Important Note
- This is a fund of funds that will invest at least 80% of its net assets in UCITS (undertaking for collective investment in transferable securities)/UCIs (undertaking for collective investment).
- Investing in this fund may expose investors to exchange/currency risk, concentration risk, emerging markets risk, Eurozone risk as well as risks of investing in other schemes and/or ETFs. It may also involve risks relating to Standard Chartered’s CIO selection strategy, termination of the right to use Standard Chartered’s CIO selection strategy, risks associated with debt securities (including credit/counterparty risk, interest rate risk, below-investment-grade/unrated bonds risk, sovereign debt risk, volatility and liquidity risk, downgrading risk, valuation risk and credit rating risk), as well as risk of investment in collateralised and/or securitised products.
- The fund may invest in underlying schemes which may use FDI extensively for investment purposes, or of which the net derivative exposure is more than 50% of the underlying schemes’ net asset value. Investment in FDI is subject to additional risks, including counterparty and credit risk, liquidity risk, valuation risk, volatility risk and over-the-counter transaction risk. The leverage element/component of an FDI may result in significant losses.
- For distribution class, the fund may at its discretion determine to pay dividends out of income or capital or effectively out of capital of the fund. Payment of dividends out of capital and/or effectively out of capital amounts to a return or withdrawal of part of an investor’s original investment or from any capital gains attributable to that original investment. Any distributions involving payment of dividends out of the fund’s capital or payment of dividends effectively out of the fund’s capital (as the case may be) may result in an immediate reduction of the net asset value per share of the fund.
- The value of the fund can be volatile and could go down substantially. Investors may suffer substantial loss.
- Investors should not only base on this marketing material alone to make investment decisions.
In a hurry? Read this summary:
- Just as football teams achieve victory through disciplined strategy, rather than relying on fleeting moments of brilliance, long-term investment success is built on consistent, structured approaches rather than impulsive reactions.
- Top football teams thrive by developing balanced squads and flexible tactics, similarly, diversified portfolios with clear asset allocation help investors manage risk and adapt through market cycles.
- Staying focused on long-term goals is essential. Signature CIO Funds are specifically designed to help investors maintain discipline and avoid short-term emotional decisions, offering a structured framework that keeps portfolios aligned with their ambitions and supports steady progress toward long-term success.
Table of Contents
- Consistency Over Timing: Lessons on Long-Term Investments from Football
- Short-term market volatility vs long-term investment strategies
- Lessons in consistency from football
- Consistency in practice: Long-term investments based on a disciplined asset allocation strategy
- How Signature CIO Funds provide discipline and diversification with a long-term investment horizon
- Signature CIO Conservative Fund
- Signature CIO Income Fund
- Signature CIO Balanced Fund
- Signature CIO Growth Fund
- Balancing discipline and flexibility through Signature CIO Funds
Consistency Over Timing: Lessons on Long-Term Investments from Football
Consistency plays a critical role in helping teams progress in high stakes football tournaments such as the FIFA World Cup or the UEFA Champions League. Rarely are matches decided by isolated moments of brilliance or impulsive, emotional reactions to changing conditions over the course of a game.
Capital market investments operate under similar principles, with short term volatility often an unavoidable feature. This is why disciplined asset allocation and portfolio diversification are essential, ensuring investments remain aligned with long term objectives through different market cycles.
This philosophy aligns with the approach of the Signature CIO Funds designed to provide investors with access to Standard Chartered’s Chief Investment Office views via a global diversified multi-asset fund of funds portfolio, wherein consistency takes precedence over timing to provide investors with consistent returns.
Short-term market volatility vs long-term investment strategies
Fluctuations in capital markets create an illusion of opportunity. Sharp movements—whether driven by corporate earnings, interest rates, policy, or general investor sentiment—can tempt one to time their entries and exits, in pursuit of gains. However, these decisions may potentially be emotional or reactive in nature, potentially increasing the risk of mistimed moves that could dilute portfolio performance in the long run.
Investors with a disciplined, long-term mindset recognise that volatility is a normal feature of capital markets, not an exception. Rather than reacting emotionally to short term market movements or attempting to time entry and exit points, they benefit from staying invested to harness the power of compounding, while adhering to a clearly defined asset allocation strategy. Importantly, this strategy should remain aligned with one’s long term financial goals, investment horizon, and risk profile.
Moreover, portfolio diversification also plays a critical role in navigating market fluctuations without abandoning one’s investment strategy. A portfolio that has coverage across asset classes, sectors, geographies and investment styles helps mitigate concentrated risks and, over time, has a significant impact on portfolio outcomes.
Lessons in consistency from football
In 2025, Paris Saint Germain (PSG) secured their first UEFA Champions League title with a 5–0 victory over Inter Milan in the final, the biggest ever win recorded in the competition’s history. This success was not driven by short term brilliance, but by sustained strategic evolution over time. Earlier setbacks, often stemming from over dependence on individual stars, highlighted the risks of imbalance and underscored the value of structure and diversification.
The departure of star players such as Neymar Júnior, Lionel Messi and eventually, Kylian Mbappé, marked a turning point for the team. Under manager Luis Enrique, PSG became all-rounded robust unit, with disciplined players who prioritised structure and positional intelligence. They also worked towards improving their tactics, including coordinated pressing systems and flexible attacking patterns. These allowed the players to adapt to evolving conditions throughout tournaments, without abandoning their core playing style.
Their victory underscores a fundamental truth of long-term investing: Dramatic, short-term moves seldom yield results. It is only disciplined and consistent adherence to a defined strategy that does.
Consistency in practice: Long-term investments based on a disciplined asset allocation strategy
Successful football teams operate within clearly defined tactical frameworks that guide decision making across entire seasons. While in game adjustments are inevitable, they are made within established boundaries, ensuring short term shifts in tempo do not undermine long term objectives.
The best teams prioritise controlled, measured adjustments over emotional reactions. Unexpected results prompt incremental refinements rather than wholesale changes in approach. By anchoring decisions to a broader strategy while allowing for thoughtful tweaks, teams avoid the pitfalls of chasing immediate outcomes at the expense of consistency.
It is beneficial for one to have the same discipline when it comes to investing. Long-term investment outcomes are shaped by adherence to clearly defined objectives and, subsequently, an appropriate asset allocation strategy. Reacting to short-term market movements after a singular fluctuation may undermine portfolio structure and performance. By contrast, investment portfolios guided by a consistent framework are better equipped to navigate volatility and stay resilient across market cycles.
How Signature CIO Funds provide discipline and diversification with a long-term investment horizon
Just as team managers must rely on specific frameworks to guide decisions amidst evolving conditions, investors must also look to build portfolios built around defined strategies, rather than impulsive reactions to short-term market fluctuations. It is within this context that Signature CIO Funds emerge as a viable option for the discerning investor, with each fund designed around the philosophy of consistency, structure, and long-term focus.
The suite of funds comprises four distinct global funds of funds, each designed with specific investment objectives and risk profiles in mind.
Signature CIO Conservative Fund
Signature CIO Conservative Fund is suited to investors who seek lower volatility levels and prioritise capital preservation. The fund prioritises asset allocation to fixed income. Given their low correlation to capital market movements when compared to equities, they are generally more resilient during market downturns.
Signature CIO Income Fund
This fund attempts to generate a stable income for investors, primarily by investing in a diversified portfolio of fixed-income instruments, along with investments to a smaller extent in equities, hybrid instruments and money market instruments. As a secondary objective, it also aims to provide one with capital appreciation, over a mid-to-long term investment horizon.
Signature CIO Balanced Fund
A moderately balanced fund, it blends equities and fixed-income instruments, with a slightly heavier tilt towards equities, alongside fixed income, gold and money market/cash instruments. The fund attempts to provide investors with a blend of capital appreciation and a stable income over a mid-to-long-term investment horizon.
Signature CIO Growth Fund
This fund targets investors who pursue aggressive capital appreciation over the long run, with a heavy allocation towards equities, as compared to fixed-income instruments and money market instruments. At the same time, however, exposure to commodities such as gold helps mitigate risks arising from concentration and the volatility traditionally associated with equities, while capturing emerging growth opportunities.
Balancing discipline and flexibility through Signature CIO Funds
Signature CIO Funds cater to different investment objectives and risk profiles, and are professionally managed, consistently monitored, and periodically rebalanced. This disciplined approach helps investors avoid impulsive and often risky reactions to short term market movements, while maintaining a long term perspective that supports compounding and keeps portfolios aligned with their core investment objectives
In both investing and football, long term success is seldom driven by timing but is built on disciplined execution of a clear strategy. Signature CIO Funds reflect this approach, offering investors a structured way to pursue their long term objectives.
To explore the full range of Signature CIO Funds and determine which one best aligns with your profile, visit our website, or reach out to a Standard Chartered Relationship Manager by using the myRM feature via online banking or the SC Mobile Banking App today.
Disclaimers
*Based on assets under management (AUM) as at 31 December 2022.
The information in this document is as at 30 June 2023 except where otherwise stated.
The role of Standard Chartered Bank (Singapore) Limited (“SCB SG”) as the fund’s Investment Advisor is solely advisory in nature while Amundi as the Investment Manager will have the final authority and decision regarding investments of the fund.
The role of SCB SG as the fund’s Investment Advisor does not imply official recommendation, it is not a recommendation or endorsement of a product, nor does it guarantee the commercial merits of a product or its performance.
This material contains information about AMUNDI ASIA FUNDS SIGNATURE CIO CONSERVATIVE FUND, AMUNDI ASIA FUNDS SIGNATURE CIO BALANCED FUND, AMUNDI ASIA FUNDS SIGNATURE CIO GROWTH FUND, AMUNDI ASIA FUNDS SIGNATURE CIO INCOME FUND (the “Funds”), sub funds of Amundi Asia Funds, an undertaking for collective investment in transferable securities existing under Part I of the Luxembourg law of 17 December 2010, organized as an open-ended mutual investment fund (“fonds commun de placement”). The management company of the Funds is Amundi Luxembourg S.A., 5, allée Scheffer, L-2520 Luxembourg and the Hong Kong Representative of the Funds is Amundi Hong Kong Limited, Suites 04-06, 32nd Floor, Two Taikoo Place, Taikoo Place, 979 King’s Road, Quarry Bay, Hong Kong (Amundi Luxembourg S.A. and/or its affiliated companies, including without limitation Amundi Hong Kong Limited, being hereinafter referred to individually or jointly as “Amundi”).
Investors should not only base on this document alone to make investment decisions. Investment involves risk. The past performance information of the market, manager and investments and any forecasts on the economy, stock market, bond market or the economic trends of the markets which are targeted by the fund(s) are not indicative of future performance. Investment returns not denominated in HKD or USD is exposed to exchange rate fluctuations. The value of an investment may go down or up. The offering document(s) should be read for further details including the risk factors. The fund(s) may use financial derivatives instruments as part of the investment strategy and invest in securities of emerging markets or smaller companies, or fix income securities. This involves significant risks and is usually more sensitive to price movements. The volatility of fund prices may be relatively increased. Issuers of fixed-income securities may default on its obligation and the fund(s) will not recover its investment. Additional risk factors are described in the offering document(s). Investors are advised to be aware of any new risks that may have emerged in the prevailing market circumstances before subscribing the fund(s).
Amundi is not responsible for the publication of this material. Certain information contained in this material has been obtained from Amundi which has not been independently verified, although Amundi and its affiliated companies believe such information to be fair and not misleading. Amundi does not accept any liability whatsoever whether direct or indirect that may arise from the publication of this material by Standard Chartered Bank (Hong Kong) Limited and use of information contained in this material. Amundi and its associates, directors, connected parties and/or employees may from time to time have interests and or underwriting commitments in the investments mentioned in this material. Amundi does not guarantee that all risks associated to the transactions mentioned herein have been identified, nor does it provide advice as to whether you should enter into any such transaction. Amundi does not make any representation as to the merits, suitability, expected success, or profitability of any such transaction mentioned herein.
Investment Fund is an investment product and some Investment Funds would involve derivatives. The investment decision is yours, but you should not invest in Investment Fund unless the intermediary who sells it to you has explained to you that the product is suitable for you having regard to your financial situation, investment experience and investment objectives.
Investment involves risks. The prices of units/ shares of unit trusts or mutual funds fluctuate, sometimes dramatically and the worst case may result in loss of your entire investment amount. It is as likely that losses will be incurred rather than profit made as a result of buying and selling unit trusts or mutual funds. Past performance of any Investment Fund is no guide to its future performance.
Investors should carefully read the relevant offering documents and in particular the Terms & Conditions contained therein, the investment policies and the risk factors and latest financial results information. It is desirable that the Investor seeks independent financial advice with respect to any investment decision.
Investors should ensure they fully understand the risks associated with unit trusts or mutual funds and should also consider their own investment objective, investment experience, financial situation and risk tolerance level before making any investment decision.
