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	DBS Singapore > POSB > Investments > Invest Steady Fund

All it takes is someone I trust to enhance my life.

The POSB InvestSteady Fund. Enjoy the satisfaction of steady returns with quality ingredients.

You may already have a good savings habit. Now with greater aspirations, savings alone may no longer be enough. To help you get closer to achieving your financial goals, we present you POSB InvestSteady Fund ("InvestSteady" or the "Fund"). InvestSteady, is an actively managed balanced portfolio fund that invests primarily in quality Asia-Pacific equities and global bonds. Investing in different market conditions can be made easier by simply leaving it to the experts. With InvestSteady, you can enjoy steady returns while taking into consideration the need for capital preservation.

What are the advantages of investing in POSB InvestSteady Fund?

1. Enjoy Potential Consistent Positive Returns
The portfolio mix (up to 30% equities and a minimum of 70% bonds) changes dynamically depending on market conditions. InvestSteady uses a flexible investment approach with close monitoring to capture market opportunities or to preserve capital. The Fund is well positioned to provide you with stable returns under different market conditions.

2. Quality Ingredients for Stable Returns
The bonds portion offers stability and steady returns - global bonds issued by governments and companies with flexibility to overweight Asian bonds.

The equity portion offers potential for higher returns - primarily Asia-Pacific equities with the flexibility to invest in other regions.

3. Potential Steady Returns Help Cushion Market Fluctuations
You can enjoy potential capital gains and dividends. InvestSteady targets to distribute semi-annual dividends of 1.25 Singapore cents per Unit to Investors. Distribution is however at the discretion of fund managers.

4. Brought to you by the Brand you Trust

POSB¹ has 129 years of history behind it
Majority of Singaporeans bank with us
Many choose to open their first savings account with POSB
We provide access to expertise within the DBS Group

5. Expertise from Award Winning² Fund Manager
DBS Asset Management Ltd ("DBSAM") is the largest provider of Singapore Authorised Funds³ managing over 55 funds with a strong Asian heritage with deep knowledge and understanding of Asian markets. DBSAM has also garnered 71 Industry Awards since 19963.

What can you do next?

Simply visit any POSB branch or call us at 1800-339 6666 to make an appointment with our friendly Personal Financial Consultants today.

¹ POSB is only a distributor and does not have any involvement in the investment
process
² For details on awards, please visit www.dbsam.com
³ Source: S&P Fund Services Ltd as at 30 September 2006

Important Notice
The above reflects the views of DBSAM at the time of writing, which may change from time to time depending on prevailing economic and financial conditions. The information published above is based on information obtained from sources believed to be reliable, but no representation or warranty, express or implied, is made as to its accuracy, completeness, timeline or correctness for any particular purpose.

This document is published for information and general circulation only and does not have regard to the specific investment objectives, financial situation and the particular needs of any specific person. Investors should seek advice from a financial adviser regarding the suitability of the Fund, taking into account the specific investment objectives, financial situation or particular needs of each person before making a commitment to purchase the Fund. In the event the investor chooses not to do so, he should consider carefully whether the Fund is suitable for him. Opinions expressed are that of DBSAM and are subject to change without notice. DBS and DBSAM accept no liability for any loss whatsoever arising from any use or reliance of the opinions. DBS, DBSAM and their related companies, their directors and/or employees (collectively, "Related Persons") may have positions in and may effect transactions in the unit trusts or securities mentioned in this document. Any prediction, projection or forecast on the economy, stock market, bond market or the economic trends of the markets, which are targeted by the Fund, is not necessarily indicative of the future performance of the Fund. Past performance of the Fund is not indicative of its future performance. Investments in the Fund are subject to risks, including possible loss of the principal amount invested. The Fund may not be suitable for persons who are averse to such risks. An investor should refer to the relevant prospectus for inherent risks of investing in the Fund. Investors should be aware that certain fees may be applicable to their investment in the Fund. Investments in the Fund generally are not deposits or other obligations of, or guaranteed or insured by DBS or DBSAM, or any subsidiaries or associated companies of DBS Group Holdings Ltd or their affiliates. The value of the units and the income accruing to the units, if any, may fall or rise. All applications for units in the Fund must be made on the application form accompanying the prospectus or otherwise as described in the prospectus. Investors must read the prospectus (available at POSB branches) before deciding whether to subscribe for units in the Fund.

Initial Launch Period	30 October 2006 - 7 December 2006
Inception Date	8 December 2006
Structure	Open-Ended Unit Trust Fund Constituted under the umbrella, DBSAM Investment Funds
Investment Universe	Global/Asian Bonds and Asia-Pacific/Global Equities
Asset Allocation	Up to 30% Asia-Pacific Equities and a minimum of 70% Global Bonds
Benchmark	3 Months SIBOR5 + 2% per annum
Fund Manager	DBS Asset Management Ltd
Fund currency	SGD
Issue Price	SGD 1.00 per unit
Minimum Initial Investment	SGD 1,000
Subsequent Investment Amount	SGD 500
Automatic Monthly Investment Plan (AMIP)	Minimum SGD 100
Initial Sales Charge	Currently 4%, maximum 5%
Annual Management Fee	Currently 1.25%, maximum 2%
Trustee Fee	Currenty less than 0.06%, maximum 0.2%
Pricing	NAV (single forward pricing)
Eligible for	Cash, SRS
Dividend Distribution	At its sole discretion, the Fund Manager intends to distribute semi-annual dividends of 1.25 Singapore cents per unit

Managed by: DBSAM
DBS Asset Management Ltd Co. Reg No: 198202562H
POSB Biz Reg No: 52880148A Oct 2006

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