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Build your portfolio with as little as SGD100 a month at SGD1 commission. Select from more than 230 stocks across 5 markets.
What Is Monthly Investment Plan?

Investing does not have to be costly, complicated and time-consuming. With Monthly Investment Plan, there is now an affordable and simpler way to invest. 

Start building a portfolio of blue chip stocks with as little as SGD100 a month at SGD1 commission and erase the need to time the market – just choose a counter, set an amount, and Monthly Investment Plan automatically buys that counter for you every month. This means you buy more shares when its price is low, and less shares when the price is high.

Benefits of Monthly Investment Plan

Extensive List of Securities in Multiple Markets
Select from over 230 stocks across 5 markets - Singapore, USA, Hong Kong, Malaysia and Thailand - including STI ETF, Ascendas REIT, Apple, Alphabet Inc., Alibaba and Tencent. 

The stocks are typically components of popular indices.  For the Singapore market, all 30 component companies of The Straits Times Index (STI) are available through Monthly Investment Plan. You can also trade certain exchange traded funds (ETFs), like NIKKO AM STI ETF 100 and SPDR STI ETF, and Real Estate Investment Trusts (REITs). 

For the US market, all 30 companies that comprise the Dow Jones Industrial Average are available, among others.

Click here for the full list of securities that you can invest in via Monthly Investment Plan.

Build a Portfolio of Blue Chips Stocks with as Little as SGD100 Per Month at SGD1 Commission
Investing does not have to be capital intensive.  Purchase stocks in smaller amounts with your chosen monthly investment and pay as little as SGD1 in commission.

Example of how many shares you can purchase with SGD100, SGD200, SGD500 and SGD2000 monthly:

Code Name Price (SGD)^ With SGD100 With SGD200 With SGD500 With SGD2000
ES3 STI ETF 3.08  32  64  162  649
G3B NIKKO AM STI ETF 3.16  31  63  158  632
T82U SUNTEC REIT 1.75  57  114  285  1142
S68 SGX 7.12  14  28  70  280

^As of 22 November 2018 
The example above does not take into consideration market liquidity, fees and charges.

Click here and refer to ''Fees and Charges Under Monthly Investment Plan'' to find out more about our rates. 


Hassle-Free, Regular Investing
Monthly Investment Plan automatically executes your investments every month based on your predetermined investment amount.  This means that you buy more stocks when the price is low and fewer stocks when the price is high. Your average price per stock could potentially be lower. This is known as Dollar-Cost Averaging. Dollar-Cost Averaging lessens the risk of investing a large amount in a single investment at the wrong time.

An Example of Dollar-Cost Averaging*:

Lump Sum Investment


Investment Amount

Price of Blue Chip Share A

Number of Shares Bought









Total invested = SGD400

Cost per share = SGD400/400 = SGD1

Dollar Cost Averaging Via Monthly Investment Plan


Investment Amount

Price of Blue Chip Share A

Number of Shares Bought





















 Total invested = SGD400

Cost per share = SGD400/520 = SGD0.77

Monthly Investment Plan could save you SGD1 - SGD0.77 = SGD0.23 per share!

*This example is for illustrative purposes only.  It does not include brokerage or other fees.

Convenient and Flexible
Submit your purchase instructions via KE Trade Online.  Selling your stocks and amending your counters or investment amount can also be done easily, online, anytime. 


No Lock-In Period
You may choose to stop or resume your monthly investment whenever you want online, anytime.


How It Works

Monthly Investment Plan is a service that is offered to all Prefunded Trading Account holders. Decide on a monthly investment amount, pick your preferred counter for investment and submit your request online. Then set up your preferred recurring fund transfer arrangement to fund your monthly investment.

Make Your Decisions
Decide on your monthly investment amount and preferred stock for investment - it's that simple. Select from over 230 stocks across the Singapore, United States, Hong Kong, Malaysia and Thailand markets.

Pay for Your Purchases
You may elect to set up a recurring fund transfer arrangement via internet banking or apply for GIRO direct debit authorisation to make monthly payment.

Execute Orders

Orders submitted under the Monthly Investment Plan service are scheduled to be executed on the 8th (T day) and 9th (T+1 day) of every month, as stipulated in the table below.

Day of the Month (T)

Day of the Month (T+1)*

All orders including foreign markets


*With effect from November 2018

If T day is a non-business day in Singapore, the purchase T date will be the first business day after the 8th of that month. T+1 day will be the next business day following T day.


Change Your Investment Amount and Preferred Stock

Enjoy the flexibility of amending your stocks or investment amount online, anytime.

Sell Your Stock
The preferred stock that you have bought under Monthly Investment Plan will be reflected on KE Trade under Prefunded Trading Account. You may continue to hold onto the shares bought under Monthly Investment Plan or choose to sell your investments via KE Trade or by calling your Trading Representative.


Trading can be more rewarding with these promotions!


1. Receive Up To S$120 Worth Of Commission Rebates & Walk Away With A S$20 Shopping Voucher!

Enjoy S$0 commission on your MIP trades (capped at S$120) for 6 months. Plus, stand a chance to take home a shopping voucher worth S$20 when you trade SG stocks and maintain your MIP for 3 months! 


Terms and Conditions:

  • This Promotion runs from 1 January 2019 to 30 June 2019 (“Qualifying Period”), for a period of 6 months from the first Monthly Investment Plan trade (“Promotion Period”).
  • This Promotion is open to existing and new clients ("Client"), who commenced their first Monthly Investment Plan trade during the Qualifying Period.
  • Eligible client will enjoy $0 commission for MIP trades for a period of 6 months from their first MIP trade. In addition, the first 650 eligible clients who execute the first SGX-listed MIP trade during the Qualifying Period and maintain the MIP for at least 3 months from the date of the first MIP trade will be eligible to receive a complimentary shopping voucher worth S$20.
  • The Promotion entitles each Client a maximum of $20 rebates per month, capped at a maximum rebate of S$120 (“the Rebate”).
  • The Rebates shall be paid into the eligible client’s account in one lump sum within 2 months following the end of the Promotion Period.

Click here for the full terms and conditions.


How Do I Apply?

Step 1: Open a KE Trade Prefunded Account by filling in this online form.

Step 2: Once your account has been set up, log in to KE Trade Online and go to e-Services > Monthly Investment Plan.

Step 3: Key in your preferred monthly investment amount and the stock you wish to purchase.

Risks Of Trading In Stocks

Stock trading carries certain risks. If you are not careful, you may risk losing some or all of the money invested. By understanding the risks involved in stock trading, you can take steps to manage your investments better.

Volatility of Stock Market
Share prices fluctuate due to various reasons including the profitability of businesses, market sentiment and may often moves unexpectedly due to major events or disasters. These fluctuations may cause losses.

It is therefore important to stay abreast of the latest available news to keep yourself updated on the latest happenings, and adjust your positions accordingly.

When there is a unusually wide bid-ask spread or large price movements, investors may not be able to buy or sell a security quickly enough at a price that is not substantially different from the prioces for previous transactions. Investors may suffer a loss or have to close the trade with lower profit.

Currency Exchange Rates
When you buy a stock in a foreign currency, be prepared that the foreign currency may become weaker. Thus, you may see a loss in the value of your foreign securities. Constant fluctuations in currency rates may affect investors who trade in short-term investments.

Volatile Dividends

Dividends are profits that are distributed to shareholders. Corporate profits and dividend policies vary over time. You may receive attractive dividends in 1 year but none in subsequent years.

Investment Sectors and Country Risk

A focused portfolio in either single country or sector may experience higher risk of loss due to adverse economic, market and political crisis within that country and/or sector. To mitigate against this risk, it would be wiser to build your portfolio that is diversified across several countries and sectors.  

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