FAQs
How Can We Help You?
- Settlor (create the trust)
- Trustee (takes legal control)
- Beneficiaries (enjoy assets)
This is a test
- Regular Contributions
- Single Contribution
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 ControlOur 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 BeneficiariesRest 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.
SapphirePro offers flexible contribution frequencies and a wide range of investment options to accommodate a wide spectrum of investment risk appetite.
- Monthly
- Quarterly
- Semi-Annually
- Annually
Currency | Monthly | Quarterly | Semi-Annually | Annually |
---|---|---|---|---|
SGD | 500 | 1,500 | 3,000 | 6,000 |
However, for the 1st contribution, only credit card payment is accepted (Visa/Mastercard)
- Additional Regular Contribution
- Additional Single 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 |
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.
- Trust Settlement Charge
- Administration Charge
- Trust Plan Fee
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 |
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 |
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 |
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 |
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.
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.
CitrinePRO offers a wide range of investment options to accommodate the wide spectrum of investment risk appetite.
- Cheque
- Bank Transfer
- Cheque
- Bank Transfer
- 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.
- 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.
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.
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.