When I sell away my STI ETF units away, how much money do I redeem back?

Hi anon,

ETF investments are never capital guaranteed, so you will get back an amount equal to:

Number of units x Price sold at - Fees incurred = Final amount received

This applies to shares, etc, as well, even if you are buying under DBS RSP.

I must emphasize again: ETFs are not capital guaranteed. The same goes for shares/UTs/REITs, etc.

It doesn't matter whether you go through DBS RSP, OCBC BCIP, buy on your own, do Stashaway or go through a robo advisor or a financial advisor to invest in these asset classes. Your capital is not guaranteed.

It's based on the current price.

If you bought ES3, it's currently $3.27. If you bought it exactly one year ago, it was $3.13. So you make 14 cents profit per share you bought or about +4.47%.

If you bought it on 15th July at it's peak of $3.43 and sell today at $3.27, you'd make a loss of 16 cents per share or about -4.66%.

So no, this investment is not capital guaranteed.