An Accredited Investor (AI) is defined under MAS regulations as:

• An individual with a personal income of at least SGD 300,000 (or equivalent in foreign currency) in the past 12 months; or
• An individual with net personal assets exceeding SGD 2 million (or equivalent in foreign currency); or
• An individual with net financial assets (net of any related liabilities) exceeding SGD 1 million (or equivalent in foreign currency); or
• A corporation with net assets exceeding SGD 10 million (or equivalent in foreign currency), based on its most recent audited balance sheet or a certified balance sheet within the past 12 months.

FSM+ is a complimentary value-added service available exclusively to clients who have declared themselves as Accredited Investors. FSM+ investors enjoy enhanced, more personalised services and access to a wider range of product offerings.

For more details on FSM+ benefits, please refer to Reap More Benefits as a FSM+ Investor!

FSM+ is a free value-added service offered to clients who have declare themselves as Accredited Investors.

In addition to gaining access to a wider range of investment products, FSM+ investors will also receive dedicated service from our Investment Advisory team and priority invitation to exclusive events, among other benefits.

For a full list of benefits exclusive to FSM+ investors and to enrol in the FSM+ programme, please refer to Reap More Benefits as a FSM+ Investor!

FSM+, previously known as the FSM Global Platinum Club, was created to differentiate between retail investors, and what the Monetary Authority of Singapore (MAS) deems Accredited Investors. In a consultation paper released 21 July 2014, MAS detailed its directive – Option for accredited investors to benefit from full range of capital markets regulatory safeguards applicable to retail investors: 

“6 MAS differentiates between retail and non-retail investors in its capital markets regulatory framework, with the full range of regulatory safeguards targeted at retail investors. Non-retail investors – institutional and expert investors – are considered to be better informed and/or better able to access resources to protect their interests, and hence require less regulatory protection. This approach is in line with the practice of other major financial centres.

7 The global financial crisis has led the international regulatory community to examine whether non-retail investors are necessarily better informed or require less regulatory protection than retail investors. In this respect, MAS proposes to provide AIs with a choice to benefit from the full range of capital markets regulatory safeguards that are applicable for retail investors. Under this proposal, AIs will by default be treated as retail investors unless they choose to “opt-in” to AI status. An AI who chooses to “opt-in” to AI status may be one who is willing to forgo the benefits of regulatory safeguards available to retail investors, in return for the ability to access a wider range of complex and risky investment products.”

Since the Platinum Club was launched in 2010, FSM Global has only offered restricted funds to our investors who have proactively declared their Accredited Investor status and hence enrolled in the Platinum Club. Continuing this practice and thus in accordance to the MAS directive, FSM+ will cater specifically to FSM Global Accredited Investors who have indicated their interest in accessing the wider range of investment products. To guide FSM+ investors in navigating these more sophisticated product offerings, dedicated service from our Investment Advisory team, in addition to other exclusive benefits, will be offered to FSM+ investors.

For more benefits of FSM+ and to enrol in the FSM+ programme, please refer to Reap More Benefits as a FSM+ Investor!

You can do so at Account Settings > Activated Products > Restricted Products alongside with the required supporting documents not more than 3 months old.

Depending on the criteria you qualify under, the following documents may be required:

• For income criteria (≥ SGD 300,000 annual income):
  • Past 12 month payslip(s) and/or latest Income Tax Notice of Assessment (NOA) or IR8A form.
• For net personal assets (≥ SGD 2 million):
  • Latest bank statements, property ownership documents/ property tax statement, or equivalent supporting documents.
• For net financial assets (≥ SGD 1 million):
  • Latest bank/brokerage statements or CPF statements showing financial asset holdings.
• For corporations (net assets ≥ SGD 10 million):
  • Most recent audited balance sheet, or a certified balance sheet (within the past 12 months).

FSM Global may request additional documents if further clarification is needed. Once we receive the complete set of documents, the review process will take approximately 2 to 3 business days, and we will notify you of the outcome via email.

You can check your Accredited Investor status, activation date, and validity period by logging in to your FSM Global account and going to Account Settings > Activated Products > Restricted Products.

To better personalise our services to FSM+ investors, only Accredited Investors who are part of FSM+ will be able to enjoy the full suite of specialised service and product offerings. Unfortunately, investors who meet the criteria of joining FSM+, but do not wish to do so, will not be able to enjoy these privileges.

For more information about Restricted Funds please click here.

Yes, you may at anytime withdraw your consent of being an Accredited Investor by writting in to us at clienthelp@fsmglobal.sg
Should you wish to reinstate your Accredited Investor status after the withdrawal, you will need to resubmit your AI declaration.