Income Plus：

Income Plus is a series of short-term bond fund based on scientific and rigorous selection process by Moomoo, primarily investing in high-quality and highly secure bonds. Investors can benefit from receiving dividend (if the fund is a distributing type), or from selling the fund at a profit when the NAV increases.

Selection Process
1. Curated Selectively
100+funds from 30+ top fund houses worldwide based on the 6Fmethodology of fund selection
2. Select fund which has:
a. returns exceeding MMF/Cash Plus (Higher annualised returns for thelast 1 year, 2 years)
b. low volatility (Filtering out high-risk investments from categories and strategies perspective)
c. balanced returns and risks (Potential returns higher than poteential risks

Selection Criteria
1.Yield Requirements of selected funds:
For the past 2 years, SGD products: Annualised yield must be higher than 3.11% (higher than SGD Cash Plus)；USD products: Annualised yield must be higher than 4.80% (higher than USD Cash Plus)
2.Strategy limitation:
Bond funds that primarily invests in investment-grade debt securities, with: (a) A relatively short portfolio duration (b) No focus on single-strategy high-yield bonds or emerging market debt funds
3.Risk control of selected funds: For the past 2 years,
a. Volatility for both the past 1 year and 2 years should be lower than 1% 
b. Maximum monthly drawdown over the past 2 years should not be higher than 0.3% (SGD) / 0.3% (USD)
c. Annualised returns for both the past 1 year and 2 years should be higher than the volatility for the corresponding periods

*Source: Morningstar, data as of 31 Oct, 2025
1.Duration: An indicator that measures the sensitivity of bond prices to interest rate changes. Simply put, the longer the duration, the greater the bond price's reaction to interest rate changes, and the higher the interest rate risk.
2.Maximum drawdown: An important indicator for measuring investment risk. It represents the largest percentage drop from a peak to a trough of an investment product over a specific period of time

Income Plus primarily invest in high-quality and highly secure bonds. Historically, these types of funds tend to have lower volatility compared to the stock market.However, like all investment products, Income Plus also carry investment risks, including to the risk of potential principal loss. It's worth noting that, according to historical data, as of 31 Oct 2025, the maximum drawdown of the Income Plus featured on this page has not exceeded 0.3% over the past 2 years.

1. Higher average growth than Cash Plus over the last year.
2. Underlying in high quality bonds, stable return & low volatility
3. Return-risk balance (Potential returns > potential risks)
4. 0 subscription/redemption/platform fees
5. Managed by top fund houses
6. The investment threshold is lower compared to directly investing bond, with a minimum starting investment of just 100 SGD.
7. In a rate-cutting cycle, fixed income investment such as high-quality bonds with high coupon rates may become more attractive to yield-seeking investors. These bonds can provide investors with higher potential interest income and potential price appreciation. 

Income Plus may be suitable for:
1. Low-Risk Investors: Investors seeking lower risk and stable returns.
2. Beginner investors: Looking to start learning with relatively safe investments.
3. Long-Term Investors: Investors with extended holding periods, seeking higher returns.
4. Diversification Investors: Investors aiming to spread assets and balance risk and returns.

Funds have no subscription fees, redemption fees, or platform fees. The fund company's management fees are included in the Net Asset Value (NAV).
Moomoo's self-built trading system achieves pure online trading, significantly reducing labor costs and transaction fees of traditional trading models, eliminating sales fees and transaction fees, aligning interests with clients, and truly standing with investors.

1. Open the Moomoo app -> Register or log in a Moomoo SG universal account -> Wealth tab -> Click on the Income Plus module/filter "Income Plus" in the fund ranking -> Enter the Income Plus fund details page -> Open a Moomoo SG Universal Account (if not already opened) -> Select the account and purchase amount -> Confirm and submit the subscription-> Track the investment performance
2. Open the Moomoo app -> Register or log in a Moomoo SG universal account-> Search for "Income Plus" -> Enter the Income Plus page -> Select an Income Plus fund of interest and enter its details page -> Open a Moomoo SG Universal Account (if not already opened) -> Select the account and purchase amount -> Confirm and submit the subscription-> Track the investment performance

Bond funds invest in a large number of bond securities issued by governments and/or companies. By doing so, the fund is essentially lending money to the issuers and in return, it receives regular interest payments. These enable the fund to pay dividends to the fund’s investors on a regular basis. Bond funds can also sell the bonds in its portfolio at or before maturity to recover its original capital or at a profit. Short-term fund holds bonds with shorter maturity periods (such as 1-3 years). Generally, bonds with shorter maturities have higher liquidity and lower risk in an environment of interest rate fluctuations, making them suitable for short-term capital allocation.

The dividend distribution of bond funds depends on the share class settings. Typically, shares marked with “MDis” are for monthly dividend distribution, those with “QDis” are for quarterly dividend distribution, and those without special markings are for accumulation shares that do not distribute dividends. Dividend distribution involves regularly allocating the interest income from bonds to investors, which may suits those who prefer periodic cash flow. For non-dividend-distributing funds, investors can still realize returns by redeeming portions of their fund shares.

Bond funds:
1. Relatively stable returns, risk reduction through diversification, and continuous cash flow from underlying assets.
2. Potential losses when interest rates rise, credit default risk from bond issuers, and generally lower long-term returns compared to stock funds.

Stock funds:
High risk, potential for high returns, suitable for long-term investors who can tolerate volatility, with the goal of long-term capital appreciation.