This web-site is not associated with Phillip Securities Pte Ltd or any other entity in the Phillip Group of Companies (collectively, the “Group”). Any views, opinions, references or other statements or facts provided in this web-site are personal views of Caleb Gan, a Remisier and Stock Broker in Singapore and are not supported, sanctioned or endorsed in any way by the Group.

Important Notice:

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 must read carefully, understand and agree to when trading CFDs with us the Risk Disclosure Statement, CFD Risk Fact Sheet and CFD terms & conditions (available online at www.phillipcfd.com) 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.

The contents of this website are provided to you for information only and should not be used as a basis for making any specific investment, business or commercial decision. These pages should not be construed as an offer or solicitation for the subscription, purchase or sale of the securities, and specifically funds or any investment products, mentioned herein, or, in any jurisdiction to any person to whom it is unlawful to make such an invitation or solicitation in such jurisdiction. Accordingly, no warranty whatsoever is given and no liability whatsoever is accepted for any loss arising whether directly or indirectly as a result of you acting based on this information.

Investments are subject to investment risks including the possible loss of the principal amount invested. The value of the units in any fund and the income from them may fall as well as rise. If the investment is denominated in a foreign currency, factors including but not limited to changes in exchange rates may have an adverse effect on the value, price or income of an investment. Past performance figures as well as any projection or forecast used in these web pages, are not necessarily indicative of future or likely performance of any investment products.

The information contained in these pages is not intended to provide professional advice and should not be relied upon in that regard. It also does not have any regard to your specific investment objective, financial situation and any of your particular needs. You may wish to seek advice from a financial adviser before investing in any of the products mentioned.

In the event that you choose not to seek advice from a financial adviser, you should consider whether the investment product is suitable for you. The contents of this website, including these terms and conditions, are subject to change and may be modified, deleted or replaced from time to time and at any time.

INVESTMENT PRODUCTSIMPORTANT INFORMATION AND DISCLAIMERS

Investment product information in this website 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. 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.

You should seek advice from a financial adviser regarding the suitability of the investment product, taking into account your specific investment objectives, financial situation or particular needs, before making a commitment to invest in such products.

Investments are subject to investment risks including the possible loss of all or part of the principal amount invested. The value of investments denominated in foreign currencies may diminish or increase due to changes in the rates of exchange. Past performance figures as well as any projection or forecast mentioned in this website, are not necessarily indicative of future or likely performance of any investment products. You are advised to read the trading account terms and conditions, relevant product information sheet(s) and risk disclosure statements before investing in any investment product.

Leveraged products and Contracts for Differences (CFDs)

The risk of loss in leveraged trading can be substantial. You may sustain losses in excess of your initial funds and may be called upon to deposit additional margin funds at short notice.
If the required funds are not provided within the prescribed time, your positions may be liquidated.

The resulting deficits in your account are subject to penalty charges. You should also be aware of the commissions and finance costs involved in trading leveraged products. Leveraged products may not be suitable for clients whose investment objective is preservation of capital and/or whose risk tolerance is low. Investors 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 securities and the issuer or originator is not privy to the CFD contract.

Unit Trusts, Money Market funds and Exchange-traded funds (ETF)

Unit trusts distributed by Phillip Securities Pte Ltd (“PSPL”) are not obligations of, deposits in, or guaranteed by, PSPL or any of its affiliates. You should read the prospectus and product highlights sheet before deciding to subscribe for units in the respective fund. A copy of the prospectus can be obtained from the issuer or PSPL, or on this website. The value of units in any fund and the income from them may fall as well as rise.

Investing in money market funds is not the same as placing funds on deposit with a bank or deposit-taking company. Historically, investing in money market funds has had better yields than saving rates. However, past performance figures as well as any projection or forecast are not necessarily indicative of the future or likely performance of such funds.

You should read the prospectus of the respective ETFs (which is available on websites of the issuers) and understand their structure and associated risks before deciding to invest.
PSPL and its affiliates do not endorse and have no liability for any statements, opinions or information disseminated by the ETF issuers, which are not part of PSPL or its affiliates. Investors cannot redeem the units with the manager for the scheme or may only redeem units with the manager for the scheme under certain specified conditions. Listing of the units does not guarantee a liquid market for the ETFs.

Life insurance, Investment-linked policies (ILP) and A&H policies

All insurance products are subject to the limitations and conditions in the insurance policies and applicable legislation. The terms and conditions and exclusions of the plans are specified in the respective policies from the insurance companies. Insurance products are obligations only of the insurance companies. They are not bank deposits or obligations of, or guaranteed by PSPL or any of its affiliates. Buying a life insurance policy is a long-term commitment. An early termination of the policy usually involves high costs and the surrender value payable, if any, may be less than the total premiums paid. Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs.

Investments in ILPs are subject to investment risks including the possible loss of the principal amount invested.
The value of the units in the sub-funds and the income from them may fall as well as rise. You should read the product summary and product highlights sheet before deciding whether to subscribe for units in the ILP sub-fund.

If you should decide that the accident and health (A&H) policy, or the life policy that provides accident and health benefits, is not suitable after purchasing the policy, you
may terminate the policy in accordance with the free-look provision, if any, and the insurer may recover from you any expense it has incurred in underwriting the policy.

Bonds

Some bonds are OTC products i.e. they are quoted on an off-exchange basis and the firm with which you conduct your transactions (which may be PSPL or another firm if PSPL acts as your broker to affect a transaction with such firm) may be acting as your counterparty to the transaction.

It may be difficult or impossible to liquidate an existing position, to assess the value, to determine a fair price or to assess the exposure to risk. For these reasons, these transactions may involve increased risks. Off-exchange transactions may be less regulated or subject to a separate regulatory regime.