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Financial Planning
Financial planning is the process of meeting your life goals and being able to maintain the kind of lifestyle you desire through the proper management of your finances. Life goals can include buying a home, saving for your child’s education or planning for retirement.
Throughout your lifetime, careful and strategic planning is needed to manage your earnings, savings and investments. Baiduri Bank uses a flexible, integrated system that will help you determine how to best reach your financial goals.
The Baiduri Bank Financial Health Review is a process that involves identifying your goals, establishing your priorities and assessing your options to help you achieve your financial goals. It provides a solid foundation upon which you can build a secure financial future. We understand that putting a financial plan in place requires both objective and expert advice. That’s why Baiduri Bank has a team of dedicated Personal Financial Planners (PFPs) to assist you in planning for your long-term financial health. Visit any Baiduri Bank now for your own Financial Health Review. |
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Baiduri Twin Currency Deposit
Higher investment returns are now within your reach. |
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| Life Insurance Products |
AIA Endowment Plan 18 & 21 TMAE, Whole Life Insurance, US Guaranteed 8, Optimizer, Investment Growth Plan and Smart Growth.
An effective savings tool to help you realize your dreams and aspirations be it further education or an exotic vacation, or to retire comfortably with the assurance that you are financially secure. We partner with AIA, the largest life insurer in Southeast Asia, to offer you a combination of insurance protection and savings benefits. Act now to ensure that you and your family can enjoy the great future that you deserve. |
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| High Yield Certificate of Deposit |
| A high yield certificate of deposit or CD is a financial product commonly offered to consumers by banks. Such CDs are similar to savings accounts in that they are guaranteed by the issuing bank. They are different from savings accounts in that the CD has a specific fixed term and a fixed interest rate. It is intended that the CD be held until maturity, at which time the money may be withdrawn together with the accrued interest. It is a closed-ended medium term investment with attractive high yield. |
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| BND Term Deposit |
| An investment that suits the conservative investor. It offers an interest rate that is better than the BND Savings Account. A minimum of BND1,000 for an investment tenure of 1, 3, 6, 9 and 12 months. |
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| Foreign Currency Savings Account |
| An investment that suits the moderate investor. It offers an interest rate that is better than the BND Savings Account and BND Term Deposit Account. In addition, investors also get to take advantage of favourable exchange rate movements, with the convenience of withdrawing or depositing cash at anytime. A wide selection of currencies is available for you to choose from, ranging from the Australian Dollar, Canadian Dollar, Hong Kong Dollar, New Zealand Dollar, Euro, US Dollar and Great Britain Pound. |
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| Foreign Currency Term Deposit |
| An investment that suits the moderate investor. It offers an interest rate that is better than the BND Savings Account, BND Term Deposit Account and Foreign Currency Savings Account. Additionally, investors get to take advantage of favourable exchange rate movements, with a wide selection of currencies to choose from including the Australian Dollar, Canadian Dollar, Hong Kong Dollar, New Zealand Dollar, Euro, US Dollar and Great Britain Pound. |
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| Structured Deposit |
| A structured deposit is a financial product commonly offered to consumers by banks. Such structured deposits are a combination of a saving account and a structured investment where capital is guaranteed by the issuing bank. They are different from savings accounts in that the Structured Deposit returns depend usually on the performance of an underlying financial instrument. |
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| View Monthly Report for Baiduri Structured Deposit - Series 1 (BSD - S1) |
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| View Monthly Report for Baiduri Millennium Structured Deposit - Series 1 (BMSD - S1) |
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| View Monthly Report for Baiduri Millennium Structured Deposit - Series 2 (BMSD - S2) |
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| Mutual Fund |
| A mutual fund is a professionally-managed form of collective investments that pools money from many investors and invests it in stocks, bonds, short-term money market instruments, and/or other securities. In a mutual fund, the fund manager, who is also known as the portfolio manager, trades the fund's underlying securities, realizing capital gains or losses, and collects the dividend or interest income. The investment proceeds are then passed along to the individual investors. The value of a share of the mutual fund, known as the net asset value per share (NAV), is calculated daily based on the total value of the fund divided by the number of shares currently issued and outstanding. |
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SGAM Bonus Builder Fund
Amazing yield draws
astounding reactions.
An opportunity for you to achieve potential long-term capital growth through participation in the top 5 stock indices in Asia, namely Japan, Hong Kong, Australia, Taiwan and Korea. Plus, you can enjoy a fixed payout of 4.8% per annum, payable every quarter. Start investing with as little as BND1,000. |
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| Asset class |
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Capital protected/Guaranteed |
| Sector |
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General |
| Geographical Allocation |
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Asia including Japan |
| Risk rating |
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4-Moderately Low Risk |
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SGAM Singapore Dividend Growth
Your dividend cheque is in
the mail.
This is a unique Singapore equities fund with a focus on high dividend yield stocks. It also offers potential semi-annual payouts and long-term capital growth. You can start enjoying the benefits with a minimum investment amount of BND1,000. |
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| Asset class |
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Equity |
| Sector |
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General |
| Geographical Allocation |
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Singapore |
| Risk rating |
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8-High Risk |
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SGAM Golden China Fund
Fiery golden opportunity to
invest in the best of China.
This fund feeds into the Luxembourg-registered SGAM Fund – Equities China, primarily invests in Chinese companies listed on regulated markets including Hong Kong, China and Singapore. You can invest in SGD or USD currency with a minimum investment of S$1,000 or US$1,000. |
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| Asset class |
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Equity |
| Sector |
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General |
| Geographical Allocation |
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Greater China |
| Risk rating |
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8-High Risk |
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SGAM Global Luxury & Lifestyle Fund
This fund feeds directly into the Luxembourg domiciled SGAM Fund/Equities Luxury & Lifestyle which replicates the successful French mutual fund SGAM Invest Secteur Luxe with annualized return of 24% since inception in October 2002. You can invest in SGD or USD currency with a minimum investment of S$1,000 or US$1,000. |
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| Asset class |
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Equity |
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Global Luxury |
| Geographical Allocation |
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Global |
| Risk rating |
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9-Higher Risk |
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SGAM India Infrastructure Fund
India is a market set to realize its potential and it offers tremendous growth opportunities for companies involved in infrastructure. India is one of the fastest growing economies in the world, with a growth rate of 8 – 9%. You can invest in SGD or USD currency with a minimum investment of S$1,000 or US$1,000. |
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| Asset class |
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Equity |
| Sector |
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Infrastructure |
| Geographical Allocation |
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India |
| Risk rating |
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10-Highest Risk |
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