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A more intentional way to manage wealth
Each financial goal deserves its own approach. The 3-bucket framework gives every part of your money a clear role — so it's always working toward something that matters.
Why the 3-bucket framework?
Because the money you need now shouldn’t take the same risks as the money you’re growing for the future.
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Different goals need different approaches
Most platforms ask you to choose a single risk profile. But real life is more complex. You may need liquid cash soon, income along the way, and long-term capital growth for the future — all at the same time.
Not all money should be managed the same way
Instead of asking you to pick from a list of portfolios, Arki organises your money into three clear roles. Each bucket is designed around a different need, timeline, and level of risk.
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That’s where the framework helps
The investment buckets are not separate products to choose from. They work together as one wealth plan — helping you balance liquidity, income, and growth as your life changes.
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STEP 01Tell us what matters to you
Share your goals, timeline, and what you're working toward.
STEP 02Choose how much to invest
Decide how much you'd like to put to work across your buckets.
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STEP 03Get a suggested split
We suggest an allocation across the 3 investment buckets based on your goals.
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STEP 04Your money gets to work
Your money is organised with purpose, and you'll always know why it's allocated the way it is.
Here’s how we put your money to work
Your investment buckets aren’t static. They’re monitored and adjusted over time based on what each one is designed to do.
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Ongoing market monitoring
Each investment bucket is monitored with its specific role in mind, so your money is always doing the right job at the right time.
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Optimised for each goal
Depending on the investment bucket, adjustments are made as frequently as monthly — to capture better opportunities.
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Reallocate as priorities change
Life changes. Your wealth plan should too. As your goals shift, move money between each investment bucket with our regular check-ins.
Built with trusted partners
We work with established financial institutions and partners across custody, infrastructure, and investment management to help keep your money secure and your experience reliable.
Frequently asked questions
Clear answers to the questions we hear most.
Is there a minimum investment amount?
The current minimum amount required to open an Arki account is S$3,000.
How do I withdraw funds from my account and how long does it take?
Withdrawals can be submitted directly through the app. Unless otherwise stated, your funds will be transferred to your bank account via bank transfer.
Withdrawals typically take 4-7 business days, depending on underlying investment settlement cycles and standard bank processing times.
Withdrawals typically take 4-7 business days, depending on underlying investment settlement cycles and standard bank processing times.
How do I move money between buckets?
You may adjust your allocation between the buckets via the reallocation function in the Arki app dashboard.
Is my money safe with Arki?
Yes. As a MAS-regulated financial institution, Arki Finance is required to safeguard client monies and assets in accordance with regulatory requirements.
Your money is held separately from Arki’s corporate and operational accounts through regulated custodial arrangements. We do not treat client funds as company assets at any time.
Clients’ assets are held with a licensed custodian and remain ring-fenced from Arki’s own funds.
Your money is held separately from Arki’s corporate and operational accounts through regulated custodial arrangements. We do not treat client funds as company assets at any time.
Clients’ assets are held with a licensed custodian and remain ring-fenced from Arki’s own funds.
Still need help?
Contact usOpen an Arki account in minutes.
Download now to get started.
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