Hayden Ang

Jiaxuan Lim

Melvin Goh

Ritesh Ganeriwal

Wilson Yoeh

Bank of China

CIMB

Citibank

HSBC

MariBank

Maybank

OCBC

Other

POSB

RHB Bank

Standard Chartered

Trust Bank

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Nest egg

Dream home

Golden years

Big splurge

Piggybank

Property Purse

Dream Basket

Stockpile

Money Pot

Silver years

Golden dreams

Capital growth

ESG & Clean Energy

China Growth

Healthcare Innovation

Disruptive Technology

Global Income

Income Preserve

Income Enhance

100% Trailer fee rebate

Syfe management fee

Entry or exit fee

Trailer fee rebate

US government bonds and other investment-grade bonds

Underlyings

iShares Core U.S. Aggregate Bond ETF

Global (non-US) dollar-denominated investment-grade bonds

Vanguard Total International Bond Index Fund ETF Shares

US government bonds with 7 to 10 years maturity

iShares 7-10 Year Treasury Bond ETF

US government bonds with more than 20 years maturity

iShares 20+ Year Treasury Bond ETF

US government bonds with 1 to 3 years maturity

iShares 1-3 Year Treasury Bond ETF

US government bonds whose face value increases with inflation

iShares TIPS Bond ETF

Physical Gold as underlying to 100% of the ETF

SPDR Gold Shares

Stocks in the 500+ biggest US-listed companies (market capitalisation weighted) such as Microsoft, Apple, Amazon, Facebook, Berkshire Hathaway etc

iShares Core S&P 500 UCITS ETF

Stocks in the 400+ midcap US-listed companies such as Idex, Zebra, Dominos, Steris, Leidos etc

iShares Core S&P Mid-Cap ETF

Stocks in the 600+ smallcap US-listed companies such as FirstCash, EastGroup, Selective Insurance, Axon Enterprises etc

iShares Core S&P Small-Cap ETF

Stocks in developed market equities, excluding the U.S. and Canada such as Nestle, Roche, Novartis, HSBC, BP etc

iShares MSCI EAFE ETF

Stocks in emerging market equities such as Tencent, Alibaba, Taiwan Semiconductor, Samsung, Naspers etc

iShares Core MSCI Emerging Markets ETF

Stocks in 100 of the largest non-financial companies (market capitalisation weighted) such as Microsoft, Apple, Facebook, Google etc

Invesco QQQ Trust Series1

Stocks in US-listed companies benefiting from staple consumer spending such as Procter & Gamble, Pepsico, Coca-Cola, Walmart, Mondelez etc

Consumer Staples Select Sector SPDR Fund

Stocks in US-listed health care companies such as Johnson & Johnson, Pfizer, UnitedHealth, Merck, Abott etc

Health Care Select Sector SPDR Fund

Stocks in US-listed technology companies such as Microsoft, Apple, Visa, Cisco, Intel etc

Technology Select Sector SPDR Fund

Stocks in US-listed utilities companies such as NextEra, Duke Energy, Dominion Energy, Southern, Exelon etc

Utilities Select Sector SPDR Fund

Stocks in the 500+ smallcap to midcap China-listed companies such as JD.com, Ping An Insurance, China Construction Bank etc

iShares MSCI China ETF

Stocks in China-listed internet companies such as Tencent, Meituan, Alibaba etc

KraneShares CSI China Internet ETF

Stocks in the 500+ biggest US-listed companies (equal weighted) such as Anadarko Petroleum, Qualcomm, Align Technology, Twitter etc

Invesco Exchange-Traded Fund Trust - Invesco S&P 500 Equal Weight ETF

Stocks in over 3000 large, mid and small-cap emerging markets companies such as Taiwan Semiconductor, Tencent, Samsung, Alibaba etc

iShares Core MSCI EM IMI UCITS ETF

The S&P Target Risk Moderate Index is designed to measure the performance of moderate stock-bond allocations to fixed income while seeking to increase opportunities for higher returns through equities

S&P Target Risk Moderate Index

The S&P Target Risk Conservative Index is designed to measure the performance of conservative stock-bond allocations to fixed income, seeking to produce a current income stream and avoid excessive volatility of returns. Equities are included to protect long-term purchasing power.

S&P Target Risk Conservative Index

The S&P Target Risk Growth Index is designed to measure the performance of equity allocations, while seeking to provide limited fixed income exposure to diversify risk

S&P Target Risk Growth Index

Treasuries

Commodities

Information Technology

Consumer Discretionary

Consumer Staples

Health Care

Financials

Industrials

Communication Services

Utilities

MBS Pass-Through

Materials

Energy

Real Estate

Cash and/or Derivatives

Local Authority

Agency

CMBS

Supranational

Sovereign

Covered

Tencent Holdings Ltd

Apple Inc

Amazon.Com Inc

Alibaba Group Holding Ltd

Costco Wholesale Corp

Alphabet Inc

United States Treasury Note/Bond

Japan Treasury Note/Bond

France Treasury Note/Bond

Italy Treasury Note/Bond

Fannie Mae 30Yr Umbs

GNMA2 30YR

Spain Treasury Note/Bond

United Kingdom Treasury Note/Bond

Microsoft Corp

Nvidia Corp

Pepsi Co.

Procter & Gamble

Apple Inc. designs, manufactures, and markets personal computers and related personal computing and mobile communication devices along with a variety of related software, services, peripherals, and networking solutions. Apple sells its products worldwide through its online stores, its retail stores, its direct sales force, third-party wholesalers, and resellers.

Microsoft Corporation develops, manufactures, licenses, sells, and supports software products. The Company offers operating system software, server application software, business and consumer applications software, software development tools, and Internet and intranet software. Microsoft also develops video game consoles and digital music entertainment devices.

Amazon.com, Inc. is an online retailer that offers a wide range of products. The Company products include books, music, computers, electronics and numerous other products. Amazon offers personalized shopping services, Web-based credit card payment, and direct shipping to customers. Amazon also operates a cloud platform offering services globally.

Amazon.com Inc

Costco Wholesale Corporation operates wholesale membership warehouses in multiple countries. The Company sells all kinds of food, automotive supplies, toys, hardware, sporting goods, jewelry, electronics, apparel, health, and beauty aids, as well as other goods.

NVIDIA Corporation designs, develops, and markets three dimensional (3D) graphics processors and related software. The Company offers products that provides interactive 3D graphics to the mainstream personal computer market.

NVIDIA Corp

Tesla Inc. designs, manufactures, and sells high-performance electric vehicles and electric vehicle power train components. The Company owns its sales and service network and sells electric power train components to other automobile manufacturers. Tesla serves customers worldwide.

Tesla Inc

PepsiCo, Inc. operates worldwide beverage, snack, and food businesses. The Company manufactures or uses contract manufacturers, markets, and sells a variety of grain-based snacks, carbonated and non-carbonated beverages, and foods in countries throughout the world.

PepsiCo Inc

The Procter & Gamble Company manufactures and markets consumer products in countries throughout the world. The Company provides products in the laundry and cleaning, paper, beauty care, food and beverage, and health care segments. Procter & Gamble products are sold primarily through mass merchandisers, grocery stores, membership club stores, drug stores, and neighborhood stores.

Procter & Gamble Co/The

Alphabet Inc. operates as a holding company. The Company, through its subsidiaries, provides web-based search, advertisements, maps, software applications, mobile operating systems, consumer content, enterprise solutions, commerce, and hardware products.

The Coca-Cola Company manufactures, markets, and distributes soft drink concentrates and syrups. The Company also distributes and markets juice and juice-drink products. Coca-Cola distributes its products to retailers and wholesalers in the United States and internationally.

Coca-Cola Co/The

UDR, Inc. is a self-administered real estate investment trust. The Company owns, operates, and develops apartment communities located nationwide.

UDR Inc

Meta Platforms, Inc. operates as a social technology company. The Company builds applications and technologies that help people connect, find communities, and grow businesses. Meta Platform is also involved in advertisements, augmented, and virtual reality.

Meta Platforms Inc

Mondelez International Inc. is a food and beverage company. The Company manufactures and markets packaged food products, including snacks, beverages, cheese, convenient meals and various packaged grocery products. Mondelez International sells its products throughout the world.

Mondelez International Inc

Cisco Systems, Inc. provides information technology and networking services. The Company offers enterprise network security, software development, data collaboration, cloud computing, and other related services. Cisco Systems serves customers in the United States.

Cisco Systems Inc

Honeywell International Inc. is a worldwide technology and manufacturing company. The Company provides aerospace products and services, control, sensing and security technologies for commercial buildings, safety and productivity solutions, specialty chemicals, advanced materials, process technology for refining and petrochemicals, and energy efficient products and solutions.

Honeywell International Inc

Broadcom Inc. designs, develops, and markets digital and analog semiconductors. The Company offers wireless RF components, storage adapters, controllers, networking processors, switches, fiber optic modules, motion control encoders, and optical sensors. Broadcom markets its products worldwide.

Broadcom Inc

Amphenol Corporation designs, manufactures, and markets electrical, electronic and fiber optic connectors, interconnect systems, and coaxial and flat-ribbon cable. The Company's products are used in a variety of industries, including telephone, wireless, and data communications systems, cable television systems, and commercial and military aerospace electronics.

Amphenol Corp

NiSource Inc. is an energy holding company. The Company's subsidiaries provide natural gas, electricity, and other products and services to customers located within a corridor that runs from the Gulf Coast through the Midwest to New England.

NiSource Inc

ConocoPhillips explores for, produces, transports, and markets crude oil, natural gas, natural gas liquids, liquefied natural gas, and bitumen on a worldwide basis.

ConocoPhillips

Adobe Inc. develops, markets, and supports computer software products and technologies. The Company's products allow users to express and use information across all print and electronic media. Adobe offers a line of application software products, type products, and content for creating, distributing, and managing information.

Adobe Inc

Colgate-Palmolive Company is a consumer products company that markets its products throughout the world. The Company's products include toothpaste, toothbrushes, shampoos, deodorants, bar and liquid soaps, dishwashing liquid, and laundry products, as well as pet nutrition products for cats and dogs.

Colgate-Palmolive Co

Comcast Corporation provides media and television broadcasting services. The Company offers video streaming, television programming, high-speed Internet, cable television, and communication services. Comcast serves customers worldwide.

Comcast Corp

Principal Financial Group, Inc. provides financial products and services to businesses, individuals, and institutional clients. The Company offers retirement solutions, life and health insurance, wellness programs, and investment and banking products.

Principal Financial Group Inc

CSX Corporation is an international freight transportation company. The Company provides rail, intermodal, domestic container-shipping, barging, and contract logistics services around the world. CSX's rail transportation services are provided principally throughout the eastern United States.

CSX Corp

NextEra Energy, Inc. provides sustainable energy generation and distribution services. The Company generates electricity through wind, solar, and natural gas. Through its subsidiaries, NextEra Energy also operates multiple commercial nuclear power units.

NextEra Energy Inc

CMS Energy Corporation is an energy company. The Company, through its subsidiaries, provides electricity and natural gas to its customers. CMS Energy also invests in and operates non-utility power generation plants in the United States and abroad.

CMS Energy Corp

Kimberly-Clark Corporation is a global health and hygiene company that manufactures and provides consumer products. The Company's products include diapers, tissues, paper towels, incontinence care products, surgical gowns, and disposable face masks. Kimberly-Clark's products are sold in countries around the world.

Kimberly-Clark Corp

Intel Corporation designs, manufactures, and sells computer components and related products. The Company major products include microprocessors, chipsets, embedded processors and microcontrollers, flash memory, graphic, network and communication, systems management software, conferencing, and digital imaging products.

Intel Corp

Intuit Inc. develops and markets business and financial management software solutions for small and medium sized businesses, financial institutions, consumers, and accounting professionals. The Company provides software for small business management and payroll processing, personal finance, and tax preparation and filing.

Intuit Inc

Pinnacle West Capital Corporation is a utility holding company. The Company, through its subsidiary, provides retail and wholesale electric service to most of the State of Arizona. Pinnacle West Capital through a subsidiary, also is involved in real estate development activities in the western United States.

Pinnacle West Capital Corp

Starbucks Corporation retails, roasts, and provides its own brand of specialty coffee. The Company operates retail locations worldwide and sells whole bean coffees through its sales group, direct response business, supermarkets, and on the world wide web. Starbucks also produces and sells bottled coffee drinks and a line of ice creams.

Starbucks Corp

Johnson & Johnson manufactures health care products and provides related services for the consumer, pharmaceutical, and medical devices and diagnostics markets. The Company sells products such as skin and hair care products, acetaminophen products, pharmaceuticals, diagnostic equipment, and surgical equipment in countries located around the world.

Johnson & Johnson

Regions Financial Corporation operates as a regional multi-bank holding company. The Company provides mortgage banking, credit life insurance, leasing, commercial accounts receivable factoring, specialty mortgage financing, and securities brokerage services. Regions provides banking services throughout the South, Midwest, and Eastern United States.

Regions Financial Corp

Halliburton Company provides energy and engineering and construction services, as well as manufactures products for the energy industry. The Company offers services and products and integrated solutions to customers in the exploration, development, and production of oil and natural gas.

Halliburton Co

Altria Group, Inc. is a holding company. The Company, through subsidiaries, manufactures and sells cigarettes and other tobacco products, including cigars and pipe tobacco. Altria holds an interest in a brewery company.

Altria Group Inc

TE Connectivity Limited provides engineered electronic components, network solutions, undersea telecommunication systems, and wireless systems. The Company designs, manufactures, and markets products for customers in industries ranging from automotive, appliance, and aerospace and defense to telecommunications, computers, and consumer electronics.

TE Connectivity Ltd

Zions Bancorporation, N.A. provides personal and commercial banking services. The Bank offers deposits, personal loans, e-banking, trade finance, foreign exchange, mortgage, and other banking services. Zions Bancorp serves customers throughout the United States.

Zions Bancorp NA

KeyCorp operates as a holding company. The Company, through its subsidiaries, provides retail and commercial banking, commercial leasing, investment management, consumer finance, and investment banking products and services to individual, corporate, and institutional clients.