Thematic investing allows you to invest in long term trends and ideas that are transforming the world and creating a wealth of opportunities. Our algorithm sifts through up to 2,500 stocks across 20 countries and 400 ETFs across multiple asset classes to curate investment portfolios that stand to gain from a particular theme or idea. Through these portfolios, we provide you opportunities to ride on these real-world trends to grow your wealth. Invest in themes based on your goals and factors.
Goal based investing is an investment approach that that emphasizes investing with the objective of attaining specific life goals such as saving for children’s education or building a retirement nest-egg, rather than focusing on generating the highest possible portfolio return or beating the market.
Our goal based investing service allows you to select one of our our thematic portfolios to invest in and add a level of customisation to make it yours.
We ask you to provide us with your personal and financial information so that our algorithms can come up with a personalised investment plan for you to meet your financial goals.
We offer a comprehensive selection of base currencies (e.g. AUD, CAD, CHF, CNH, DKK, EUR, GBP, HKD, JPY, NOK, NZD, SEK, SGD and USD). Unfortunately we only offer these currencies which are easily tradable internationally and are supported by our partner broker. You can make a transfer from your home currency to one of the listed currencies through your own bank.
Yes, you can. To make changes to your default asset allocation, log in to your account then click “Advice” > click “Edit Plan” > click “Adjust Allocation”. You can then change the weights of your portfolio to each asset class.
Yes, you can. You can have more than one goal in your Crea8 account. You just need to open a new brokerage account for each new goal.
Your money will be allocated based on the parameters (amount invested, theme, risk level) that you indicated when you set up the plan.
Yes, you can make changes to your investment goals even after you have been allocated a portfolio. To do this, log in to your account then click “Advice” > click “Edit Plan” > click “Savings, Investment & Legacy Details”. You can then change your initial inputs including your “Starting Capital” and “Target Amount”.
Yes, you can. To do this, log in to your account then click “Advice” > click “Edit Plan” > click “Risk Management”. You can then change your initial inputs to your risk tolerance.
Yes, you can. Crea8 is meant to be responsive to changes in your circumstances. You can change your savings plan in “Edit Plan” > “Number of Income Streams” and “Average Monthly Savings“.
Yes, you can. Just go to Account Management for withdrawal or deposit. To prevent money laundering, you can only withdraw to another account of yours. Depending on your account, you may need to update your goal plan by “Edit Plan” > “Savings, Investment & Legacy Details” > “Average Monthly Savings“.
Yes, you can. Log in to your account, select your plan and then scroll to the bottom of the page to “Delete Plan”. Make sure to “De-Link IB Account” before deleting your plan.
No, Crea8 does not. Securities transactions are executed by our partner broker. Your relationship with our partner broker will be governed by a separate agreement between yourself and the broker.
Yes, you can. Once you have created an investment plan, log in to your account, click “Advice” > click “Edit Plan” > click “Risk Management” > click “Specific Funds”. From there, you can then select ETFs based on asset class, region or expense ratio for your portfolio.
You cannot include that ETF in an account linked to a goal plan as we would automatically liquidate that ETF. If you want to hold that ETF, we suggest that you open a separate brokerage account that is not linked to Crea8.
Investment goals are the financially measureable targets that you want to achieve by saving and investing.
Everybody has investment goals in their life, from the old adage of saving for a rainy day to planning a comfortable retirement or buying a house.
The attainment of financial goals is predicated on the projected returns and risks of the portfolio. As these are estimated from past data, the values might differ in the future.
Whilst Markowitz’s portfolio theory is a Nobel Prize winning approach, it does require certain assumptions to hold, e.g. investors are risk averse, rational and the analysis is based on single period of investment. The approach is also sensitive to the historical period used to estimate expected values.
A personalised plan is created to suit your personal goals, given your investing preference.
By dynamically adjusting suggestions, we ensure that you are on track to meet your goals. Besides, you can opt for straight through processing for a seamless experience; and automated portfolio monitoring and rebalancing to save time.