At Dr Wealth, we study what separates average investors from those who build and keep serious money. One name that continues to surface among our mass-affluent readers is DBS Treasures. Below, we unpack four pillars that make the programme stand out, and why they matter for investors serious about growing and protecting wealth across borders.

1. Access to Comprehensive Wealth Management Solutions

Affluent investors today need more than what’s available on the retail shelf to truly diversify their wealth and better manage the risks. That’s where DBS Treasures stands out. Accredited Investors (AI) can access a comprehensive suite of sophisticated products beyond the usual retail offerings, tailored to meet their evolving needs.

Structured products

Structured products, for example, provide enhanced yield potential even in sideways markets. They’re linked to underlying assets such as indices, stocks, FX or commodities, and often incorporate options to fine-tune your risk-reward exposure.

Investment-Grade Corporate Bonds

For income and capital preservation, individual bonds remain a staple. Investors benefit from fixed coupon payments and principal repayment at maturity—providing stability in volatile markets and predictable cash flow for retirement planning.

Hedge Funds and Private Market Solutions

Beyond traditional investments such as stocks and bonds, private equity, private credit and hedge funds are alternative investments that can provide enhanced return potential, access to unique opportunities and portfolio resiliency via true diversification and uncorrelated growth. However, these strategies involve increased complexity and risk, and direct access to these asset classes are limited to AI clients.

Universal Life Insurance

Legacy planning is also built into the offering. Such Universal Life Insurance products can provide flexibility, guaranteed loyalty bonuses, and cost certainty—making it a practical tool to grow and transfer wealth across generations.

This first pillar is clear: with DBS Treasures, investors get international market access to a comprehensive suite of solutions, enabling diversification across asset classes, sectors and geographies, which helps to build a more balanced and robust portfolio.

2. Access to Global Markets and Insights

If you’re building serious wealth, geographic diversification isn’t optional—it’s essential.

DBS Treasures has strong regional footprint with physical offices in Singapore, Hong Kong, China, Taiwan, India, and Indonesia. As a DBS Treasures Singapore client, you can seamlessly open accounts in any of these markets and continue to enjoy the same privileges and benefits across the region.

DBS Treasures goes beyond market access. Clients receive timely insights and sharp strategies, so they are never left to navigate the markets alone.

The DBS Chief Investment Office (CIO) comprises over 100 strategists, economists, and analysts across Asia, delivering a steady stream of actionable insights. These are the same institutional-grade perspectives that professional investors rely on – made available to DBS Treasures clients.

What you’ll get:

• Quarterly model portfolios aligned with your risk appetite (from conservative to aggressive), built on DBS’s house view.
• Tactical investment themes covering market rotations, macro shifts, and sector outlooks.
• Asset-class strategies across equities, fixed income, FX, and alternatives like private credit and crypto.
• Research coverage spanning U.S., Europe, China, ASEAN, and global multi-asset strategies.

Beyond these digital touchpoints and resources, DBS Treasures clients can experience invite-only, specially curated wealth events such as Market Outlooks, webinars, and of course the flagship Wealth Symposium. Gain expert strategies, market insights, and opportunities directly from the CIO team and leading wealth specialists to help you navigate markets and invest with confidence that go beyond surface-level commentary.

Put simply, you’re not left to interpret markets alone. DBS Treasures offers the same quality of insights that institutional investors rely on—delivered in a way that supports decisive action.

3. Supported by an Experienced Team of Wealth Experts

Behind every successful investor is a circle of trusted experts. Here’s how DBS Treasures takes a more tailored approach.

Each client is supported by a dedicated Relationship Manager (RM), backed by a team of specialists including:

• Investment Counsellors who work with the CIO’s house views to customise strategies.
• Bancassurance Specialists for insurance-led legacy or retirement planning.
• Structured Product and Credit Specialists for tailored opportunities or liquidity planning.

DBS RMs are strategic partners in your wealth journey. They provide personalized advice, work closely with you to recommend suitable solutions and co-develop strategies that align with your financial goals. Always on the lookout for opportunities, they proactively introduce additional products or services that may enhance your wealth plan. By staying abreast of market movements and industry trends, the RMs ensure that the advice you receive remains timely and relevant.

And when it’s time to meet, DBS Treasures has dedicated centres at Marina Bay Financial Centre, Ngee Ann City, Siglap, and even an Exclusive Safekeeping Centre—designed to facilitate confidential, in-depth portfolio discussions.

This isn’t transactional banking. It’s a relationship built to grow with your wealth.

4. Access to Your Entire Wealth in One Digital App

At the core of the Treasures experience is a fully-integrated Wealth Management Account, designed to make complex portfolios easier to manage across geographies and asset classes.

Key features include:

• Multi-currency capability: Hold and transact in up to 9 currencies to capture global opportunities without incurring Foreign Exchange (FX) friction.
• Integrated equity trading: Invest across 7 major markets (SG, HK, US, UK, JP, CA, AU) at competitive rates – straight from your account.
• Fund access: Browse over 200 unit trusts in 12 currencies, including DBS Focus Funds curated by the CIO.
• Data-rich dashboards: View income, expenses, maturities, coupon schedules, and portfolio breakdowns by asset, currency, and sector.

If you need deeper equity insights, the CLOVERS model within DBS Online Equity Trading provides analyst-driven views visualised in an easy-to-compare format— helping you decide with more clarity, not just instinct.

Everything is designed to work in sync—so you save time on managing, and more time compounding.

Final Thoughts

Managing significant wealth isn’t just about what you invest in—it’s about how everything connects. Markets, currencies, opportunities, timing, and people.

DBS Treasures is built for affluent investors who want structure, flexibility, and clarity as they manage wealth across borders and generations. With deep research, exclusive access, experienced advisors, and a cutting-edge platform, you’re not just investing—you’re investing with a system.

Learn more → DBS Treasures: Access More Wealth Expertise

Get exclusive cash rewards when you make your move to DBS Treasures.

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Disclosure: This article is part of a paid collaboration with DBS. All opinions are Dr Wealth’s own.

Disclaimers and Important Notice

The information and opinions contained in this article has been obtained from sources believed to be reliable, but DBS makes no representation or warranty as to its adequacy, completeness, accuracy or timeliness for any particular purpose.

This article is meant for information only and should not be relied upon as financial advice. Before making any decision to buy, sell or hold any investment or insurance product, you should seek advice from a financial adviser regarding its suitability.

It is provided in Singapore by DBS Bank Ltd (Company Registration. No.: 196800306E), an Exempt Financial Adviser as defined in the Financial Advisers Act and regulated by the Monetary Authority of Singapore.