ARKI INCOME

Turn your money into income that keeps on working

Put your money into high-quality global bond funds designed to generate steady income. No bond-picking or rate-watching, just more time to get on with life.

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Income potential that doesn't ask much of you

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Skip the research

No fund reports to dig through. We vet every fund through Arki's institutional framework, so only the ones with a proven track record make the cut.

Never locked away

No lock-in period and no minimum time to stay. Withdraw when life calls for it, or leave it invested and earning.

Not all your eggs in one bond

Your money is spread across a mix of bond funds from around the world, so no single bond or market calls the shots.

Income built for the years in between

Not quite ready to spend it, but not leaving it for decades either? ARKI Income works alongside ARKI Cash and ARKI Growth, putting that money into high-quality global bonds built to generate income.

DISTRIBUTION YIELD

5.12% p.a.

Note: The distribution yield is not guaranteed, is not an interest rate and is not a forecast of future performance. ARKI Income is an investment portfolio, not a bank deposit; its value and the income it generates can rise or fall, and you may get back less than you invest.

See what your money could grow to

Move the slider and see your estimated value with ARKI Income.

I'd like to invest

S$20,000

S$1,000

S$100,000

S$200,000

In 5 years, it could grow to

S$24,568

estimated

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Note: For illustration only. Assumes an illustrative return of 4.2% p.a. over 5 years, compounded annually, with no further deposits or withdrawals. This is not the distribution yield, is not guaranteed and is not a forecast. Actual returns will vary and you may get back less than you invest.

For the milestones a few years away

A home, a wedding, life after work. When the goal is a few years out, ARKI Income keeps your money working towards it.

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Retirement

Already there, or getting close? Add a potential source of income alongside your CPF and savings, so you can enjoy greater financial flexibility.

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A bigger purchase

The keys, the ring, the reno. Big plans come with big price tags, so keep that money working towards them until it's time to spend it.

Extra income

A little more breathing room. Another source of income to lean on, whether it's for the bills, the holidays or simply peace of mind.

More flexible than most, less work than DIY

See how ARKI Income compares with other ways to grow your money for the years ahead.

Income

Endowment plans

T-bills & SSBs

DIY bond funds

Returns from

High-quality global bond funds, chosen for income

Guaranteed returns plus non-guaranteed bonuses

Fixed interest from the Singapore government

Depends on what you pick, and when

Withdrawal

Anytime, with no lock-in or penalty

Early surrender may mean getting back less

SSBs redeemable monthly. T-bills tradable before maturity.

Depends on the fund. Fees may apply

Diversification

Built in, across bonds and markets worldwide

Handled by the insurer

The Singapore government

Up to you, and it takes capital to spread well

Managed by

Dedicated investment experts who watch every fund for you

The insurer

Nothing to manage, but T-bills need reapplying

You, from research to rebalancing

Income

Returns from

High-quality global bond funds, chosen for income

Withdrawal

Anytime, with no lock-in or penalty

Diversification

Built in, across bonds and markets worldwide

Managed by

Dedicated investment experts who watch every fund for you

Endowment plans

Returns from

Guaranteed returns plus non-guaranteed bonuses

Withdrawal

Early surrender may mean getting back less

Diversification

Handled by the insurer

Managed by

The insurer

T-bills & SSBs

Returns from

Fixed interest from the Singapore government

Withdrawal

SSBs redeemable monthly. T-bills tied up until maturity

Diversification

The Singapore government

Managed by

Nothing to manage, but T-bills need reapplying

DIY bond funds

Returns from

Depends on what you pick, and when

Withdrawal

Depends on the fund. Fees may apply

Diversification

Up to you, and it takes capital to spread well

Managed by

You, from research to rebalancing

Note: For general comparison only. Features of endowment plans, government securities and individual investments vary. ARKI Income is an investment portfolio, not a bank deposit or insurance product. Returns and capital are not guaranteed.

Hover to explore

Take a look inside your portfolio

Your money is spread across a diversified mix of high-quality global bond funds, all chosen and looked after for you. Here's how it's split.

Frequently asked questions

Clear answers to the questions we hear most.

What is ARKI Income?

ARKI Income is one of the three buckets on the Arki platform, designed to seek regular income through a diversified blend of high-quality global bond and income strategies. It's ideal for goals a few years away — such as saving for a home, funding further education, or building a reliable income stream.

What does ARKI Income invest in?

ARKI Income combines global bond funds and income strategies, selected through Arki Finance's institutional screening framework. You can view the full model portfolio for ARKI Income in the Arki app.

Is my principal in ARKI Income protected?

Your principal in ARKI Income is not protected. ARKI Income is an investment-based income portfolio, not a fixed deposit or an annuity, and it isn't capital-guaranteed or principal-protected — so losses are possible, especially if you hold it for a shorter period than intended or the market takes a downturn.

Are there fees for investing in ARKI Income?

Yes. ARKI Income charges a management fee of 0.60% p.a. There are no separate sales, platform, withdrawal or account closure fees charged by Arki. Underlying fund expenses and applicable transaction costs may affect investment returns.

Is there a minimum holding period or minimum investment for ARKI Income?

There is no minimum holding period or minimum amount to start investing in ARKI Income — you can allocate any amount and make withdrawals anytime once you're on the platform. That said, getting started on the Arki platform requires an initial deposit of S$3,000.

Can I withdraw my money anytime?

Yes, you can withdraw your money anytime — there are no lock-in periods, penalties, or withdrawal fees, so you're free to withdraw whenever you need to.

Still need help?

Turn your money into income that keeps on working