How Can We Help You?

Metis Global Limited was established in Hong Kong in 2013, followed by Metis Global Cook Islands in 2016 and Metis Global Singapore 2019. As Metis Global Group, we have been around in the Trust sector for more than 8 years now.

Metis SG brings Trusts to retail investors by providing plans that are readily accessible and affordable, so that more people can benefit from the protection that a discretionary Trust provides in their financial planning journey with the following contribution options:

• Regular Contributions
• Single Contribution

Affordable Protection

Our Trust plans are designed for retail investors, and are both easily accessible and affordable. With our Trust plans, you can enjoy the benefits of a Trust with monthly contributions from as low as SGD500.

You Are in Control

Our Trust plans place the power of investment decisions in your hands. You will be able to decide on your investments, and have the ability to change your investment strategy at any time. There is also a wide range of investment options made available for you to accommodate your investment risk appetite.

Assurance For You and Your Beneficiaries

Rest assured that the assets you place into our Trust plans will be administered in accordance with the terms and conditions of the Trust, and that your intentions will remain confidential even after the Trust assets have been distributed.

No. This arrangement is not available at the moment.

Yes, Metis SG will accept contributions paid out from a remittance company provided that this arrangement has satisfied Metis SG's internal compliance checks (including any AML/CFT checks).

Yes. Offshore clients will be able to sign up for our Trust plans so long as they are able to satisfy Metis SG's onboarding requirements.

Yes, the person who creates the Trust (Settlor), may also be a beneficiary of the Trust. Under Metis SG's Trust plans, the settlor who wishes to be a beneficiary to the Trust will be the First Tier Beneficiary and he/she will need to name at least one or more (up to 5) Second Tier Beneficiaries other than himself/herself.

Yes, the settlor may opt out as a beneficiary. If the Settlor opts out, he/she will not be able to receive any distributions for himself/herself and only his/her beneficiary(ies) will receive distributions under the Trust.

No. The beneficiaries do not have the rights to request for distributions to be made to them. Metis SG, as a discretionary trustee, will exercise its discretion to make distributions in accordance with the terms and conditions of the Trust.

Yes, the Settlor is allowed to amend his letter of wishes at any time.

Upon the death of the settlor (assuming satisfactory proof has been provided to Metis SG), we will distribute the Trust assets to the beneficiaries in accordance with the terms and conditions of the Trust plans.

No. Given that this is a discretionary Trust, the settlors would not be able to customize the distribution of the trust assets and determine how much each beneficiary should receive as a distribution. However, settlors may indicate whether they wish to distribute the trust assets as a lump sum distribution or as a monthly distribution in our Letter of Wishes.

The Trust assets would be distributed in accordance with the terms and conditions of Metis SG's trust plans and reference may be taken from the settlor's Letter of Wishes. Currently, settlors are only allowed to indicate whether they wish to distribute the Trust assets as a lump sum distribution or as a monthly distribution.

Under our Letter of Wishes (“LOW”), the settlor’s wish for the entire Trust assets to be distributed to the Second Tier Beneficiaries as a monthly distribution is subject to the value of the Trust assets being more than or equal to SGD 500,000 and the monthly distribution being a minimum sum of SGD3,000; provided that once the value of the Trust assets falls below SGD 100,000, the remaining Trust assets will be distributed to the Second Tier Beneficiaries in one lump sum.

No. However, the surviving settlor can encash the trust plan (subject to exit charge, if any), and re-apply for another Trust plan with a new settlor.

Given that Metis SG's Trust plans are discretionary Trust plans, the beneficiary's right to the assets of the Trust will only crystallise where the trustee has exercised its discretion to make a distribution to the beneficiary. As such, it would be incorrect to suggest that certain assets are earmarked for certain beneficiaries.

The beneficiaries can be a person residing overseas. However, we currently do not allow the beneficiaries to be an organisation.

No. The Trustee (Metis SG) does not have any discretionary power with regard to fund switching. Our Trust plans will create a reserved power Trust where the powers of investment and asset management will be reserved to the settlor.

Yes, it is possible to re-assign policies that have been assigned to the Trust provided that the policy is re-assigned to one of the named beneficiaries under the terms and conditions of the Trust, subject to any applicable fees and charges.

SapphirePRO was developed for individuals who are looking to build up their wealth over a period of time by putting aside small amounts of money on a regular basis; while retaining their investment decisions on investment opportunities and enjoying the benefits and protection under a Trust structure.

SapphirePro offers flexible contribution frequencies and a wide range of investment options to accommodate a wide spectrum of investment risk appetite.

You are eligible for SapphirePRO provided that you are between the ages of 18 and 75 years old and are not a United States person (as defined by US securities laws).

SapphirePRO has 4 types of contribution frequencies available:

1. Monthly
2. Quarterly
3. Semi-Annually
4. Annually

Yes. We allow up to 2 settlors for joint applications and the settlors do not necessarily need to be related.

SapphirePRO’s minimum regular contribution is SGD 500 a month. The table below illustrates the total minimum regular contribution amount for the contribution frequencies available:

Currency	Monthly	Quarterly	Semi-Annually	Annually
SGD	500	1,500	3,000	6,000

You can either opt for Bank Transfer (PayNow) or Giro for your regular contribution.
However, for the 1st contribution, only credit card payment is accepted (Visa/Mastercard)

Yes. There are 2 options available if you wish to make a top-up:

1. Additional Regular Contribution

You may increase the regular contribution to your Trust plan by making additional regular contributions at a minimum regular contribution amount of $100 and payment must be made via Giro or Bank Transfer. The additional regular contribution must take effect at least five years before the Trust Plan CPT Maturity Date and will have its own initial contribution period. No Additional Regular Contribution will be accepted after the Trust Plan CPT maturity date. The table below illustrates the total minimum additional regular contribution amount for the contribution frequencies available:


Currency	Monthly	Quarterly	Semi-Annually	Annually
SGD	100	300	600	1,00



2. Additional Single Contribution

An additional single contribution can be made at any time before the Trust plan CPT Maturity Date when the Trust plan is in force. The minimum additional single contribution is SGD 3,000 and payment must be made via Bank Transfer or cheque. No Additional Single Contribution will be accepted after the Trust Plan CPT maturity date.

You may make your additional regular contributions through any of the following methods:

• GIRO
• Bank Transfer

You may make your additional single contribution through any of the following methods:

• Bank Transfer
• Cheque

Payment through credit card is not accepted.

Yes. For our Trust plans, it is known as a cooling off period. The cooling off period is 14 days from plan issuance.

We provide access to a wide selection of funds that will accommodate the full spectrum of financial risk appetite. There are currently more than 160 funds available. For the latest listing of fund managers and funds available, please refer to our website hettps://metisgl.com.sg/asset-listing.

The following fees and charges are applicable for SapphirePRO:

• Trust Settlement Charge
• Administration Charge
• Trust Plan Fee

For more details on all the applicable fees and charges, please refer to SapphirePRO’s terms and conditions.

Contribution Payment Term means, in relation to the regular contribution, the duration of the Trust plan from Trust plan commencement date to Trust plan maturity date; and in relation to additional regular contribution, the date which cleared funds of additional regular contribution are first received till plan maturity date.

The ICP lasts between 18 to 30 months and is determined by the CPT of the Trust Plan as can be seen in the table below.

Contribution Payment Term (CPT)	Initial Contribution Period (ICP)
5 to 18 years	First 18 months
19 years	First 19 months
20 years	First 20 months
21 years	First 21 months
22 years	First 22 months
23 years	First 23 months
24 years	First 24 months
25 years	First 25 months
26 years	First 26 months
27 years	First 27 months
28 years	First 28 months
29 years	First 29 months
30 years	First 30 months

The LOW is a non-legally binding document that indicates the settlor's wishes as to the management and administration of trust.

It is a benefit that Metis SG may decide to provide during the initial contribution period of the Trust plan from time to time by notionally crediting additional initial units to the Trust plan based on the relevant offer price and in accordance with our latest record of your Asset Choice selection. The Extra Allocation percentage varies with the average monthly Contribution and the CPT as set out in the table below:

CPT (years)	Average Monthly Contribution (SGD)
	500 - 699	700 - 999	1,000 – 1,499	1,500 or above
5 to 9	-	-	0.1 x CPT	0.2 x CPT
10 to 19	0.2 x CPT	0.4 x CPT	0.5 x CPT	0.7 x CPT
20 to 24	0.7 x CPT	0.9 x CPT	1.0 x CPT	1.2 x CPT
25 to 30	1.2 x CPT	1.4 x CPT	1.7 x CPT	2.0 x CPT

Minimum Trust Plan Value is currently set as SGD 6,000, after any Partial Withdrawal or Regular Withdrawal. We reserve the right to amend this value as we, in our sole and absolute discretion, deem fit.

Yes. Once the initial contribution period is over, you may reduce your regular contribution provided that your reduced contribution is equal to or above the minimum regular contribution amount. Any reduction during the initial contribution period is subject to Metis SG’s sole and absolute discretion.

The table below illustrates the total minimum regular contribution amount for the contribution frequencies available:

Currency	Monthly	Quarterly	Semi-Annually	Annually
SGD	500	1,500	3,000	6,000

You are not allowed to reduce the additional regular contribution during the relevant initial contribution period of the additional regular contribution. Once the initial contribution period is over, you may reduce your additional regular contribution provided that your reduced additional contribution is equal to or above the minimum additional regular contribution.

The table below illustrates the total minimum additional regular contribution amount for the contribution frequencies available:

Currency	Monthly	Quarterly	Semi-Annually	Annually
SGD	100	300	600	1,00

Yes. You may request to make a partial withdrawal at a minimum withdrawal of SGD 1,500 (via deduction of units from Accumulation Account) and subject to your Trust plan value being equal to or more than SGD6,000 after any partial withdrawal; otherwise, it will be a full encashment where exit charges may apply.

Yes. You may request to make a series of fixed amount withdrawals on a regular basis after the contribution payment term provided that the amount withdrawn is equal to or more than the minimum withdrawal amount SGD 1,500 and subject to your Trust plan value being equal to or more than SGD 6,000 after any partial withdrawal; otherwise, it will be a full encashment where exit charges may apply.

Metis SG may award a Loyalty Bonus to Trust plans with a CPT of more than 10 years. The Loyalty Bonus will be awarded on the 10th Plan Anniversary and on every 5th Plan Anniversary thereafter; until the expiry of the CPT.

An Exit Charge is chargeable upon termination of the Trust plan within the contribution payment term. The Exit Charge Rate is dependent on the number of remaining year(s) in the CPT with respect to Termination. For the purposes of determining the Exit Charge Rate, each incomplete year remaining in the CPT will be rounded up to a complete year. To illustrate, a remaining CPT of 11 years and 1 month will be regarded as 12 years for the purposes of computing the Exit Charge Rate.

Remaining years in CPT	Exit Charge Rate	Remaining years in CPT	Exit Charge Rate	Remaining years in CPT	Exit Charge Rate
30	100	20	74	1	50
29	90	19	71	9	47
28	88	18	69	8	44
27	86	17	66	7	40
26	84	16	64	6	35
25	83	15	62	5	30
24	81	14	60	4	25
23	80	13	58	3	20
22	78	12	56	2	15
21	76	11	54	1	8

The Exit Charge shall be paid by cancelling the units in the initial account. The Exit Charge is equal to (i) the applicable Exit Charge Rate (as shown above) multiplied by (ii) the initial account value as at the date the units are cancelled.

Metis SG has purchased accidental death coverage from MSIG Insurance (Singapore) Pte. Ltd. and will be offering this feature to its clients on a free-of-charge basis. In the event of a successful claim, the sum insured under the policy will offset the applicable exit charge.

However, an exit charge will not be applicable if the Trust plan is terminated after the end of the contribution payment term.

The maximum sum insured in the event of an accidental death is up to the 30 months involuntary exit charge on the respective tenure or maximum of S$20,000, whichever is lower.

Minimum allocation refers to the minimum value to be allocated to an individual asset.

The minimum allocation is currently set at SGD 100 and we reserve the right to amend this value as we, in our sole and absolute discretion, deem fit.

Under Metis SG's Trust plans, the Trust assets will be fully distributed to the surviving second-tier beneficiaries upon the death of the settlor. However, we may consider providing settlors with the option of including surviving generations of the deceased beneficiary as beneficiaries in the future.

Yes, the trust will still be in force if one settlor dies.

No. We do not have premium holiday. However, under the terms and conditions of SapphirePRO, the settlor can choose to stop the contributions after the ICP. In such a scenario, the trust plan fees and charges will still be ongoing. If the plan value falls below the minimum trust plan value, encashment will take place.

You are able to choose up to 5 assets at any one time. However, please note that there is a minimum allocation requirement at SGD 100 per asset.

CitrinePRO was developed for individuals who wish to set aside a lump sum of money under the protection of a Trust; while retaining their investment decisions on investment opportunities so as to continue growing its value through investment returns and eventually benefitting their beneficiaries.

CitrinePRO offers a wide range of investment options to accommodate the wide spectrum of investment risk appetite.

You are eligible for CitrinePRO provided that you are between the ages of 18 and 80 years old and are not a United States person (as defined by US securities laws).

Yes. We allow up to 2 settlors for joint applications and the settlors do not necessarily need to be related.

SGD 30,000

SGD 10,000

Yes, Top-Up Contributions can only be added to an existing Trust plan at any time before the Settlor or the youngest Settlor (in the case joint application) reaches the age of 80.

You may make your one-time contribution through any of the following methods:

• Cheque
• Bank Transfer

You may make your additional single contribution through any of the following methods:

• Cheque
• Bank Transfer

Payment through credit card is not accepted.

The minimum Trust plan value is means 50% in the first year, 40% in the second year and 30% from the third year onwards, of each respective contribution in aggregate.

The exit charge waiver date is a date that is 36 months from the date of receipt of a contribution. Beyond this date, no exit charge will be applicable for encashment or any withdrawal.

The minimum withdrawal amount is currently set at SGD3,000 and Metis SG reserves the right to change this amount from time to time.

This benefit is a waiver of the administration charge as follows:

• where the average month-end Trust plan account value for the last 12 months prior to the Trust plan anniversary is between SGD50,000 and SGD149,999, the administration charge payable for the first month after the Trust plan anniversary will be waived;
• where the average month-end Trust plan account value for the last 12 months prior to the Trust plan anniversary is equal or greater than SGD150,000, the administration charge payable for the first and second month after the Trust plan anniversary will be waived.

The following fees and charges are applicable for CitrinePRO:

• Trust Establishment Charge
• Administration Charge
• Exit Charge

For more details on all the applicable fees and charges, please refer to CitrinePRO’s terms and conditions.

Once the Trust plan account value falls below the minimum Trust plan value, the Trust plan will be subject to exit charge and will be terminated thereafter.

An exit charge will be imposed if you terminate the Trust plan on or before the relevant exit charge waiver date. The applicable exit charge rate is set out in the table below.

Remaining Months	Exit Charge Rate	Remaining Months	Exit Charge Rate	Remaining Months	Exit Charge Rate
36	8.00	24	5.34	12	2.67
35	7.78	23	5.12	11	2.45
34	7.56	22	4.89	10	2.23
33	7.34	21	4.67	9	2.01
32	7.12	20	4.45	8	1.79
31	6.89	19	4.23	7	1.56
30	6.67	18	4.01	6	1.34
29	6.45	17	3.78	5	1.12
28	6.23	16	3.56	4	0.90
27	6.01	15	3.34	3	0.68
26	5.78	14	3.12	2	0.45
25	5.56	13	2.90	1	0.23

The exit charge shall be paid by cancelling the Units in the Trust plan account. The exit charge is equal to the applicable exit charge rate (as shown above) multiplied by the higher of the respective applicable contribution(s) or the value of the Units purchased with the applicable contribution(s) in the Trust plan account.

Metis SG has purchased accidental death coverage from MSIG Insurance (Singapore) Pte. Ltd. and will be offering this feature to its clients on a free-of-charge basis. In the event of a successful claim, the sum insured under the policy will offset the applicable exit charge.

However, an exit charge will not be applicable if the Trust plan is terminated after the exit charge waiver date.

The maximum sum insured in the event of an accidental death is up to the 30 months involuntary exit charge on the respective tenure or maximum of S$36,000, whichever is lower.

Yes. You may request to make a partial withdrawal via the deduction of account units provided that the amount withdrawn is equal to or more than the minimum withdrawal amount (SGD 3,000) and your Trust plan value after any partial withdrawal is equal to or more than the minimum Trust plan value.

The minimum withdrawal amount is currently set at SGD3,000 and we reserve the right to change this amount from time to time.

You may request to make a series of fixed amount withdrawals on a regular basis after the exit charge waiver date provided that the amount withdrawn is equal to or more than the minimum withdrawal amount (SGD 3,000).

Yes, you may request to obtain the encashment value at any time while the Trust plan is in force. An exit charge will be payable if encashment is effect on or before the exit charge waiver date.

The LOW is a non-legally binding document that indicates the settlor's wishes as to the management and administration of trust.

Notional units means the units in the assets that shall notionally be purchased with the contributions received after deducting the establishment charge. The price of the Notional Units is set to be equal to the price of a unit in the asset. The notional units are used only for the purpose of calculating the value of the Trust plan.

Yes. For our Trust plans, it is known as a cooling off period. The cooling off period is 14 days from plan issuance.

We provide access to a wide selection of funds that will accommodate the full spectrum of financial risk appetite. There are currently more than 160 funds available. For the latest listing of fund managers and funds available, please refer to our website hettps://metisgl.com.sg/asset-listing.

Minimum allocation refers to the minimum value to be allocated to an individual asset.

The minimum allocation is currently set at SGD 3,000 and we reserve the right to amend this value as we, in our sole and absolute discretion, deem fit.

Under Metis SG's Trust plans, the Trust assets will be fully distributed to the surviving second-tier beneficiaries upon the death of the settlor. However, we may consider providing settlors with the option of including surviving generations of the deceased beneficiary as beneficiaries in the future.

Yes, the trust will still be in force if one settlor dies.

You are able to choose 5 assets at any one time. However, please note that there is a minimum allocation requirement at SGD 3000 per asset.