www.sgdividends.blogspot.

com
This only analyses upfront charges when one buys , such as
sales charge,handling fees and brokerage commission. It
DOES NOT include GST, annual management fees,SGX
access fees e.t.c
Assuming you can buy ETFs at such
round figures.

Monthly
Investment
$100
$200
$300
$400
$500
$600
$700
$800
$900
$1,000
$1,100
$1,200
$1,300
$1,400
$1,500
$1,600
$1,700
$1,800
$1,900
$2,000
$2,100
$2,200
$2,300
$2,400
$2,500
$2,600
$2,700
$2,800
$2,900
$3,000
$3,100
$3,200
$3,300
$3,400

ETFs
ETFs
(DBSV
POEMS
(through general
Cash Upfront via
Share Builders Plan
Unit Trust
brokerages)
DBS I-banking)
Handling % of invt
Sales
% of invt
% of invt
% of invt
fee
amount
charge
amount
Brokerage amount
Brokerage amount
$6.42
6.42%
$1.50
1.50%
$25
25.00%
$18
18.00%
$6.42
3.21%
$3.00
1.50%
$25
12.50%
$18
9.00%
$6.42
2.14%
$4.50
1.50%
$25
8.33%
$18
6.00%
$6.42
1.61%
$6.00
1.50%
$25
6.25%
$18
4.50%
$6.42
1.28%
$7.50
1.50%
$25
5.00%
$18
3.60%
$6.42
1.07%
$9.00
1.50%
$25
4.17%
$18
3.00%
$6.42
0.92%
$10.50
1.50%
$25
3.57%
$18
2.57%
$6.42
0.80%
$12.00
1.50%
$25
3.13%
$18
2.25%
$6.42
0.71%
$13.50
1.50%
$25
2.78%
$18
2.00%
$6.42
0.64%
$15.00
1.50%
$25
2.50%
$18
1.80%
$10.70
0.97%
$16.50
1.50%
$25
2.27%
$18
1.64%
$10.70
0.89%
$18.00
1.50%
$25
2.08%
$18
1.50%
$10.70
0.82%
$19.50
1.50%
$25
1.92%
$18
1.38%
$10.70
0.76%
$21.00
1.50%
$25
1.79%
$18
1.29%
$10.70
0.71%
$22.50
1.50%
$25
1.67%
$18
1.20%
$10.70
0.67%
$24.00
1.50%
$25
1.56%
$18
1.13%
$10.70
0.63%
$25.50
1.50%
$25
1.47%
$18
1.06%
$10.70
0.59%
$27.00
1.50%
$25
1.39%
$18
1.00%
$10.70
0.56%
$28.50
1.50%
$25
1.32%
$18
0.95%
$10.70
0.54%
$30.00
1.50%
$25
1.25%
$18
0.90%
$10.70
0.51%
$31.50
1.50%
$25
1.19%
$18
0.86%
$10.70
0.49%
$33.00
1.50%
$25
1.14%
$18
0.82%
$10.70
0.47%
$34.50
1.50%
$25
1.09%
$18
0.78%
$10.70
0.45%
$36.00
1.50%
$25
1.04%
$18
0.75%
$10.70
0.43%
$37.50
1.50%
$25
1.00%
$18
0.72%
$10.70
0.41%
$39.00
1.50%
$25
0.96%
$18
0.69%
$10.70
0.40%
$40.50
1.50%
$25
0.93%
$18
0.67%
$10.70
0.38%
$42.00
1.50%
$25
0.89%
$18
0.64%
$10.70
0.37%
$43.50
1.50%
$25
0.86%
$18
0.62%
$10.70
0.36%
$45.00
1.50%
$25
0.83%
$18
0.60%
$10.70
0.35%
$46.50
1.50%
$25
0.81%
$18
0.58%
$10.70
0.33%
$48.00
1.50%
$25
0.78%
$18
0.56%
$10.70
0.32%
$49.50
1.50%
$25
0.76%
$18
0.55%
$10.70
0.31%
$51.00
1.50%
$25
0.74%
$18
0.53%

$3,500
$3,600
$3,700
$3,800
$3,900
$4,000
$4,100
$4,200
$4,300
$4,400
$4,500
$4,600
$4,700
$4,800
$4,900
$5,000
$5,100
$5,200
$5,300
$5,400
$5,500
$5,600
$5,700
$5,800
$5,900
$6,000
$6,100
$6,200
$6,300
$6,400
$6,500
$6,600
$6,700
$6,800
$6,900
$7,000
$7,100
$7,200
$7,300
$7,400
$7,500
$7,600
$7,700
$7,800
$7,900
$8,000
$8,100
$8,200
$8,300
$8,400
$8,500
$8,600

$10.70
$10.70
$10.70
$10.70
$10.70
$10.70
$10.70
$10.70
$10.70
$10.70
$10.70
$10.70
$10.70
$10.70
$10.70
$10.70
$10.70
$10.70
$10.70
$10.70
$11.00
$11.20
$11.40
$11.60
$11.80
$12.00
$12.20
$12.40
$12.60
$12.80
$13.00
$13.20
$13.40
$13.60
$13.80
$14.00
$14.20
$14.40
$14.60
$14.80
$15.00
$15.20
$15.40
$15.60
$15.80
$16.00
$16.20
$16.40
$16.60
$16.80
$17.00
$17.20

0.31%
0.30%
0.29%
0.28%
0.27%
0.27%
0.26%
0.25%
0.25%
0.24%
0.24%
0.23%
0.23%
0.22%
0.22%
0.21%
0.21%
0.21%
0.20%
0.20%
0.20%
0.20%
0.20%
0.20%
0.20%
0.20%
0.20%
0.20%
0.20%
0.20%
0.20%
0.20%
0.20%
0.20%
0.20%
0.20%
0.20%
0.20%
0.20%
0.20%
0.20%
0.20%
0.20%
0.20%
0.20%
0.20%
0.20%
0.20%
0.20%
0.20%
0.20%
0.20%

$52.50
$54.00
$55.50
$57.00
$58.50
$60.00
$61.50
$63.00
$64.50
$66.00
$67.50
$69.00
$70.50
$72.00
$73.50
$75.00
$76.50
$78.00
$79.50
$81.00
$82.50
$84.00
$85.50
$87.00
$88.50
$90.00
$91.50
$93.00
$94.50
$96.00
$97.50
$99.00
$100.50
$102.00
$103.50
$105.00
$106.50
$108.00
$109.50
$111.00
$112.50
$114.00
$115.50
$117.00
$118.50
$120.00
$121.50
$123.00
$124.50
$126.00
$127.50
$129.00

1.50%
1.50%
1.50%
1.50%
1.50%
1.50%
1.50%
1.50%
1.50%
1.50%
1.50%
1.50%
1.50%
1.50%
1.50%
1.50%
1.50%
1.50%
1.50%
1.50%
1.50%
1.50%
1.50%
1.50%
1.50%
1.50%
1.50%
1.50%
1.50%
1.50%
1.50%
1.50%
1.50%
1.50%
1.50%
1.50%
1.50%
1.50%
1.50%
1.50%
1.50%
1.50%
1.50%
1.50%
1.50%
1.50%
1.50%
1.50%
1.50%
1.50%
1.50%
1.50%

$25
$25
$25
$25
$25
$25
$25
$25
$25
$25
$25
$25
$25
$25
$25
$25
$25
$25
$25
$25
$25
$25
$25
$25
$25
$25
$25
$25
$25
$25
$25
$25
$25
$25
$25
$25
$25
$25
$25
$25
$25
$25
$25
$25
$25
$25
$25
$25
$25
$25
$25
$25

0.71%
0.69%
0.68%
0.66%
0.64%
0.63%
0.61%
0.60%
0.58%
0.57%
0.56%
0.54%
0.53%
0.52%
0.51%
0.50%
0.49%
0.48%
0.47%
0.46%
0.45%
0.45%
0.44%
0.43%
0.42%
0.42%
0.41%
0.40%
0.40%
0.39%
0.38%
0.38%
0.37%
0.37%
0.36%
0.36%
0.35%
0.35%
0.34%
0.34%
0.33%
0.33%
0.32%
0.32%
0.32%
0.31%
0.31%
0.30%
0.30%
0.30%
0.29%
0.29%

$18
$18
$18
$18
$18
$18
$18
$18
$18
$18
$18
$18
$18
$18
$18
$18
$18
$18
$18
$18
$18
$18
$18
$18
$18
$18
$18
$18
$18
$18
$18
$18
$18
$18
$18
$18
$18
$18
$18
$18
$18
$18
$18
$18
$18
$18
$18
$18
$18
$18
$18
$18

0.51%
0.50%
0.49%
0.47%
0.46%
0.45%
0.44%
0.43%
0.42%
0.41%
0.40%
0.39%
0.38%
0.38%
0.37%
0.36%
0.35%
0.35%
0.34%
0.33%
0.33%
0.32%
0.32%
0.31%
0.31%
0.30%
0.30%
0.29%
0.29%
0.28%
0.28%
0.27%
0.27%
0.26%
0.26%
0.26%
0.25%
0.25%
0.25%
0.24%
0.24%
0.24%
0.23%
0.23%
0.23%
0.23%
0.22%
0.22%
0.22%
0.21%
0.21%
0.21%

$8,700
$8,800
$8,900
$9,000
$9,100
$9,200
$9,300
$9,400
$9,500
$9,600
$9,700
$9,800
$9,900
$10,000
$10,100

$17.40
$17.60
$17.80
$18.00
$18.20
$18.40
$18.60
$18.80
$19.00
$19.20
$19.40
$19.60
$19.80
$20.00
$20.20

0.20%
0.20%
0.20%
0.20%
0.20%
0.20%
0.20%
0.20%
0.20%
0.20%
0.20%
0.20%
0.20%
0.20%
0.20%

$130.50
$132.00
$133.50
$135.00
$136.50
$138.00
$139.50
$141.00
$142.50
$144.00
$145.50
$147.00
$148.50
$150.00
$151.50

1.50%
1.50%
1.50%
1.50%
1.50%
1.50%
1.50%
1.50%
1.50%
1.50%
1.50%
1.50%
1.50%
1.50%
1.50%

$25
$25
$25
$25
$25
$26
$26
$26
$27
$27
$27
$27
$28
$28
$28

0.29%
0.28%
0.28%
0.28%
0.28%
0.28%
0.28%
0.28%
0.28%
0.28%
0.28%
0.28%
0.28%
0.28%
0.28%

$18
$18
$18
$18
$18
$18
$18
$18
$18
$18
$18
$18
$18
$18
$18

0.21%
0.20%
0.20%
0.20%
0.20%
0.20%
0.19%
0.19%
0.19%
0.19%
0.19%
0.18%
0.18%
0.18%
0.18%

com

Cheaper

Unit Trust
is
cheaper

POEMS Share Builders is Cheaper

DBSV
Cash
Upfront is
cheaper

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