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I am an existing Standard Chartered Current/Checking/Savings Account holder

    How would you like to apply?

    I am NOT an existing Standard Chartered Current/Checking/Savings Account holder

    *SingPass holders with a MyInfo profile can use MyInfo to automatically fill up the form. By clicking “Next”, you will be re-directed to the MyInfo portal, which is not owned or controlled by Standard Chartered Bank (Singapore) Limited or any member of the Standard Chartered Group (the “Bank”). The Bank bears no liability or responsibility over your usage of the MyInfo portal.

    *Please note that MyInfo is temporarily unavailable at the stipulated downtimes:

    Mon, Tues, Thurs, Fri, Sat:  5:00AM to 5:30AM. Wed: 2:00AM to 6:00AM. Sun: 2:00AM to 8:30AM

    I am an existing Standard Chartered Current/Checking/Savings Account holder

      Head, Person, Face

      Strategise your investments with long-term vision

      Prioritise “Time in the Market”, Not “Timing the Market”

      This article is an educational piece on the importance of taking a long-term investing approach. For informational purposes only.

      Investments should be built for the long term

      “Trading” and “investing” are frequently used interchangeably. Both terms represent putting your money into financial assets such as stocks, exchange-traded funds, and unit trusts to grow your money, but they mean very different approaches. “Trading” activity tends to time the market to buy low and sell high, in hopes to make profits over a shorter term. By contrast, “investing” means spending time being invested in suitable financial instruments and taking a steady approach to grow the value of one’s investments over the long term. Of course, there are others who take a combined approach of trading and investing to meet their short-term and long-terms goals.

      At Standard Chartered, we believe spending time in the market is a key strategy to achieving one’s core financial goals. While we understand that with a global recession on the horizon, it is natural to feel uneasy and want to react, it is however important not to lose sight of your long-term investment goals. As such, “Time in the Market” with well advised adjustments to your portfolio will likely prevail over “Timing the Market” during this critical period. Read on to find out how to stay disciplined and work towards your long-term goals.

      Time in the Market, Not Timing the Market

      As the old investment adage goes, “it’s not about timing the market, but about time in the market.” Here are three reasons why “Time in the Market” matters more than “Timing the Market.”

      #1. The exact peaks and troughs of the market are difficult to predict, if not impossible.

      Buying low and selling high by timing the market is an idealistic concept that few people are able to consistently succeed at. A combination of skill and fortuity is needed to accurately predict market peaks and to catch the right time for repurchasing.

      #2. You are less likely to fall prey to emotional investing.

      Timing the market can be emotionally exhaustive, as you have to monitor your investments constantly and battle emotional highs and lows. By prioritising your time in the market, you can better focus on your investment objectives and avoid making impulsive decisions that are led by optimism or fear.

      #3. A consistent approach rides out bumps and helps you avoid accidentally missing some of the best performing days.

      Timing the market wrongly may lead to missing some of the market’s best performing days. By staying invested, you can cushion the impact of market fluctuations over time.

      The bottom line

      Economic downturns do not last forever, and the economy will eventually recover. The crucial thing to remember during this time is to stay focused and true to your long-term investment goals.

      At Standard Chartered, our ‘Today, Tomorrow, and Forever’ approach to Wealth Management is designed to help you meet your near-term needs and grow your wealth for the decades ahead. Growing and protecting your wealth successfully requires following a few important principles. “Time in the Market” is one important guardrail to keep your investing on the right track. If you would like to find out more, you may visit our SC Wealth Select website.

      Disclaimers:

      This article is for general information only and it does not constitute an offer, recommendation or solicitation of an offer to enter into any transaction or adopt any hedging, trading or investment strategy, in relation to any securities or other financial instruments.

      This article has not been prepared for any particular person or class of persons and does not constitute and should not be construed as investment advice or an investment recommendation. It has been prepared without regard to the specific investment objectives, financial situation or particular needs of any person or class of persons. You should seek advice from a licensed or an exempt financial adviser on the suitability of a product for you, taking into account these factors before making a commitment to purchase any product or invest in an investment. In the event that you choose not to seek advice from a licensed or an exempt financial adviser, you should carefully consider whether the product or service described herein is suitable for you. You are fully responsible for your investment decision, including whether the investment is suitable for you. The products/services involved are not principal-protected and you may lose all or part of your original investment amount. Standard Chartered Bank (Singapore) Limited will not accept any responsibility or liability of any kind, with respect to the accuracy or completeness of information in this article.

      This document is being distributed for general information only and is subject to the relevant disclaimers available at https:// www. sc. com/en/regulatorydisclosures/#market-commentary-disclaimer. It is not and does not constitute research material, independent research, an offer, recommendation or solicitation to enter into any transaction or adopt any hedging, trading or investment strategy, in relation to any securities or other financial instruments. This document is for general evaluation only. It does not take into account the specific investment objectives, financial situation or particular needs of any particular person or class of persons and it has not been prepared for any particular person or class of persons. You should not rely on any contents of this document in making any investment decisions. Before making any investment, you should carefully read the relevant offering documents and seek independent legal, tax and regulatory advice. In particular, we recommend you to seek advice regarding the suitability of the investment product, taking into account your specific investment objectives, financial situation or particular needs, before you make a commitment to purchase the investment product. Opinions, projections and estimates are solely those of SCB at the date of this document and subject to change without notice. Past performance is not indicative of future results and no representation or warranty is made regarding future performance. Any forecast contained herein as to likely future movements in rates or prices or likely future events or occurrences constitutes an opinion only and is not indicative of actual future movements in rates or prices or actual future events or occurrences (as the case may be). This document must not be forwarded or otherwise made available to any other person without the express written consent of the Standard Chartered Group (as defined below). Standard Chartered Bank is incorporated in England with limited liability by Royal Charter 1853 Reference Number ZC18. The Principal Office of the Company is situated in England at 1 Basinghall Avenue, London, EC2V 5DD. Standard Chartered Bank is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority. Standard Chartered PLC, the ultimate parent company of Standard Chartered Bank, together with its subsidiaries and affiliates (including each branch or representative office), form the Standard Chartered Group. Standard Chartered Private Bank is the private banking division of Standard Chartered. Private banking activities may be carried out internationally by different legal entities and affiliates within the Standard Chartered Group (each an “SC Group Entity”) according to local regulatory requirements. Not all products and services are provided by all branches, subsidiaries and affiliates within the Standard Chartered Group.

      Market Abuse Regulation (MAR) Disclaimer Banking activities may be carried out internationally by different branches, subsidiaries and affiliates within the Standard Chartered Group according to local regulatory requirements. Opinions may contain outright “buy”, “sell”, “hold” or other opinions. The time horizon of this opinion is dependent on prevailing market conditions and there is no planned frequency for updates to the opinion. This opinion is not independent of Standard Chartered Group’s trading strategies or positions. Standard Chartered Group and/or its affiliates or its respective officers, directors, employee benefit programmes or employees, including persons involved in the preparation or issuance of this document may at any time, to the extent permitted by applicable law and/or regulation, be long or short any securities or financial instruments referred to in this document or have material interest in any such securities or related investments. Therefore, it is possible, and you should assume, that Standard Chartered Group has a material interest in one or more of the financial instruments mentioned herein. Please refer to https://www.sc. com/en/banking-services/market-disclaimer.html for more detailed disclosures, including past opinions/ recommendations in the last 12 months and conflict of interests, as well as disclaimers. A covering strategist may have a financial interest in the debt or equity securities of this company/issuer. This document must not be forwarded or otherwise made available to any other person without the express written consent of Standard Chartered Group.

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      Singapore dollar deposits of non-bank depositors are insured by the Singapore Deposit Insurance Corporation, for up to S$75,000 in aggregate per depositor per Scheme member by law. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured. For clarity, investment products are not deposits and each of the investment products mentioned do not qualify as an insured deposit under the Singapore Deposit Insurance and Policy Owners’ Protection Schemes Act 2012, Rev. Ed. Cap 77B.

      This advertisement has not been reviewed by the Monetary Authority of Singapore.