How does investing work with DBS Multiplier? RSP only counts for 12 months. What about lump sum? Do I have to make lump sum investment every month for it to count?

To qualify for the investment category on DBS Multiplier, you will need to invest through one of three things:

• DBS Invest-Saver RSP - capped at 12 months only

• Unit Trust lump sum - for the month only

• DBS Vickers BUY transaction - for the month only

If your investment plan involves DCAing into a SGX counter every month, the DBS Vickers route may make sense. However I would not encourage you to deliberately invest in this manner just to get the higher interest. The commissions accrued may even exceed the interest gained. Always choose products and investments by their own merits - products like DBS Multiplier are designed to get you to use more of their services and earn them more revenue.​​​