• Getting Started

  • Is CGS-CIMB eWealth licensed or regulated by the Monetary Authority of Singapore (MAS)?

    Yes, CGS-CIMB eWealth is an offering by CGS-CIMB Securities (Singapore) Pte. Ltd., a capital markets services provider and exempt financial adviser licensed under the MAS.

  • How secure is my investment capital invested through CGS-CIMB eWealth?

    Your investment is safe with us as we are regulated by the MAS and your assets are custodised in your name, segregated from other clients and from CGS-CIMB Securities (Singapore) Pte. Ltd.’s own assets. Should CGS-CIMB Securities (Singapore) Pte. Ltd. become insolvent, your assets are identifiable in your name.

  • What do you need before opening an account with us ?

    Please have a scanned copy or image of your NRIC/Passport as proof of your residential address and your signature during the application process.

  • How do I get started?

    You can choose either Goal investing or Thematic investing and after that, we will ask you some questions to help you set a goal and to assign a risk profile to you.

    Thereafter, we will recommend you a portfolio and to proceed, you will be asked to complete the account opening steps. The whole process should take approximately 15 minutes in total. This may all be done on the platform electronically and if you have any questions during the process, you may contact us and we will get in touch with you.

    It is also possible for you to do both Goal and Thematic investing or to invest in multiple portfolios. You just have to go through the process of selecting the portfolio you want and complete the subsequent steps.

  • I am not a Singaporean/permanent resident (PR), am I allowed to open an account?

    If you are a foreigner residing in or outside of Singapore, you may go through the same steps on the CGS-CIMB eWealth platform to open an account. However, if you do not have a Singapore bank account we will contact you for additional verification purpose.

    If you have any enquiries, please feel free to contact us on Client Services email address clientservices.sg@cgs-cimb.com.

  • Can I open a joint account?

    No, we currently do not allow the opening of joint account.

  • How do I close my account?

    You may contact us on our Client Services email address clientservices.sg@cgs-cimb.com and we will contact you to process your request.

  • Is there any lock-in period?


  • How do I find my Tax Identification Number (TIN)?

    Your TIN is your NRIC number for Singaporeans and Singapore PRs or a unique combination of letters or numbers as assigned by your country for foreigners.

  • Why do you need my bank details?

    We only require your bank account name, mailing address and bank account number. Bank balances are not required. The information above is required for us to validate the person signing up with us is you.

  • What do I need to do if I have changed my address or personal details?

    Just send an email to our Client Services email address at clientservices.sg@cgs-cimb.com and we will process your request.

  • What is the minimum age to get started?

    21 years old.

  • How is eWealth different from constructing portfolio myself?

    While constructing portfolio on your own is possible, it will require multiple purchases of individual marketable securities on your own with decisions on specific quantity and price to be made thereby taking up more time to construct a portfolio. Moreover, depending on your individual marketable securities’ purchase size you may end up paying for minimum brokerage charges in addition to having to meet minimum lot sizes. On the other hand, we do not charge a minimum brokerage charge and you are not bound by individual minimum lot size trade constraint. Since you will be purchasing a portfolio, you do not need to make specific decisions on quantity and prices of securities to buy at. We show you the details in a portfolio and if you choose to buy the portfolio we will buy that portfolio for you.

  • Feedback

    If you wish to file a complaint about our services or the quality of our products, please contact our Client Services Department at 1800 538 9889, Mondays to Fridays (between 8.30 am and 6.00 pm), or email us at clientservices.sg@cgs-cimb.com.

    Alternatively, you may write to:

    CGS-CIMB Securities (Singapore) Pte. Ltd.
    50 Raffles Place #01-01
    Singapore Land Tower
    Singapore 048623
    Attn : Client Services Department

    If you feel that we have not provided a satisfactory resolution to your complaint, after giving us the opportunity to investigate and resolve it, you may lodge a written complaint to the Financial Industry Disputes Resolution Centre (“FIDReC”). The complaint can be lodged through FIDReC’s website www.fidrec.com.sg . You may also reach FIDReC at (65) 6327 8878 or info@fidrec.com.sg.

  • Investments

  • What is Goal investing?

    Goal investing refers to investing to meet a specific goal such as buying your dream home or financing your child’s tertiary education in the future. You may set whatever goal you wish to on the CGS-CIMB eWealth platform. We take into account your risk profile, investment amount (initial and regular top-ups) as well as the time horizon to achieve your goal. We use exchange traded funds to construct investment portfolios for Goal investing as they are low cost, track the broader market and diversified.

  • What is Thematic investing?

    Thematic investing refers to investing in marketable securities (e.g. equities) which may benefit from certain macroeconomic events or secular/cyclical trends globally, regionally or specific to a certain country. Examples include US Technology Leaders (for global technology innovation theme) and Hong Kong Property (for property sector recovery theme). We typically use individual stocks to construct Thematic portfolios as they are liquid, affordable and low cost to execute.

  • Can I have more than one goal?

    Yes, you can have multiple goals set up for Goal investing. Each goal constitutes a portfolio and is tracked individually in terms of performance and reporting.

  • What is the minimum investment amount?

    Our investment amount starts at S$3,500 for Goal Investing and for Thematic Investing the minimum investment amount differs from one portfolio to another.

  • Will I receive my dividends from my investment?

    Yes, any dividends will be credited to your portfolio.

  • How do you determine my risk profile?

    We will require you to answer some questions about your financial circumstances, risk appetite and investment experience and based on your answers we will assign a risk profile to you.

  • Can I change my risk profile?


  • How is a portfolio recommended?

    We base our portfolio recommendation on your assigned risk profile by the platform.

  • Can I choose to invest in a different portfolio?

    Yes, you may choose a portfolio that has a different risk profile from your assigned risk profile. However, we require you to acknowledge and accept the risks that come from investing in a higher risk profile portfolio, for example when a Growth profile investor invests in an Aggressive profile portfolio. For certain clients whom we deem as unsuitable to invest in a higher risk profile portfolio, we may disallow the client from investing in such a portfolio.

  • What is rebalancing?

    The idea behind rebalancing is to bring the asset allocation (e.g. proportion in equities, fixed income and gold) in a portfolio back to the asset allocation that reflects the risk profile of the portfolio you signed up for. This is because the prices of the individual securities would have moved over time with the market changing the asset allocation proportions. Rebalancing ensures your portfolio accurately reflects your assigned risk profile.

  • How frequent is the rebalancing carried out?

    We rebalance Goal portfolios every 6 months in January and July and Thematic portfolios every 3 months, i.e. in January, April, July and October. We will send you notification 14 days and 7 days before the rebalancing date for Goal and Thematic portfolios respectively.

  • If I have multiple goals, how will my funds be allocated?

    We allocate your funds into the goals based on your instruction during purchase of the portfolios.

  • What happens if there is not enough money to invest in multiple goals I have signed up for?

    We will not invest in any of your goals until you tell us which goal to allocate the funds into. Under the Customer Dashboard, select the goal that you want to fund provided that the amount you transferred meets the minimum amount required for the portfolio. You may also top up the investment amount anytime by transferring more funds into your account.

  • How can I top up my goals?

    You may do so at the Customer Dashboard page by clicking “Invest More” option on the selected goal and then follow the instructions.

  • Taxes

  • Is there any tax implication on my dividends?

    Yes, withholding tax applies to the dividends in accordance with the taxation laws of the country of that stock and your tax status in your country of residence.

  • Pricing Plans

  • What are the fees charged by CGS-CIMB eWealth?

    You may refer to our “Pricing” page for detailed listing of the fee charges. We charge annual Assets Under Management (AUM) fees based on the market value of your portfolio. We waive custodian and brokerage charges except when creating, rebalancing and exiting Thematic portfolios (when we will charge brokerage fees). Exchange and regulator related charges are passed on to you as incurred. Brokerage charges are waived for rebalancing your Goal portfolio. Additional charges and withdrawal charges may be applicable.

    You may refer to this link - https://www.ewealth.cgs-cimb.com.sg/home/pricing for details of our pricing.

  • How and when are the fees collected?

    The AUM fees are deducted from your portfolio cash balance monthly at the beginning of the month for the previous month’s charges. Brokerage, exchange and regulator related charges are deducted from the same cash balance when incurred from transactions performed.

    You may refer to this link - https://www.ewealth.cgs-cimb.com.sg/home/pricing for details of our pricing.

  • Do I have to pay any transaction, custody or any other fees?

    We waive all brokerage charges for Goal portfolios but brokerage fees are payable when creating, rebalancing and exiting Thematic portfolio. There are no brokerage fees when rebalancing Goal portfolios.

    You may refer to this link - https://www.ewealth.cgs-cimb.com.sg/home/pricing for details of our pricing.

  • Deposits

  • How long does it take for my money to be invested after I transfer the money?

    If your fund reaches your account before 11am, we will create the portfolio on the same business day for Asian equities and the next business day for US equities. If your fund reaches your account after the above time, the portfolio will be created on the next business day for Asian equities and two business days for US equities. This is provided your account has been successfully created (for new account application) and provided the orders are successfully executed in the exchanges.

  • What method of deposit do you accept?

    We currently accept fund transfer, bank cheque and cash.

    For fund transfer, you can transfer to the below mentioned accounts:-
    UOB (SIN) – Wealth Mgt for SGD 451-308-043-8
    UOB (SIN) – Wealth Mgt for HKD 451-907-978-4
    UOB (SIN) – Wealth Mgt for USD 451-907-976-8

    For bank cheque, you may also present the cheque payable to CGS-CIMB Securities (Singapore) Pte. Ltd., to our Cashier Counter, at CGS-CIMB Securities (Singapore) Pte. Ltd., Level 2, Singapore Land Tower.

    As for cash, you can also present to our Cashier Counter with the same address listed above.

  • Can I fund my account in any currency?

    Yes, you may send your funds in SGD, USD, and HKD.

  • Is there a limit on how much I can deposit into my account?


  • Withdrawals

  • How do I withdraw funds from my account?

    You may do so at the Customer Dashboard page by clicking the “Withdraw” option on the selected goal. The funds will be transferred into your registered bank account specified during account opening.

  • Is there any withdrawal fee?

    No. However, please note we charge a brokerage fee of 0.18% on the portfolio value on you exiting a Thematic portfolio.

    You may refer to this link - https://www.ewealth.cgs-cimb.com.sg/home/pricing for details of our pricing.

  • How does the cooling off period work?

    We offer 7-calendar days cooling off period to you. Should you change your mind within 7-calendar days from the day you allocated funds to your portfolio and wish to exit the Portfolio, we will waive our brokerage / commission charges on exiting the investment (where applicable) and will refund the annual management fee charged/incurred up to the 7 calendar days back to you. All other charges / fees incurred for brokerage on investing into the portfolio and for paying exchanges, regulators and authorities such as exchange fees, taxes and GST are not refundable.

    Just send an email to our Client Services email address at clientservices.sg@cgs-cimb.com and we will process your request.