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.
ETFs
ETFs (DBSV
POEMS (through general Cash Upfront via
Share Builders Plan Unit Trust brokerages) DBS I-banking)
Monthly Handling % of invt Sales % of invt % of invt % of invt
Investment fee amount charge amount Brokerage amount Brokerage amount
$100 $6.42 6.42% $1.50 1.50% $25 25.00% $18 18.00%
$200 $6.42 3.21% $3.00 1.50% $25 12.50% $18 9.00%
$300 $6.42 2.14% $4.50 1.50% $25 8.33% $18 6.00%
$400 $6.42 1.61% $6.00 1.50% $25 6.25% $18 4.50%
$500 $6.42 1.28% $7.50 1.50% $25 5.00% $18 3.60%
$600 $6.42 1.07% $9.00 1.50% $25 4.17% $18 3.00%
$700 $6.42 0.92% $10.50 1.50% $25 3.57% $18 2.57%
$800 $6.42 0.80% $12.00 1.50% $25 3.13% $18 2.25%
$900 $6.42 0.71% $13.50 1.50% $25 2.78% $18 2.00%
$1,000 $6.42 0.64% $15.00 1.50% $25 2.50% $18 1.80%
$1,100 $10.70 0.97% $16.50 1.50% $25 2.27% $18 1.64%
$1,200 $10.70 0.89% $18.00 1.50% $25 2.08% $18 1.50%
$1,300 $10.70 0.82% $19.50 1.50% $25 1.92% $18 1.38%
$1,400 $10.70 0.76% $21.00 1.50% $25 1.79% $18 1.29%
$1,500 $10.70 0.71% $22.50 1.50% $25 1.67% $18 1.20%
$1,600 $10.70 0.67% $24.00 1.50% $25 1.56% $18 1.13%
$1,700 $10.70 0.63% $25.50 1.50% $25 1.47% $18 1.06%
$1,800 $10.70 0.59% $27.00 1.50% $25 1.39% $18 1.00%
$1,900 $10.70 0.56% $28.50 1.50% $25 1.32% $18 0.95%
$2,000 $10.70 0.54% $30.00 1.50% $25 1.25% $18 0.90%
$2,100 $10.70 0.51% $31.50 1.50% $25 1.19% $18 0.86%
$2,200 $10.70 0.49% $33.00 1.50% $25 1.14% $18 0.82%
$2,300 $10.70 0.47% $34.50 1.50% $25 1.09% $18 0.78%
$2,400 $10.70 0.45% $36.00 1.50% $25 1.04% $18 0.75%
$2,500 $10.70 0.43% $37.50 1.50% $25 1.00% $18 0.72%
$2,600 $10.70 0.41% $39.00 1.50% $25 0.96% $18 0.69%
$2,700 $10.70 0.40% $40.50 1.50% $25 0.93% $18 0.67%
$2,800 $10.70 0.38% $42.00 1.50% $25 0.89% $18 0.64%
$2,900 $10.70 0.37% $43.50 1.50% $25 0.86% $18 0.62%
$3,000 $10.70 0.36% $45.00 1.50% $25 0.83% $18 0.60%
$3,100 $10.70 0.35% $46.50 1.50% $25 0.81% $18 0.58%
$3,200 $10.70 0.33% $48.00 1.50% $25 0.78% $18 0.56%
$3,300 $10.70 0.32% $49.50 1.50% $25 0.76% $18 0.55%
$3,400 $10.70 0.31% $51.00 1.50% $25 0.74% $18 0.53%
$3,500 $10.70 0.31% $52.50 1.50% $25 0.71% $18 0.51%
$3,600 $10.70 0.30% $54.00 1.50% $25 0.69% $18 0.50%
$3,700 $10.70 0.29% $55.50 1.50% $25 0.68% $18 0.49%
$3,800 $10.70 0.28% $57.00 1.50% $25 0.66% $18 0.47%
$3,900 $10.70 0.27% $58.50 1.50% $25 0.64% $18 0.46%
$4,000 $10.70 0.27% $60.00 1.50% $25 0.63% $18 0.45%
$4,100 $10.70 0.26% $61.50 1.50% $25 0.61% $18 0.44%
$4,200 $10.70 0.25% $63.00 1.50% $25 0.60% $18 0.43%
$4,300 $10.70 0.25% $64.50 1.50% $25 0.58% $18 0.42%
$4,400 $10.70 0.24% $66.00 1.50% $25 0.57% $18 0.41%
$4,500 $10.70 0.24% $67.50 1.50% $25 0.56% $18 0.40%
$4,600 $10.70 0.23% $69.00 1.50% $25 0.54% $18 0.39%
$4,700 $10.70 0.23% $70.50 1.50% $25 0.53% $18 0.38%
$4,800 $10.70 0.22% $72.00 1.50% $25 0.52% $18 0.38%
$4,900 $10.70 0.22% $73.50 1.50% $25 0.51% $18 0.37%
$5,000 $10.70 0.21% $75.00 1.50% $25 0.50% $18 0.36%
$5,100 $10.70 0.21% $76.50 1.50% $25 0.49% $18 0.35%
$5,200 $10.70 0.21% $78.00 1.50% $25 0.48% $18 0.35%
$5,300 $10.70 0.20% $79.50 1.50% $25 0.47% $18 0.34%
$5,400 $10.70 0.20% $81.00 1.50% $25 0.46% $18 0.33%
$5,500 $11.00 0.20% $82.50 1.50% $25 0.45% $18 0.33%
$5,600 $11.20 0.20% $84.00 1.50% $25 0.45% $18 0.32%
$5,700 $11.40 0.20% $85.50 1.50% $25 0.44% $18 0.32%
$5,800 $11.60 0.20% $87.00 1.50% $25 0.43% $18 0.31%
$5,900 $11.80 0.20% $88.50 1.50% $25 0.42% $18 0.31%
$6,000 $12.00 0.20% $90.00 1.50% $25 0.42% $18 0.30%
$6,100 $12.20 0.20% $91.50 1.50% $25 0.41% $18 0.30%
$6,200 $12.40 0.20% $93.00 1.50% $25 0.40% $18 0.29%
$6,300 $12.60 0.20% $94.50 1.50% $25 0.40% $18 0.29%
$6,400 $12.80 0.20% $96.00 1.50% $25 0.39% $18 0.28%
$6,500 $13.00 0.20% $97.50 1.50% $25 0.38% $18 0.28%
$6,600 $13.20 0.20% $99.00 1.50% $25 0.38% $18 0.27%
$6,700 $13.40 0.20% $100.50 1.50% $25 0.37% $18 0.27%
$6,800 $13.60 0.20% $102.00 1.50% $25 0.37% $18 0.26%
$6,900 $13.80 0.20% $103.50 1.50% $25 0.36% $18 0.26%
$7,000 $14.00 0.20% $105.00 1.50% $25 0.36% $18 0.26%
$7,100 $14.20 0.20% $106.50 1.50% $25 0.35% $18 0.25%
$7,200 $14.40 0.20% $108.00 1.50% $25 0.35% $18 0.25%
$7,300 $14.60 0.20% $109.50 1.50% $25 0.34% $18 0.25%
$7,400 $14.80 0.20% $111.00 1.50% $25 0.34% $18 0.24%
$7,500 $15.00 0.20% $112.50 1.50% $25 0.33% $18 0.24%
$7,600 $15.20 0.20% $114.00 1.50% $25 0.33% $18 0.24%
$7,700 $15.40 0.20% $115.50 1.50% $25 0.32% $18 0.23%
$7,800 $15.60 0.20% $117.00 1.50% $25 0.32% $18 0.23%
$7,900 $15.80 0.20% $118.50 1.50% $25 0.32% $18 0.23%
$8,000 $16.00 0.20% $120.00 1.50% $25 0.31% $18 0.23%
$8,100 $16.20 0.20% $121.50 1.50% $25 0.31% $18 0.22%
$8,200 $16.40 0.20% $123.00 1.50% $25 0.30% $18 0.22%
$8,300 $16.60 0.20% $124.50 1.50% $25 0.30% $18 0.22%
$8,400 $16.80 0.20% $126.00 1.50% $25 0.30% $18 0.21%
$8,500 $17.00 0.20% $127.50 1.50% $25 0.29% $18 0.21%
$8,600 $17.20 0.20% $129.00 1.50% $25 0.29% $18 0.21%
 $8,700 $17.40 0.20% $130.50 1.50% $25 0.29% $18 0.21%
$8,800 $17.60 0.20% $132.00 1.50% $25 0.28% $18 0.20%
$8,900 $17.80 0.20% $133.50 1.50% $25 0.28% $18 0.20%
$9,000 $18.00 0.20% $135.00 1.50% $25 0.28% $18 0.20%
$9,100 $18.20 0.20% $136.50 1.50% $25 0.28% $18 0.20%
$9,200 $18.40 0.20% $138.00 1.50% $26 0.28% $18 0.20%
$9,300 $18.60 0.20% $139.50 1.50% $26 0.28% $18 0.19%
$9,400 $18.80 0.20% $141.00 1.50% $26 0.28% $18 0.19%
$9,500 $19.00 0.20% $142.50 1.50% $27 0.28% $18 0.19%
$9,600 $19.20 0.20% $144.00 1.50% $27 0.28% $18 0.19%
$9,700 $19.40 0.20% $145.50 1.50% $27 0.28% $18 0.19%
$9,800 $19.60 0.20% $147.00 1.50% $27 0.28% $18 0.18%
$9,900 $19.80 0.20% $148.50 1.50% $28 0.28% $18 0.18%
$10,000 $20.00 0.20% $150.00 1.50% $28 0.28% $18 0.18%
$10,100 $20.20 0.20% $151.50 1.50% $28 0.28% $18 0.18%
com

Unit Trust
is
cheaper
Cheaper
POEMS Share Builders is Cheaper
 DBSV
Cash
Upfront is
cheaper