Product Risk Rating

As part of DBS' commitment to deliver fair dealing outcomes for our customers, we provide below the risk ratings of our investment and insurance products. In this way, you can make informed financial decisions with respect to your investment objectives, financial situation and particular needs.

The product risk ratings are based on the Bank's proprietary risk rating methodology which takes into consideration a variety of qualitative and quantitative factors. Based on the Bank's current methodology, the Bank's products are risk rated under a 5-point risk scale starting from
1 (representing the lowest risk) and gradually increasing to 5 (representing the highest risk).

For any queries on the product risk ratings, you may wish to contact your DBS/POSB Relationship Manager/ Personal Financial Manager or the DBS Customer Service Hotline at 1800 111 1111. Alternatively, you may drop by any of our nearest DBS/POSB branches to speak to our DBS/POSB Relationship Manager/ Personal Financial Manager.

Please click on each product category for the full list of products and the risk ratings.

  1. Bonds
  2. Currency Linked Investments (CLI)
  3. Equity Linked Notes (ELN)
  4. Insurance – Investment Linked Products (ILP)
  5. Structured Deposits
  6. Structured Notes – DBS
  7. Structured Notes – Others
  8. Unit Trusts (UT)

Disclaimer
This document is meant to be informative and for general purposes only. It merely expresses the views and opinions held by DBS based on its own internal risk methodology and such views therein, are subject to change. DBS is not obliged to reveal or detail their internal risk methodology.

This document sets out the product risk rating of each product and does not constitute an offer, invitation, recommendation or solicitation of any action based upon it. Further, this document should not be viewed as identifying or suggesting all risks, direct or indirect, that may be associated with any investment decision and you should therefore not rely solely on this document when making your investment decision. This document does not take into account your individual needs, investment objectives and specific financial circumstances and investors should read the relevant offering documents in respect of each product and/or obtain separate legal or financial advice regarding the suitability of the product, having regard to their specific investment objectives, financial situation and particular needs before deciding to subscribe for or purchase any product.