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You don’t need a huuuuuuge amount of money to invest
Maybe you’re just starting out. Or maybe you’re a seasoned pro who’s looking to diversify with something simple. With AutoInvest, you don’t need five figures to dive in. You can start investing with just $1.
It turns your spending into an investing habit. Ka-ching!
Every time you use Grab, an amount you choose will be transferred from your GrabPay Wallet balance and invested*. You can start and stop investing anytime you want.
*To see when you’ll invest, click here.
Transfer money back to your GrabPay Wallet anytime
If you have a fear of commitment, AutoInvest is your perfect match. With no lock-in period, you can transfer* your money back to your GrabPay Wallet whenever you wish. No fuss. No penalties.
You can then transfer funds from your GrabPay Wallet to your bank account seamlessly.
*Each transfer may take 2–4 working days.
Watch your money (and your pride) grow
Check how your investments are doing whenever you like. It’s easy. Just takes a few clicks in your Grab app.
Note: It may take 2 – 4 working days for your money to be fully invested and reflected in your AutoInvest plan.
You probably can’t buy an exotic island or pay for big things like your wedding, but with your AutoInvest micro-capital and earnings, you can pay for your day-to-day needs and wants with your GrabPay Wallet.
Your investments are placed in a portfolio of money market and short-term fixed-income mutual funds to create an investment solution with stable returns. The 1.18% p.a. returns* are net of all fees.
*Estimated returns are not guaranteed or protected.
Learn more about the underlying funds here.
Your money is invested in funds managed by asset managers with track records for consistent performance such as Fullerton Fund Management and UOB Asset Management.
Your portfolio is reviewed every quarter. We use the latest market data and forecasts to optimise for best returns within risk targets.
You pay an all-inclusive fee of less than 0.45% p.a. That's less than $0.45 per year for every $100 invested. We earn a portion of existing fund fees, allowing us to keep the subscription and redemption of units 100% free for you.
For details on fees, check out our FAQs.
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In queue | GrabInvest has received your instruction to invest in AutoInvest and is preparing the investment buy orders for the Asset Management Company to execute. |
Currently processing | GrabInvest has instructed the Asset Management Company to process your request and your investment buy order is currently in progress. |
Awaiting investment | Transfer of investment amount from GrabPay Wallet to AutoInvest is in progress. |
Cancelled | You have initiated a cancellation on your instruction to invest and GrabInvest is processing your cancellation. Cancellation will take 1 to 2 working days to be completed and you’ll be notified once we have refunded the amount you transferred back to your GrabPay Wallet. You can only cancel a Transfer-in while it is “In queue”. Once the status is “Currently processing” the Transfer-in can no longer be cancelled as your investment buy order has already been submitted to the Asset Management Company. |
Refunded | GrabInvest has cancelled your instruction to invest and we have refunded the money back to your GrabPay Wallet. |
Invested | Your money has been invested in the investment fund. You can check details of your investment and its performance on the AutoInvest page. |
Transfer Unsuccessful | Your GrabPay Wallet balance is less than the automatic transfer amount you set in your AutoInvest plan. You can avoid this on your next transfer by topping up your GrabPay Wallet or by activating Auto Top-Up to your GrabPay Wallet. Refer to Section 1.16 on what you can do if your AutoInvest transfer is unsuccessful or declined. |
Buying | GrabInvest has received your money, and the investment buy order is “In queue” or is “Currently processing” |
Bought | Your money has been invested in the investment funds. |
Cancelled | GrabInvest has cancelled the investment buy order because you have cancelled your instruction to invest. This cancellation can only happen if you have requested to cancel before your Transfer-in to AutoInvest is indicated as “Currently processing”. |
In queue | GrabInvest has received your withdrawal request and is currently preparing the investment sell order for the Asset Management Company to execute. |
Currently processing | GrabInvest has instructed the Asset Management Company to process your investment sell order. You can no longer cancel your withdrawal request. |
Cancelled | You have initiated a cancellation on your withdrawal and GrabInvest has processed your cancellation. This cancellation can only happen if you make this request before your withdrawal is indicated as “Currently processing”. |
Transferred | GrabInvest has processed your withdrawal. Your money has been transferred to your GrabPay Wallet. You can check your transfer status in the “Recent Transfer” section in the AutoInvest page. |
Selling | GrabInvest has received your withdrawal request, and the investment sell order is “In queue” or “Currently processing”. Where your status is “Currently processing” you can no longer cancel your withdrawal request. |
Sold | We have completed your investment sell order. Money will be transferred to your GrabPay Wallet once all the investment sell orders have been completed. |
Cancelled | GrabInvest has cancelled the investment sell order because you have cancelled your withdrawal request. This cancellation can only happen if you make such a request before your withdrawal is indicated as “Currently processing”. |
Rebalancing | GrabInvest has created the investment sell and buy orders, and the investment sell and buy orders are being processed |
Rebalancing completed | The Asset Management Company has successfully processed the sell and buy orders. You can now see your latest portfolio allocation in the “Portfolio” section. |
The content on this website is for information purposes only. For full GrabInvest Terms and Conditions, click here
Risk Disclaimer: All forms of investments carry risks. Past performance is not a representative of future performance. Please ensure that you fully understand the risks and costs involved by reading the General Risk Disclosures found under the GrabInvest Terms and Conditions here
Any advertisements on the website have not been reviewed by the Monetary Authority of Singapore.
GrabInvest (S) Pte Ltd is regulated by the Monetary Authority of Singapore and holds a Capital Markets Services licence (CMS100908)
3 Media Close,
Singapore 138498
No money is invested for transactions made using Cash, PayPal, PayLater or Corporate Postpaid payments.
Subscription refers to your deposit used to subscribe or buy into units of a fund.
Redemption refers to your withdrawal request from the fund by selling the units you hold.
Your quick guide to investment terms, from A to Z.
An asset is something containing economic value or future benefit. An asset can often generate cash flows in the future, such as a piece of machinery, a financial security, or a patent.
Personal assets may include a house, car, investments, artwork, or home goods. Investment assets can be unit trusts, stocks, bonds, or cash.
Usually the asset allocation is the implementation of an investment strategy that aims to balance risk versus reward by adjusting the percentage of each asset in an investment portfolio according to the investor’s risk tolerance, goals and investment time frame.
An asset class is a grouping of investments that have similar characteristics, and are often subject to the same laws and regulations. Example of asset class: stocks, bonds, and money market.
An investment expert or professional who is tasked with managing your funds. Also known as ‘investment manager’ or ‘fund manager’.
Asset managers in Singapore are regulated by MAS.
Buy is the short term of “buy order”. Buy order is an instruction to the asset management company to purchase the agreed investment on your behalf.
A fixed income security.
When someone asks you how much capital you have, it usually means ‘how much cash / money do you have that’s available for use’. Not to be mistaken with assets.
Having a Capital Markets Service License basically means that a company is authorised to conduct activities licensed by the Monetary Authority of Singapore (MAS).
GrabInvest has a Capital Markets Service License for fund management.
The process in which an asset’s returns are reinvested to generate additional returns over time. If you invested $100 and made $2 of returns this year, then next year you will earn a return on $102.
This may seem small initially, but over time this is very powerful and a major driver of your returns in the long run.
In relation to a bond, the interest that is paid to the investor. The coupon is a percentage of the notional amount and expressed as the interest per year, even if the payment frequency can be more often.
Not to be mixed up with yield, which takes into account the price of the bond.
The sum of the market value of the investment funds in your investment plan Current value = sum of {units ✕ latest market price of the individual investment fund}
The act of putting money into your bank account.
Not to be confused with the downpayment you make that’s sometimes refundable when you buy something.
If you’ve ever heard of the saying, ‘don’t put all your eggs in one basket’, this is what ‘diversify’ means. When you diversify, you’re splitting up your investments into different things. Diversification helps to bring about more consistency in your returns.
The move in prices from the high to the low, usually during a market correction. Low risk assets have much smaller drawdowns than high risk assets. Money market funds can even have no drawdown because they invest in high quality assets with a short maturity.
Used to describe bonds, or borrowings from companies and governments. The bond market is actually bigger than the stock market.
Because bonds have a maturity date when you get your money back and a fixed coupon, the term “fixed income” is used.
Maturities up to 3 years are generally considered short term. Maturities from 10 years and longer are considered long term. There are even 30 year and 50 year bonds!
Most borrowers have ratings that are assigned by rating agencies.
This refers to the date that your investment actually begins. For unit trusts, this is the date where it was set up.
Measure of the rise in general price levels in an economy.
When you invest in something, you’re putting your money in a product which you believe has the potential to make a return.
Every investment has its own risks, some higher than others.
An investment objective is a set of goals an investor has for their portfolio. You can have personal investment objectives, like growing your wealth or earning income.
In the context of a unit trust, the investment objectives clearly define the rules for the asset manager. They will set out the market that can be invested in, the currencies, rating limitations of the assets, maturity limitations and maybe even industry and country limits, the target risk and return profile, and provide a benchmark against which the asset manager will be measured.
Investment products or assets that you can easily turn into cash, with no lock-up period.
Monetary Authority of Singapore. It’s Singapore’s central bank and financial regulatory authority. It administers the various statutes pertaining to money, banking, insurance, securities and the financial sector in general, as well as currency issuance.
In the context of investing, when someone says the ‘market’, they are usually referring to the capital market. In the capital market, you can trade stocks, bonds, foreign exchange, and commodities (like palm oil).
It is a fund that invests only in highly liquid short-term instruments. As a result, these funds offer high liquidity with a very low level of risk to invest in. The MAS has set a strict criteria for what can qualify as a money market fund.
A collection of your investments is called a portfolio. You can have multiple portfolios with different investment objectives.
A prospectus is a document detailing the investment objectives and strategies of a unit trust or fund, as well as the detailed points of the fund’s past performance, managers, related parties, and financial information.
The prospectus is required to be filed with MAS if it should be offered to retail investors in Singapore.
You can access the prospectus of all the funds in your portfolio through the “Portfolio” section in the AutoInvest screen.
A classification or quality score given to borrowers in the fixed income market by rating agencies which reflects the ability of the borrower to repay the money.
The ratings scale ranges from investment grade categories for the highest quality borrowers to high yield categories for companies with more debt to service or deemed a higher risk of non-repayment.
Independent providers of ratings. The biggest ones are Moody’s, Standard & Poor’s, and Fitch Group.
Ratings are used to assess the credit worthiness of a borrower.
Refers to the selling of your investment(s).
When someone describes an investment product as ‘retail’, it means it’s available to everyday folks on the street.
MAS regulations require retail investors to be assessed for investment knowledge and/or experience prior to making an investment
Profits you earn from an investment. Returns are not guaranteed. For the return calculation we use time weighted returns.
When you make an investment, there is always a certain level of risk that you may lose money.
Prices can fluctuate in the market and go up or down. To learn more about risks, refer to the General Risk Disclosures under the GrabInvest Terms and Conditions here.
A security is a tradable financial asset. This can be a bond or a stock.
Funds that invest in the part of the fixed income market that focuses on shorter maturities of up to 3 years on average. Due to the short maturity, the funds have a high degree of certainty about the investment.
Prices are more stable compared to funds that include longer maturity ranges because:
A further sub section of short term fixed income are money market funds which focus on maturities of 1 year or less and have additional criteria for the quality of the borrowers.
Money market funds are even more stable (because the instruments are even shorter) but short term fixed income funds have a higher return.
The optimal allocation of money into the various funds. We regularly update this based on market conditions.
Your specific portfolio allocation may differ slightly from the target allocation due to market price movements in the underlying funds. We rebalance the portfolios on a quarterly basis.
An investment strategy of deciding whether to buy or sell an investment product based on predictions on whether its price would go up or down.
When assets have fallen in price, ‘timing the market’ would be when you find out exactly when the prices would go up again. It is difficult, probably impossible, to accurately predict market movements consistently over time.
The time-weighted rate of return is a measure of the rate of growth in a portfolio. It accounts precisely for the timing of inflows (Transfer-in) and outflows (Withdrawal) and is the preferred measure for portfolios that see active movements.
The time-weighted return breaks up the return on an investment portfolio into daily intervals based on whether money was added into or withdrawn from.
Just a fancy investment word that means ‘to buy and sell’.
The total cost of the fund to the investor expressed as a percentage of its total assets, on an annual basis. A total expense ratio of 0.45% p.a. means the cost is $0.45 per year for every $100 invested.
The main cost item is typically the management fee of the asset manager, as well as smaller cost items including auditors, accountants and legal fees and other operational expenses
These fees are automatically included in the daily calculation of the value of the fund. That means that the return of the fund that you can see on the screen is measured after taking into account all costs.
Just as stocks represent the extent of equity ownership in a company, units represent your extent of ownership in a fund. You are investing by buying units of the investment fund.
A unit trust fund pools money from investors to meet a specific financial objective.
The investment decisions are made by a licensed asset manager and the assets are held by a licensed custodian. A licensed trustee oversees that all rules are being adhered to.
MAS reviews the documentation of all unit trusts that are sold to the public.
Describes how much the price of an asset moves. It is often used as a measure of the riskiness of an asset.
GrabFood delivery-partner, Thailand
GrabFood delivery-partner, Thailand
COVID-19 has dealt an unprecedented blow to the tourism industry, affecting the livelihoods of millions of workers. One of them was Komsan, an assistant chef in a luxury hotel based in the Srinakarin area.
As the number of tourists at the hotel plunged, he decided to sign up as a GrabFood delivery-partner to earn an alternative income. Soon after, the hotel ceased operations.
Komsan has viewed this change through an optimistic lens, calling it the perfect opportunity for him to embark on a fresh journey after his previous job. Aside from GrabFood deliveries, he now also picks up GrabExpress jobs. It can get tiring, having to shuttle between different locations, but Komsan finds it exciting. And mostly, he’s glad to get his income back on track.