, fund within 14 days, and claim up to S$200 in stock coupons.

Open An Account

Frequently Asked Questions

FAQs for Welcome Gifts Promotion

1. I am an existing Customer of Phillip Securities Pte Ltd (PSPL) and do not own a Cash Plus Account. Am I eligible for the Welcome Gifts if I open a new Cash Plus Account within the promotion period?
   
   1. No, only Customers who are new to PSPL and have opened a Cash Plus Account within the promotion period are eligible.

2. When will I receive the Account Opening Rewards upon successful Account opening?
   
   1. The following rewards will be automatically activated upon successful account opening:
      • 0% Sales Charge on Unit Trusts
      • Free Live Prices for SGX & US (Asian Hours)
      • SGX Enhanced Market Depth access (free until 30 November 2026)
      • For the Zero US Commission Reward, it will be activated within 5 working days upon successful Account opening. You will receive an email notification once it has been activated.
   2. For Free Live Prices for US (NASDAQ & NYSE), and US Options, you will be required to activate the feature on POEMS 2.0 Web and/or POEMS Mobile 3 App.
      
      1. Login to POEMS 2.0 web > ‘Market Data & Rewards’ > ‘New Subscriptions’ > tick the boxes for the Live Prices > complete the subscriber agreement and submit > click ‘Submit New’ > Enter your password for confirmation. 
      2. Login to POEMS Mobile 3 App > Me Tab > Market Data under Forms, section > Subscribe US (NASDAQ, NYSE, AMEX), MY (BURSA), TH (SET), and US Options

3. Will I be eligible for the Tier 1 Fund Reward if I make an initial deposit of S$1,000 and top up S$2,000 within 14 days from the Account opening date?
   
   1. Yes. You will be eligible to receive the Tier 1 Fund Reward if your combined deposits total at least S$3,000 within 14 days of Account Opening and provided that you also hold the funds for at least 30 days from the date of funding without withdrawal or transferring.

4. When will I receive the Stock Coupons upon fulfilling the requirements? 
   
   1. The Stock Coupons can be redeemed upon receiving the email notification and/or App notification. Please ensure that your app notification for POEMS Mobile 3 is turned on. To receive your Stock Coupons, please login to the POEMS Mobile 3 App and navigate to ‘Me’ Tab > ‘Rewards’ to redeem and execute the eligible trade within the simulated time period as stated in the Coupon.

5. When does the promotion run?
   
   1. The promotion period is from 1 September 2026 to 1 November 2026, both dates inclusive. You must open your Account within the promotion period to be eligible for the Welcome Gifts.

6. How long do I get the free SGX Enhanced Market Depth access?
   
   1. Free SGX Enhanced Market Depth access is granted automatically upon successful Account opening and will end on 30 November 2026. Access will lapse automatically after that date unless you take up a paid subscription.

FAQs for CFD Welcome Gifts Promotion

1. I have opened a Cash Plus Account and received the Welcome Gifts. Can I also receive the CFD Account Welcome Gift?
   
   1. Yes. The CFD Account Welcome Gift is a separate account opening promotion with its own requirements and its own reward. It requires a separate CFD Account, funded separately. Meeting the requirements of one promotion does not affect your eligibility for the other.
2. Does the money I fund into my CFD Account count towards the Tier 1 or Tier 2 Fund Reward?
   
   1. No. Each Account must be funded separately. Only fresh funds deposited into your Cash Plus Account count towards the Tier 1 and Tier 2 Fund Rewards, and only funds deposited into your CFD Account count towards the CFD Account Welcome Gift.
3. Can I use my Stock Coupons on CFD trades?
   
   1. No. Stock Coupons are not issued to CFD Accounts and cannot be used on CFD trades. Stock Coupons are valid for cash BUY trades in the US and Singapore markets only.

Terms & Conditions

T&Cs for Welcome Gifts

1. Eligibility Criteria:
   
   1. Customers new to Phillip Securities Pte Ltd (“PSPL”) who open a Cash Plus Account and opt-in to Excess Funds Management Facility (SMART Park) from 1 September 2026 to 1 November 2026
   2. Customers who open a Cash Plus Account but do not opt-in to Excess Funds Management Facility (SMART Park) within 14 days of Account Opening will not be eligible to receive the Welcome Gifts
2. Rewards:
   
   1. Account Opening:
      
      1. 0% Sales Charge on Unit Trust
      2. Free Live Prices for SGX and US Asian Hours
      3. Free Live Prices for US (NASDAQ, NYSE, AMEX), MY (BURSA), TH (SET), and US Options for non-professionals. Please opt in here.
      4. Free SGX Enhanced Market Depth Access until 30 November 2026
   2. Fund Reward:
      
      1. For Tier 1, customers receive S$50 (S$10×5) Stock Coupons and 1,000 POEMS Coins when they fund at least S$3,000 within 14 days of Account opening (“Initial Capital”) and hold the funds for at least 30 days
      2. For Tier 2, customers receive S$200 (S$20×10) Stock Coupons and 3,000 POEMS Coins when they fund at least S$10,000 within 14 days of Account opening (“Initial Capital”) and hold the funds for at least 30 days
   3. Stock Coupon refers to reward that can be used to offset the cost of an eligible stock trade.
   4. Initial Capital must remain in the Account for at least 30 days. It can be used for BUY trades, but it cannot be withdrawn or transferred.
   5. The deposit must be fresh funds transferred from the Customer’s bank account, and does not include funds transferred within PSPL Accounts, cash dividends, sales proceeds or Account credit transactions.
   6. Customers must ensure that their Net Cumulative Deposit amount does not fall under S$3,000/S$10,000 to be eligible for the Fund Reward based on the tier respectively.
   7. Net Cumulative Deposit refers to accumulated deposit amount, calculated from the day the Customers make and maintain their initial deposits for 30 days. Capital gains and losses are excluded.
   8. The calculation of Net Cumulative Deposit is done daily. All withdrawals made during the holding period will reduce the Customers’ daily Net Cumulative Deposit.
   9. Holding Period refers to the period during which funds remain in the Account without being withdrawn, transferred, or moved from one Account to another.
   10. If the daily Net Cumulative Deposit falls below S$10,000 but remains at or above S$3,000, Customers will be eligible for the Tier 1 Reward.
   11. If the daily Net Cumulative Deposit falls below S$3,000, Customers will not be eligible for any Fund Reward.
   12. POEMS Coins refer to campaign points you earn by completing eligible actions on the POEMS Mobile 3 App.
   13. The full list of eligible actions and the number of Coins awarded for each is published on the POEMS Mobile 3 App under ‘Me’ Tab > ‘Rewards’. 
   14. POEMS Coins have no monetary value and cannot be exchanged for cash.
3. Activation and Crediting of Rewards
   
   1. Account Opening Rewards:
      
      1. 0% Sales Charge on Unit Trust will be granted upon Account opening.
      2. Free Live Prices for SGX and US Asian Hours will be granted upon Account opening.
      3. Free Live Prices for US (NASDAQ, NYSE, AMEX), and US Options for non-professionals.
         
         1. Login to POEMS 2.0 web > ‘Market Data & Rewards’ > ‘New Subscriptions’ > tick the boxes for the Live Prices > complete the subscriber agreement and submit > click ‘Submit New’ > Enter your password for confirmation.
         2. Login to POEMS Mobile 3 App > Me Tab > Market Data under Forms, section > Subscribe US (NASDAQ, NYSE, AMEX), MY (BURSA), TH (SET), and US Options
      4. Free subscription for SGX Enhanced Market Depth Access would be granted automatically.
   2. Tier 1 or 2 Fund Reward:
      
      1. Customers are required to download and login to POEMS Mobile 3 App within 30 days of Account Opening, in order to receive the Tier 1 or 2 or 3 Fund Reward, once they have fulfilled the requirements.
      2. Customers will be notified via POEMS Mobile 3 App (please ensure that App push notifications are enabled on your mobile device) and by Email once they qualify for the reward.
      3. The Coupon will expire 90 days from the date of issuance, 0200 hours (GMT+8).
      4. Once redeemed, the Coupon cannot be reissued.
      5. Eligibility Criteria of the Stock Coupon:
         
         1. BUY stocks only
         2. SG/US Market only
         3. Cash trades only
         4. Online trades only
         5. A minimum contract value of S$100/US$100
      6. This Coupon is valid for one-time use only and is non-refundable, non-transferable, and cannot be exchanged for cash.
      7. Once activated, the Coupon cannot be deactivated or reissued.
      8. This Coupon will be automatically applied to the first successful eligible trade executed, after activation and before its expiry.
      9. The rebate, up to the contract value, will be credited to the eligible Account within 5 working days following the successful eligible trade
      10. If the Coupon is not activated and/or a successful eligible trade is not executed within the validity period, the Coupon will be forfeited, and no rebate will be issued.
      11. If multiple Stock Coupons are active, the one with the nearest expiration date will be used up first by default. If the Coupons have the same expiry date, the Coupon that was activated first by the Customer will be used by default.
      12. If the Customer holds multiple trading Accounts, the Account performing the first successful eligible trade will receive the rebate, regardless which Account the Coupon was activated in. For example, a Customer has two Accounts, Account A and Account B. The Customer activates the Coupon in Account A, but later performs a successful eligible trade using Account B. In this case, Account B will be awarded the rebate.
      13. Activated refers to the successful redemption of a stock coupon by logging into the POEMS Mobile 3 app, going to Me > Rewards > My Rewards Inventory, and swiping to redeem the coupon. Once activated, the coupon can be used to offset the purchase amount of an eligible buy trade in Singapore or U.S. stocks.
      14. Deactivated means that the stock coupon has been disabled and is no longer valid for use.
      15. Rebates refer to the cash credits you earn after executing an eligible trade.
4. This Promotion is not applicable to:
   
   1. Joint Account(s)
   2. PSPL institutional Customers and corporate Customers
   3. PSPL and its associated entities and subsidiaries (direct or indirect), e.g. Staff, Trading Representatives and Financial Adviser Representatives.
5. By redeeming this item, you acknowledge that you have read and consented to these Terms and Conditions.
6. Phillip Securities Pte Ltd (“PSPL”) reserves the right at any time in its absolute discretion to (i) amend, add to, and/or delete at any time of these Terms & Conditions without prior notice (including eligibility and qualifying terms and criteria), and all Customers shall be bound by such amendments, additions and/or deletions when effected, or to (ii) vary, withdraw, and/or cancel any items or the promotion itself without having to disclose a reason, and without any compensation or payment whatsoever. PSPL’s decisions on all matters relating to the promotion are final and binding on all Customers.
7. PSPL and its affiliates and their respective employees and agents shall not be liable to any person for any loss, damage, injury, costs or expenses incurred, suffered, borne or arising from this promotion.
8. By redeeming this item from your Rewards page, you acknowledge that you have read and consented to these Terms and Conditions.
9. Days refer to calendar days.
10. The following Customers are NOT eligible for this promotion unless approved by the management of PSPL:
    
    1. Customers who have any existing Accounts with PSPL
    2. Customers who have closed any Accounts with PSPL before
    3. Corporate Accounts and Joint Account holders
    4. All employees of PSPL’s entities and its partners (e.g., trading representatives, financial advisors) and their immediate families (e.g., spouse and children).
11. This advertisement has not been reviewed by the Monetary Authority of Singapore.

T&Cs for CFD Welcome Gifts

1. The Promotion will run from 1 September 2026 to 1 November 2026, both dates inclusive (“Promotion Period”). 
2. Customers who open a POEMS CFD Account (“Eligible Account”) during the promotion period, and do not have any existing POEMS CFD Account(s) with Phillip Securities Pte Ltd (“PSPL”) 
3. 0 Commission for US Equity CFD Trading Rewards 
   • Eligible Accounts will be awarded 0 commission on US Equity CFD trades for 30 days. 
   • Only applicable to ONLINE trades executed through POEMS’ suite of platforms. (Excluding POEMS CFD MT5) 
   • Customers will receive an email notification once the 0 Commission for US Equity CFDs has been activated for their Account. 
   • The 0 Commission for US Equity CFDs will be valid for 30 days from the date of activation. 
   • PSPL will not be liable to compensate for any commission charges incurred on US equity CFD trades prior to the activation of the 0 Commission Reward. 
   • Overnight financing charges and other prevailing charges are still applicable. 
4. Fund and Trade Reward 
   • Eligible Account will need to make an initial deposit of S$3,000 or more within 14 days of Account opening (“Initial Capital”), hold the funds for at least 30 days, and execute at least 3 Eligible Trades within 60 days from Account opening (“Qualifying Trade Period”) to receive S$50 in Cash Credits. 
   • An “Eligible Trade” refers to any CFD trade that is not a liquidation trade. 
   • Only applicable to ONLINE trades executed through POEMS’ suite of platforms (Excluding POEMS CFD MT5) 
   • Initial Capital must remain in the CFD Account for at least 30 days. It can be used for trading but cannot be withdrawn or transferred. 
   • Amalgamated trades (BUY and Sell trades of the same counter for the same market done on the same trading day) are considered as one trade. 
   • Your Account must have more than S$0 by the end of the 60 days after Account opening. 
   • If you have more than one Account, only the Account with most Eligible Trades will be eligible for the Reward.   
   • The Cash Credit will be posted to your Account within 60 days after the end of the Qualifying Trade Period. The Fund & Trade Reward is limited to the first 1,000 Eligible Accounts who meet the funding and trading criteria.  
5. The following Customers are NOT eligible to participate in this promotion unless approved by the management of PSPL:   
6. Customers who have any existing CFD Accounts with PSPL.  
7. Customers who have closed any CFD Accounts with PSPL before.  
8. Corporate Accounts and Joint Account holders. All employees of PSPL and its associated entities, subsidiaries and partners (e.g. trading representatives, financial advisor representatives, other contractual representatives etc.) and their immediate families (e.g. spouse and children).   
9. By taking part in the promotion, you agree and consent to PSPL sending relevant information to third-party service providers to facilitate the delivery and redemption of the Reward. In the event of a dispute over the Customer’s eligibility to participate in this promotion, PSPL’s decision will be final. 
10. Days refer to calendar days. 
11. Notwithstanding anything herein contained, PSPL reserves the right at any time in its absolute discretion to (i) amend, add and / or delete these Terms and Conditions without prior notification (including eligibility; replacement of the prize; promotional mechanics, promotion duration without prior notification, qualifying terms and criteria), and all participants shall be bound by such amendments, additions and / or deletions when effected, or (ii) vary, withdraw, or cancel any items or the promotion without having to disclose a reason thereof and without any compensation or payment whatsoever. PSPL’s decision on all matters relating to the promotion shall be final and binding on all participants. 
12. This promotion is intended for general information only and does not constitute a recommendation, an offer or solicitation to buy or sell the product mentioned. It does not have any regard to your specific investment objectives, financial situation or particular needs. Investments are subject to investment risks. The risk of loss in leveraged trading can be substantial and you could lose in excess of your initial funds. This product may not be suitable for clients whose investment objective is preservation of capital and/or whose risk tolerance is low. You may wish to obtain advice from a financial adviser before investing in any investment products. You are advised to read the trading account Terms & Conditions and Risk Disclosure Statement (available online at www.phillipcfd.com) before trading in this product. 
13. This advertisement has not been reviewed by the Monetary Authority of Singapore. 
14. By taking part in this promotion, the participant acknowledges that he / she has read and consented to these Terms & Conditions, and Disclaimers. 

Disclaimer

This advertisement is intended for general information only and does not constitute a recommendation, an offer or solicitation to buy or sell any investment products mentioned herein. It does not have any regard to your specific investment objectives, financial situation or any of your particular needs. Accordingly, no warranty whatsoever is given and no liability whatsoever is accepted for any loss arising whether directly or indirectly as a result of your acting based on this information.
Investments are subject to investment risks including the possible loss of the principal amount invested. The value of any investments and the income from them may fall as well as rise. The risk of loss in leveraged trading can be substantial and you could lose in excess of your initial funds.
You may wish to obtain advice from a financial adviser before investing in any investment products mentioned herein. In the event that you choose not to obtain advice from a financial adviser, you should consider whether the investment product is suitable for you before proceeding to invest and we do not offer any advice in this regard unless mandated to do so by way of a separate engagement. You are advised to read the trading account Terms & Conditions and Risk Disclosure Statement (available online at www.poems.com.sg) before trading in investment products. Any CFD offered is not approved or endorsed by the issuer or originator of the underlying securities and the issuer or originator is not privy to the CFD contract.

This advertisement has not been reviewed by the Monetary Authority of Singapore.

OPEN ACCOUNT OPEN ACCOUNT

Campaign Period: 9 Jul 2026 to 30 Sep 2026

Get Started in 3 Simple Steps

Step 1

Sign in via the POEMS Mobile 3 App, or Open an Account if you’re new.

Step 2

Execute two eligible Buy Trades in any of the four SocGen Gold & Silver DLCs, with a minimum trade value of S$1,000 per trade, and receive an S$88 Cash Credit.

Gold DLCs

GLD US 5xLongSG280609

GLD US 5xShortSG280609

Silver DLCs

SLV 3xLongSG280609

SLV 3xShortSG280609

Step 3

Trade any SGX-listed SocGen DLCs with a minimum cumulative buy value of S$100,000 by 30 Sep 2026 to qualify for S$300 Cash Credit.

Your Gold & Silver Trade Starts with SocGen DLCs

BULLISH

GLD US 5xLongSG280609

GLD US 5xLongSG280609 is a SocGen DLC with a leverage factor of 5x, providing leveraged long exposure to gold price movements.

GLDW

SLV 3xLongSG280609

SLV 3xLongSG280609 is a SocGen DLC with a leverage factor of 3x, providing leveraged long exposure to silver price movements.

SLSW

UNDERLYING

SPDR Gold Shares (U.S.)

iShares Silver Trust

BEARISH

GLD US 5xShortSG280609

GLD US 5xShortSG280609 is a SocGen DLC with a leverage factor of -5x, providing inverse exposure to gold price movements.

GOSW

SLV 3xShortSG280609

SLV 3xShortSG280609 is a SocGen DLC with a leverage factor of -3x, providing inverse exposure to silver price movements.

SVSW

Events Lineup

Navigating the Precious Metals Market: Gold & Silver Outlook for Investors

9 Jul, Thu 2026 07:00 PM - 08:00 PM

Mr Marcus Ng | VP of Cross Asset Listed Distribution (APAC) | Societe Generale & Mr Teo Huan Zi | Dealing Manager | Phillip Securities Pte Ltd

SGX Centre 1, 2 Shenton Way #02-02 Singapore, 068804

Navigating the Precious Metals Market: Gold & Silver Outlook for Investors

9 Jul, Thu 2026 07:00 PM - 08:00 PM

Mr Marcus Ng | VP of Cross Asset Listed Distribution (APAC) | Societe Generale & Mr Teo Huan Zi | Dealing Manager | Phillip Securities Pte Ltd

Zoom

What is a Daily Leverage Certificate?

A Daily Leverage Certificate (DLC) is a form of structured financial instrument issued by banks and traded on the securities market. DLCs offer investors fixed leverage of 3 to 7 times the daily performance of an underlying index, be it a rising or falling market. The basic principle is simple – if the underlying index moves by 1% from its closing price of the previous trading day, the value of the 3x DLC will move by 3%.

Why Trade Daily Leverage Certificates?

Long & Short Opportunities

DLCs provide up to 7 times leverage on the daily performance of an underlying index. This allows investors to amplify market exposure and potentially enhance returns from market movements.

Long & Short Opportunities

DLCs enable investors to take advantage of both rising and falling market movements through Long and Short DLCs. This allows investors to pursue opportunities regardless of market direction.

Low Capital Outlay

DLCs provide enhanced market exposure with a lower capital outlay, while losses are limited to the amount invested. This allows investors to optimise capital usage while maintaining defined risk exposure.

No Margin Requirements

DLCs can be traded without margin calls, implied volatility impact, or time decay. This allows investors to focus on market movements without the complexities of margin financing.

Trade with No Minimum Commission Fee

Trade Daily Leverage Certificates, keep costs low, and capture every market opportunity.

Example: Customer invests S$3,000 in a DLC that has a price of $1.00 per share.

	Cash Management Account		Cash Plus Account
	Before 02/03/2026*	Now
SGX-listed DLC traded price	S$1.00	S$1.00	S$1.00
Quantity Purchased	3,000 units	3,000 units	3,000 units
Gross Amount	S$3,000	S$3,000	S$3,000
Commission	S$25 (Fees calculated at 0.28% or minimum S$25, for Cash Management Account with contract value below S$50,000)	S$8.40 (0.28% x $3,000) (Fees calculated at 0.28%, for Cash Management Account with contract value below S$50,000)	S$2.40 (0.08% x $3,000) (Fees calculated at 0.08%, for Cash Plus Account: Starter tier)
Commission Saved		S$16.60

*Online commission shown does not include any promotional discounts.

Note: The above examples do not include Exchange Fee and GST.

For pricing of other account types, please refer here.

Frequently Asked Questions

Am I required to register first before I participate in this promotion?

No, registration is not required. Your Account will be automatically tracked when you execute eligible trades during the campaign period.

How do I qualify for the S$88 Cash Credit?

To qualify, a POEMS account holder must:

Execute two eligible Buy Trades in any of the four SocGen Gold & Silver DLCs, with a minimum trade value of S$1,000 per trade.

Gold DLCs

GLD US 5xLongSG280609

GLD US 5xShortSG280609

Silver DLCs

SLV 3xLongSG280609

SLV 3xShortSG280609

How do I qualify for the S$300 Cash Credit?

To qualify, a POEMS account holder must:

Trade ANY SGX-listed SocGen DLCs with a minimum total buy value of S$100,000 between 9 Jul 2026 and 30 Sep 2026.

What are the benefits of trading DLCs?

As a leverage product, Daily Leverage Certificates (DLC) give investors  increased exposure to an underlying asset with the potential for higher returns. The leverage of a DLC can be 3, 5 or 7 times. Based on 5x leverage, if the underlying asset, typically a single stock or index, moves 2% in favour from its previous closing price, you earn a 10% gain on the DLC (2% * 5 = 10%). However, if the underlying asset moves in the direction against your position, you could experience a -10% loss. 

How do I identify if the DLC listed is issued by Societe Generale?

You can identify the Issuer by the name of the DLC. Let’s use the counter Meituan for example: PSIW (5x Long Meituan)

Counter Code: PSIW

Underlying asset: Meituan (3690.HK)

Issuer: (SG = Societe Generale)

Expiry Date (DDMMYYYY): 20/01/2028

I am a Cash Trading Account holder. Am I eligible for this promotion?

No, Cash Trading Account holders are not eligible for this promotion. You may consider opening an eligible Account type or converting your Cash Trading Account to a Cash Management Account.

Terms & Conditions

T&Cs for S$300 Cash Credit

1. This promotion is valid from 9 Jul 2026 to 30 Sep 2026, and is open to new and existing Customers of Phillip Securities Pte Ltd (“PSPL”).
2. Promotion Details:
   • Trade SocGen Daily Leverage Certificates with a total buy value of minimum S$100,000 to receive S$300 in Cash Credit.
   • Eligibility Criteria:
     • BUY trades only
     • SGX listed SocGen Daily Leverage Certificates
     • Cash trades only
     • Online trades only
     • Accounts used for trading of Daily Leverage Certificates must be either Cash Plus, Margin (M), Custodian (C), Prepaid Custodian (CC), Cash Management (KC) and/or Share Financing (V) Accounts.
3. BUY or SELL trades of the same SGX-listed counter executed on the same trading day via POEMS Trading Platforms, using the same account and payment mode (Cash/SRS), will be amalgamated and considered as one (1) trade, as only one commission is charged for such trade orders. Please refer to HERE for more information.
4. Crediting of Rewards:
   • The S$300 Cash Credit will be credited to the eligible Account within the month of October 2026 after the completion of Successful Trades.
   • “Successful Trades” refer to BUY trades of Gold & Silver Daily Leverage Certificates that are successfully executed and settled within the Promotion Period. Trades that are cancelled, rejected, or not successfully settled will not be eligible.
   • Each Customer is entitled to only one (1) Reward of S$300 during the Promotion Period, regardless of the number of Eligible Accounts through which the Customer places SocGen DLCs trades.
   • The Cash Credit is to be provided to the first 100 eligible clients of PSPL who invest during the promotion period.
5. This Promotion is not applicable to
   • Cash Account(s)
   • PSPL institutional Customers and corporate Customers
6. In the event of a dispute over the Customer’s eligibility to participate in this promotion, PSPL’s decision will be final.
7. Phillip Securities Pte Ltd (“PSPL”) reserves the right at any time in its absolute discretion to (i) amend, add to, and/or delete at any time of these Terms & Conditions without prior notice (including eligibility and qualifying terms and criteria), and all Customers shall be bound by such amendments, additions and/or deletions when effected, or to (ii) vary, withdraw, and/or cancel any items or the promotion itself without having to disclose a reason, and without any compensation or payment whatsoever. PSPL’s decisions on all matters relating to the promotion are final and binding on all Customers.
8. PSPL and its affiliates and their respective employees and agents shall not be liable to any person for any loss, damage, injury, costs or expenses incurred, suffered, borne or arising from this promotion.
9. By taking part in this promotion, the participant acknowledges that he/she has read and consented to these Terms & Conditions.
10. This advertisement has not been reviewed by the Monetary Authority of Singapore.

T&Cs for S$88 Cash Credit

1. This promotion is valid from 9 Jul 2026 to 30 Sep 2026, and is open to new and existing Customers of Phillip Securities Pte Ltd (“PSPL”).
2. Promotion Details:
   • Execute two eligible Buy Trades in any of the four SocGen Gold & Silver DLCs, with a minimum trade value of S$1,000 per trade, and receive an S$88 Cash Credit.
   • Eligibility Criteria:
     • Minimum of two (2) eligible Buy Trades
     • Minimum trade value: S$1,000 per trade
     • 4 selected Gold & Silver DLCs Counters:
       1. GLD US 5xLongSG280609
       2. GLD US 5xShortSG280609
       3. SLV 3xLongSG280609
       4. SLV 3xShortSG280609
     • Cash trades only
     • Online trades only
     • Accounts used for trading of Daily Leverage Certificates must be either Cash Plus, Margin (M), Custodian (C), Prepaid Custodian (CC), Cash Management (KC) and/or Share Financing (V) Accounts.
3. At least TWO BUY trades on Gold & Silver DLCs must be executed, with a minimum trade value of S$1,000 per trade.
4. BUY or SELL trades of the same SGX-listed counter executed on the same trading day via POEMS Trading Platforms, using the same account and payment mode (Cash/SRS), will be amalgamated and considered as one (1) trade, as only one commission is charged for such trade orders. Please refer to HERE for more information.
5. Crediting of Rewards:
   • The S$88 Cash Credit will be credited to the eligible Account within the month of October 2026 after the completion of Successful Trades.
   • “Successful Trades” refer to BUY trades of Gold & Silver Daily Leverage Certificates that are successfully executed and settled within the Promotion Period. Trades that are cancelled, rejected, or not successfully settled will not be eligible.
   • Each Customer is entitled to only one (1) Reward of S$88 during the Promotion Period, regardless of the number of Eligible Accounts through which the Customer places Gold & Silver DLCs trades.
   • The Cash Credit is to be provided to the first 100 eligible clients of PSPL who invest during the promotion period.
6. This Promotion is not applicable to
   • Cash Account(s)
   • PSPL institutional Customers and corporate Customers
7. In the event of a dispute over the Customer’s eligibility to participate in this promotion, PSPL’s decision will be final.
8. Phillip Securities Pte Ltd (“PSPL”) reserves the right at any time in its absolute discretion to (i) amend, add to, and/or delete at any time of these Terms & Conditions without prior notice (including eligibility and qualifying terms and criteria), and all Customers shall be bound by such amendments, additions and/or deletions when effected, or to (ii) vary, withdraw, and/or cancel any items or the promotion itself without having to disclose a reason, and without any compensation or payment whatsoever. PSPL’s decisions on all matters relating to the promotion are final and binding on all Customers.
9. PSPL and its affiliates and their respective employees and agents shall not be liable to any person for any loss, damage, injury, costs or expenses incurred, suffered, borne or arising from this promotion.
10. By taking part in this promotion, the participant acknowledges that he/she has read and consented to these Terms & Conditions.
11. This advertisement has not been reviewed by the Monetary Authority of Singapore.

In collaboration with Lion Global Investors and UOB Asset Management

Promotion #1

Receive S$10 in Bonus Units

for every S$10,000 of fresh funds invested via cash subscription

Promotion Period

22 Jun – 21 Sep 2026

Maximum Bonus

S$100 in bonus units per fund

Holding Period

90 calendar days

Participating Funds

Choose from a range of funds below, designed to support your goals whether you’re building wealth, seeking income,
or managing the current volatility.

Seek Income or Yield

For investors seeking income or yield as part of their portfolio.

United Asian HY Bond

UOB United Asian High Yield Bond Fd SGD (Dis)	BUY
UOB United Asian High Yield Bond Fd SGD (Acc)	BUY
UOB United Asian High Yield Bd Fd A SGD Acc H	BUY
UOB United Asian High Yield Bd Fd A SGD Dist H	BUY
UOB United Asian High Yield Bond Fd USD (Acc)	BUY
UOB United Asian High Yield Bond Fd USD (Dis)	BUY

United SGD Fund

UOB United SGD Fund CL A (Acc)	BUY
UOB United SGD Fund CL A (Dis)	BUY
UOB United SGD Fund CL A (Acc) USD Hedged	BUY
UOB United SGD Fund CL A (Dis) USD Hedged	BUY
UOB United SGD Fund CL S SGD (Dis)	BUY
UOB United SGD Fund CL S USD (Dis) Hedged	BUY

LionGlobal Singapore Dividend Equity Fund

LionGlobal Singapore Dividend Equity Fund SGD	BUY
LionGlobal Singapore Dividend Equity Fund USD	BUY
LionGlobal Singapore Dividend Equity Fund USD-H	BUY

Build Wealth

For investors focusing on wealth accumulation through global commodities related securities.

United Gold and General Fund

United Gold and General Fund

BUY

Long-Term Capital Appreciation

For investors taking a long-term approach to sustained growth.

LionGlobal Singapore Trust Fund

LionGlobal Singapore Trust Fund SGD (Acc)

BUY

LionGlobal China Growth Fund

LionGlobal China Growth Fund	BUY
LionGlobal China Growth Fund USD	BUY

LionGlobal Asia Pacific Fund

LionGlobal Asia Pacific Fund

BUY

United China A-Shares Innovation Fund

UOB United China A-Shares Innovation Fd Cl A SGD (Acc)

BUY

United Asia Fund

UOB United Asia Fund Class A SGD ACC	BUY
UOB United Asia Fund Class A SGD Dis	BUY

Diversify & Hedge

For investors looking to diversify their portfolio and manage risk through alternative assets.

LionGlobal Singapore Physical Gold Fund

LionGLobal Physical Gold Fund SGDH Cl A	BUY
LionGLobal Physical Gold Fund SGD Cl A	BUY
LionGLobal Physical Gold Fund USD Cl A	BUY

Three Simple Steps to Receive Your Bonus Units

1

Invest

Invest in any Participating Fund through your POEMS or Advisory Account via cash subscription only, on fresh funds.

2

Hold

Hold your investment for a minimum of 90 consecutive calendar days to qualify.

3

Receive

Bonus units are credited into the same fund within 120 calendar days after the promotion ends.

Eligible Accounts

POEMS Account:

Cash Plus, Cash Management, Margin, Prepaid or Custodian Account

Advisory Account:

Unit Trust Wrap or Advisory Account

Promotion #2

Be Rewarded More — Exclusive Lucky Draw

S$

610

in Bonus Units credited to the same fund you subscribed to

Earn one lucky draw chance for every S$10,000 of fresh funds invested via cash
subscription into selected Participating Funds.

How to qualify

• Successfully participate in Promotion #1 and meet all T&C requirements.
• Join and remain a member of the "Unit Trust Community" throughout the promotion and holding period, up to the 
announcement of the winner.

Join the Unit Trust Community — 5 steps

1	Log in to your POEMS Account.
2	Navigate to the "Community" tab at the bottom of the app.
3	Key in "Unit Trust" in the search bar at the top.
4	Click on the "Groups" tab.
5	Click "Join" — you're in.

One winner will be announced in Dec 2026 / Jan 2027 via the Unit
Trust Community on the POEMS Mobile 3 App.

Invest Now Join the UT Community

Terms & Conditions

Campaign Terms and Conditions

Definition

1. “PSPL x LGI x UOBAM Campaign” refers to the joint campaign between Phillip Securities Pte Ltd, Lion Global Investors Ltd. and UOB Asset Management Ltd. that customers can participate in, either one or two of the promotions stated in point 13.
2. “PSPL” refers to Phillip Securities Pte Ltd
3. “POEMS Account” refers to Cash Plus, Cash Management, Margin, Prepaid or Custodian Account.
4. “Advisory Account” refers to Unit Trust Wrap or Advisory Account.
5. “Promotion Period” refers to the period from 22 June 2026 till 21 September 2026, both dates inclusive.
6. Orders for the purchase of the selected funds stated in the table in point 13) must be received by 21st September, before 3pm.
7. “Holding Period” refers to the 90 consecutive calendar days period to keep the Participating Funds in the account with no withdrawal of funds during this period.
8. “Eligible Customer” refers to new customers who opens an Advisory/POEMS Account and existing customers who have an Advisory/POEMS Account and complete the respective Promotion criteria during the Promotion Period.
9. “Non-Eligible Customer” refers to customers who shall not qualify for the Promotion unless approved by the management of Phillip Securities Pte Ltd (“PSPL”)
   
   1. Customers who do not have an Advisory/POEMS Account namely (Advisory or Unit Trust Wrap, Cash Plus or Cash Management, Margin, Prepaid or Custodian Account)
   2. Customers whose Accounts have been suspended, cancelled or terminated.
   3. PSPL institutional Customers and corporate Customers.
10. Customers must be at least 18 years of age.
11. The following categories of persons are not eligible to participate in the Promotion: employees (e.g. staff, trading representatives, financial adviser representatives of PhillipCapital group of companies, its related entities, and their immediate families of PSPL. Immediate family means any of the following: spouse, ex-spouse, de-facto spouse, child, step-child (whether natural or by adoption), parent, step-parent, grandparent, step-grandparent, uncle, aunt niece, nephew, mother, sister, step-brother, step-sister or first cousin.
12. “Qualified Customer” refers to Eligible Customers who complete either one or both Promotion criteria in point 13.
13. Promotion #1 and Promotion #2 criteria are as follows:
    

    Promotion #1

    Eligible Customers who invest fresh funds into the selected Lion Global Investors Ltd. or UOB Asset Management Ltd. funds listed below from 22 June 2026 till 21 September 2026, both dates inclusive, may receive S$10 worth of bonus units* for every S$10,000 invested via cash subscription, capped at S$100 worth of bonus units* per Participating Fund, subject to fulfilment of the promotion criteria stated below.

    Promotion #1 (From 22 June 2026 till 21 September 2026, both dates inclusive)
    Eligible Accounts	Participating Funds	Holding Period	Reward
    Advisory Accounts (Advisory or Unit Trust Wrap) POEMS Accounts (Cash Plus or Cash Management, Margin, Prepaid or Custodian Account)	LionGlobal Singapore Dividend Equity Fund LionGlobal Singapore Dividend Equity Fund SGD (SG9999013460) LionGlobal Singapore Dividend Equity Fund USD (SG9999013478) LionGlobal Singapore Dividend Equity Fund USD-H (SG9999013486) LionGlobal Singapore Trust Fund LionGlobal Singapore Trust Fund SGD (Acc) (SG9999002406) LionGlobal Physical Gold Fund LionGlobal Physical Gold Fund SGD Cl A (SGXZ20357158) LionGlobal Physical Gold Fund SGDH Cl A (SGXZ74563800) LionGlobal Physical Gold Fund USD Cl A (SGXZ85871689) LionGlobal Asia Pacific Fund  LionGlobal Asia Pacific Fund (SG9999002562) LionGlobal China Growth Fund LionGlobal China Growth Fund (SG9999002463) LionGlobal China Growth Fund USD (SG9999002471) United SGD Fund UOB United SGD Fund CL A (Acc) (SG9999001382) UOB United SGD Fund CL A (Dis) (SG9999010805) UOB United SGD Fund CL A (Acc) USD Hedged (SG9999014864) UOB United SGD Fund CL A (Dis) USD Hedged (SG9999014872) UOB United SGD Fund CL S SGD (Dis) (SGXZ16137382) UOB United SGD Fund CL S USD (Dis) Hedged (SGXZ18528414) United Asian HY Bond UOB United Asian High Yield Bond Fd SGD (Acc) (SG9999010011) UOB United Asian High Yield Bond Fd SGD (Dis) (SG9999010029) UOB United Asian High Yield Bond Fd USD (Acc) (SG9999010037) UOB United Asian High Yield Bond Fd USD (Dis) (SG9999010045) UOB United Asian High Yield Bd Fd A SGD Acc H (SG9999017628) UOB United Asian High Yield Bd Fd A SGD Dist H (SG9999017636) United Gold and General Fund UOB United Gold & Gen Fd S,(G9999001143) United Asia Fund UOB United Asia Fund Class A SGD ACC (SG9999001051) UOB United Asia Fund Class A SGD Dis (SGXZ90724238) United China A-Shares Innovation Fund UOB United China A-Shares Innovation Fd Cl A SGD (Acc) (SGXZ49509284)	90 consecutive calendar days	S$10 worth of bonus units* (capped at S$100 worth of bonus units* per Participating Fund) for every S$10,000 of fresh funds invested via cash subscription

    Fresh Funds Invested Per Participating Fund	Total Fresh Funds Invested and Held for 90 Consecutive Calendar Days	Holding Period	Bonus Units
    S$10,000	S$10,000	90 consecutive calendar days	S$10
    S$20,000	S$20,000		S$20
    S$30,000	S$30,000		S$30
    : :	: :		: :
    S$100,000	S$100,000		S$100 capped

    By participating in Promotion #1, participants acknowledge and agree that:

    1. Bonus units will only be qualified for crediting upon successful completion of the 90 consecutive calendar days Holding Period. Bonus units will be distributed within 120 calendar days from the end of the Promotion Period and credited into the same Participating Fund invested in by the customer
    2. Participants may switch between funds within the Participating Fund list during the Promotion Period, and the Holding Period shall be reset and recalculated from the date of such switch.
     

    Promotion #2

    Eligible Customers may earn one (1) lucky draw chance for every S$10,000 of fresh funds invested via cash subscription into the selected Lion Global Investors Ltd. or UOB Asset Management Ltd. funds listed under Promotion #1.

    Qualifying Criteria

    To qualify for Promotion #2, customers must fulfil all of the following requirements:

    a. Successfully participate in Promotion #1 and satisfy all applicable requirements stated under the Terms and Conditions.

    b. Join and remain a member of the “Unit Trust Community” on the POEMS Mobile 3 App throughout the Promotion Period and Holding Period, up to the announcement of the Lucky Draw Winner.

    Steps to join the Unit Trust Community on our POEMS Mobile 3 App

    1. Log in to your POEMS Account
    2. Navigate to the “Community” tab located at the bottom of the app
    3. Key in “Unit Trust” in the search bar at the top of the app
    4. Click on “Groups” tab
    5. Click “Join”

    Promotion #2 (From 22 June 2026 till 21 September 2026, both dates inclusive)
    Fresh Funds Invested Per Participating Fund	Total Fresh Funds Invested and Held for 90 Consecutive Calendar Days	Holding Period	Bonus Units	Lucky Draw Chances
    S$10,000	S$10,000	90 consecutive calendar days	S$10	1
    S$20,000	S$20,000		S$20	2
    S$30,000	S$30,000		S$30	3
    : :	: :		: :	: :
    S$100,000	S$100,000		S$100 capped	10
    Customers who fulfil the criteria for Promotion #1 but do not fulfil the criteria for Promotion #2 will only be eligible for the rewards under Promotion #1. One (1) lucky draw winner will receive S$610 worth of bonus units credited into the same fund that was subscribed to. The bonus units will be credited into the winner’s Advisory Account or POEMS Account. The lucky draw winner will be selected through a randomised draw. The winner will be announced in December 2026 or January 2027 via the Unit Trust Community on the POEMS Mobile 3 App and will also be notified through the email address registered under the customer’s POEMS Account and/or Advisory Account.

14. The Lucky Draw Winner will be informed via their registered email in December 2026 or January 2027. In the event that the Lucky Draw Winner does not respond by the date stated in the email or redeem the Lucky Draw Prize by the stated expiry date, the Lucky Draw Prize will be forfeited, withdrawn or given to a reserve winner at the sole and absolute discretion of PSPL.
15. PSPL reserves the right to use any other method or medium at its sole and absolute discretion for the purpose of announcing the winner of Promotion #2.
16. By participating in Promotion #2, the Lucky Draw Winner understands that any changes made to the product purchased after the promotion entry may affect the Lucky Draw Prize eligibility and they will be automatically disqualified from eligibility if:
    
    1. They change the product that does not meet the original qualifying criteria.
    2. They cancel or replace the product with one that fails to meet the original qualifying criteria of the campaign, as stated at the time of participation.
17. By participating in Promotion #2, the Lucky Draw Winner understands that the Bonus Units will be credited into the same fund that was subscribed to.
18. PSPL reserves the right to vary the terms and conditions or withdraw both Promotions at any time without prior notice.
19. PSPL may replace, modify or withdraw the Bonus Units and/or Lucky Draw Prize at any time without notice or liability. Bonus Units and/or Lucky Draw Prize are not transferable, not exchangeable and cannot be substituted with cash or any other items.
20. PSPL shall not be liable for any incomplete, lost, late, damaged, illegible or misdirected Entries for any reason whatsoever or problems or technical malfunction of computer online systems, servers, providers or technical problems, or any combination thereof.
21. PSPL makes no representation as to the quality or performance of the Bonus Units and/or Lucky Draw Prize provided by the merchants/vendors in connection with both Promotions.
22. By participating in both Promotions, the Participants acknowledge and accept that the use of each Bonus Units / Lucky Draw Prize is subject to the terms and conditions set forth in this Campaign.
23. PSPL decisions in all matters related to the Bonus Units and/or Lucky Draw Prize and the Lucky Draw winner shall be final. No correspondence or appeals shall be entertained in relation thereto.
24. In the event of any inconsistency between these terms and conditions and other marketing or promotional materials, these terms and conditions shall prevail.
25. By participating both Promotions, Participants hereby agree to all the terms and conditions of participation in the campaign as set out herein, including all amendments, additions, replacements and modifications hereto as may from time to time be made by PSPL.
26. By participating in both Promotions, the Participant represents and warrants for the benefit of PSPL that the information submitted to PSPL is true, accurate, complete and up to date.
27. By participating in both Promotions, the Participants and Lucky Draw Winner must not have withdrawn their marketing consent to PSPL at the point of collecting the Bonus Units and/or Lucky Draw Prize. Doing so will result in the Participants and Lucky Draw Winner being disqualified from the Bonus Units and/or Lucky Draw Prize and forfeited.
28. The judging and determination of the eligibility of any person to participate in both Promotions and selection of Lucky Draw Winner shall be at the sole and absolute discretion of PSPL. The decisions of PSPL on all matters relating to both Promotions are final, conclusive and binding. PSPL shall not be obliged to give any reason or prior notice or enter into any correspondence with any person on any matter concerning both Promotions or its decisions and no appeal, correspondence or demands or claims will be entertained.
29. All details and particulars submitted by Participants must be accurate, true and complete. Incomplete, inaccurate and illegible Entries will be disqualified. If PSPL subsequently determines whether a person is in fact not eligible, or if a Lucky Draw Winner does not fulfil his or her obligations for any reason whatsoever, PSPL may at its discretion, disqualify the Participant and clawback/cancel any or all the Bonus Units and/or Lucky Draw Prize without prior notice.
30. The Participants acknowledge and accept that use of the Bonus Units and/or Lucky Draw Prize may be further subject to the terms and conditions of the relevant merchant providing the Bonus Units and/or Lucky Draw Prize.
31. Participants hereby assign to PSPL, all rights, title and interest in all intellectual property rights created during the registration and documentation process and to fully disclaim and waive all intellectual property rights and moral rights. If necessary, Participants shall execute all further documents and deeds necessary to effect, perfect, record or register such assignment at the Participant’s own cost.
32. PSPL is the sole owner of any and all intellectual property arising from submission of an Entry and from creation of both Promotions’ content and it may use and license others to use the Entry content and both Promotions in which Participants and/or Winner appears, in any and all media by any manner or means whether or not now known or invented, used or contemplated, throughout the world, for an unlimited number of times in perpetuity without any further payment made to Participants and/or Winner.
33. PSPL may request a valid identification of NRIC number/passport number of any Participants and/or Winner before the Bonus Units and/or Lucky Draw Prize is awarded.
34. PSPL reserves the right to forfeit any Bonus Units and/or Lucky Draw Prize for any Participants and/or Winner who does not adhere to the terms and conditions of both Promotions upon the Bonus Units and/or Lucky Draw Prize collection.
35. PSPL reserves the right to cancel, modify, suspend or delay both Promotions at its sole discretion.
36. PSPL has the right to use the names, photographs, videos and/or other submission materials of the participants and all other entries for publicity purposes without any prior notice to you. The participants shall not be entitled to claim ownership or other forms of compensation for the materials.
37. PSPL reserves the right to change, amend, delete or add to these Terms and Conditions without prior notice at any time and the Participants shall be bound by such changes.
38. By participating in both Promotions, each eligible customer is deemed to have accepted and agreed that PSPL may collect, use and disclose your personal data for the purpose of these promotions in accordance with the Personal Data Protection Act 2012 and our data protection policy.
39. By participating in both Promotions, Participants hereby agree to all the terms and conditions of participating in both Promotions as set out herein, including but not limited to the eligibility criteria, Bonus Units and/or Lucky Draw Prizes, the collection, use and transfer of personal data by PSPL, in accordance with the relevant PSPL Privacy Statement and all amendments, additions, replacements and modifications hereto as may from time to time be made by PSPL.

General Terms and Conditions

1. By participating in the Promotion, each Eligible Customer is deemed to have accepted and agreed to be bound by these terms and conditions and any other instructions, terms and conditions that PSPL may issue from time to time.
2. PSPL assumes no responsibility for incomplete, lost, late, damaged, illegible or misdirected forms or email communication, for technical hardware or software failures of any kind, lost or unavailable network connections, or failed incomplete, distorted or delayed electronic transmission which may limit an Eligible Customer’s ability to participate in the Promotion.
3. PSPL has the sole and absolute discretion to exclude any Eligible Customers from participating in the Promotion without any obligation to furnish notice and/or reason.
4. PSPL reserves the right to disqualify or disregard any Eligible Customer who does not comply with the terms and conditions.
5. PSPL may at its discretion forfeit the Promotion, or, if already awarded, reclaim the Promotion at the expense of the Eligible Customer without payment, compensation, or having to give any reason whatsoever in the event PSPL subsequently discovers that the Eligible Customer is not eligible to participate in the Promotion and/or to receive the Promotion.
6. PSPL reserves the right to replace any Promotion with items of similar value at any time without prior notice.
7. PSPL shall not be liable for any loss of, damage to, defects, delay, mis-delivery or non-delivery of the Promotion.
8. PSPL reserves the right to deal with any unclaimed Promotion in any manner it deems fit.
9. PSPL reserves the right to request for the Eligible Customers’ proof of eligibility, identity and/or otherwise for the purposes of verifying the Eligible Customers’ claim to the Promotion at the time of collection.
10. PSPL is under no obligation whatsoever to disclose the identity of the Eligible Customers or to publish the same for any reason at any point in time.
11. The Promotion is non-transferable, not exchangeable for cash, credit or any other items of equivalent value.
12. By participating in this Promotion, each Eligible Customer agrees and consents to the collection, use and disclosure of any and all personal data of the Eligible Customer by PSPL and its advertising and promotional agencies for the purpose of administering and/or publicizing the Promotion, and providing the Eligible Customer with marketing, advertising and promotional information or materials relating to the products and services that PSPL offers.
13. PSPL may at any time be at its absolute discretion, without prior notice or assigning any reason thereof or being liable to any person,
    a. suspend, cancel or terminate the Promotion, or
    b. delete, vary, supplement, amend, modify any one or more of the terms and conditions of the Promotion.
14.  PSPL’s determination of all matters in connection with the Promotion shall be final, binding and conclusive.
15. PSPL is not obliged to give any reason or prior notice on any matter concerning the Promotion Period or the Promotion. No appeal, correspondence or claims will be entertained. PSPL has the right and discretion to determine whether a party has met the requirements of the Promotion and/or to redeem the Promotion. Eligible Customers shall not be entitled to any damages or compensation whatsoever or howsoever arising as a result of such amendment, suspension or termination.
16. By participating in the Promotion, all Eligible Customers agree and undertake to, at all times, indemnify, keep indemnified, and hold PSPL, its employees and agents harmless against all losses (including direct, indirect, incidental and/or consequential losses), damages (including general, special, and/or punitive damages), demands, injuries (other than personal injury caused by PSPL‘s negligence), claims, costs, penalties, interest and fees (including all legal fees as between solicitor and Customer or otherwise on a full indemnity basis whether or not incurred in respect of any real, anticipated, or threatened legal proceedings), howsoever caused by, arising or resulting from, whether directly or indirectly, their participation in the Promotion, acceptance or usage of the Promotion, and/or any breach or purported breach of these terms and conditions and/or any applicable law.
17. PSPL makes no warranty or representation as to the quality, merchantability or fitness for purpose of the merchants’ goods and services in respect of the Promotion. Any dispute about the same must be resolved directly with the Merchant. The Merchant Terms and Conditions apply.
18. In the event of any inconsistency or discrepancy between the terms and conditions and the contents of any brochure, marketing and/or promotional materials relating to the Promotion, these terms and conditions shall prevail.
19. Any trademarks, graphic symbols, logos or intellectual property contained in any materials used in connection with this Promotion, in particular the Promotion, are the property of their respective owners. PSPL is not affiliated with, or endorsed or sponsored by, such owners and their relevant affiliates.
20. Failure by PSPL to exercise any of its right or remedy under these Terms and Conditions does not constitute a waiver of that right or remedy.
21. The Terms and Conditions shall be governed by Singapore law and the Eligible Customers agree to submit to the exclusive jurisdiction of the courts of Singapore.
22. A person who is not a party to any agreement governed by these terms and conditions shall have no right under the Contracts (Right of Third Parties) Act 2001 to enforce any of these terms and conditions.
23. In case of dispute, the decision of PSPL shall be final.
24. PSPL, its affiliates and their respective employees and agents shall not be liable to any person for any loss, damage, injury, costs or expenses incurred, suffered, borne or arising from this promotion.
25. The Eligible Customer understands that he/she is entitled to withdraw his/her consent for the collection, use and disclosure of his/her personal data by notifying the Data Protection Officer (“DPO” ) in writing. The Eligible Customer also understands that by withdrawing his/her consent may mean that PSPL is unable to proceed with the respective Promotion Redemption.
26. PSPL reserves the right at any time in its absolute discretion to
    (1) amend, add to, and/or delete at any time of these Terms & Conditions without prior notice (including eligibility and Eligible terms and criteria), and all participants shall be bound by such amendments, additions and/or deletions when effected, or to
    (2) vary, withdraw, and/or cancel any items or the promotion itself without having to disclose a reason, and without any compensation or payment whatsoever. PSPL’s decisions on all matters relating to the promotion are final and binding on all customers.
27. By taking part in this campaign, the customer acknowledges that he / she has read and consented to these Terms & Conditions.
28. This campaign will be valid from 22nd June 2026 until 21st September 2026, both dates inclusive.

Disclaimer

Important Note

This promotion is provided to you for general information only and does not constitute a recommendation, an offer or solicitation to buy or sell the investment product mentioned herein. It does not have any regard to your specific investment objectives, health, financial situation or any of your particular needs. Accordingly, no warranty whatsoever is given and no liability whatsoever is accepted for any loss arising whether directly or indirectly as a result of your acting based on this information. You should read the prospectus and product highlights sheet before deciding to subscribe for units in the respective fund.

Investments are subject to investment risks including the possible loss of the principal amount invested. The value of any investments and the income from them may fall as well as rise.

Past performance figures as well as any projection or forecast used in this publication, are not necessarily indicative of future or likely performance of any securities.

You may wish to obtain advice from a qualified financial adviser, pursuant to a separate engagement, before making a commitment to purchase any of the investment products mentioned herein. In the event that you choose not to obtain advice from a qualified financial adviser, you should assess and consider whether the investment product is suitable for you before proceeding to invest and we do not offer any advice in this regard unless mandated to do so by way of a separate engagement.

You are advised to read the trading account Terms & Conditions and Risk Disclosure Statement (available online at https://glutenfreepleasure.com/__proxy_domain/www.poems.com.sg/website-disclaimer/) before trading in investment products.

Access to services and your account may be affected by market conditions, system performance and other reasons. Third party research and information obtained from sources are deemed reliable; however, PSPL does not guarantee its accuracy or completeness and makes no warranties with respect to results to be obtained from its use.

This material and Information herein are not intended for any persons in any jurisdiction or country where such distribution or availability for use would contravene any applicable law or regulation or would subject PSPL to any registration or licensing requirement in such jurisdiction or country.

Though effort has been made to provide complete information, Phillip Securities Pte Ltd assumes no liability for the completeness of the information provided here.

Information is correct as of 25 May 2026.

This advertisement has not been reviewed by the Monetary Authority of Singapore.