Long-term investing

FBS Funds guide

This page is a verification checklist for long-term investors asking whether FBS provides access to funds, such as mutual funds or other pooled investment products. It does not confirm that FBS offers any fund products. Use the checks below to gather answers from current FBS documentation and support channels, and rely on the broker's own written terms rather than third-party summaries when making your decision.

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Establish whether fund products exist and in what form

Brokers use the word funds loosely. It can mean traditional mutual funds, exchange-traded funds, in-house managed portfolios, copy-trading arrangements or derivative products linked to a fund's price. Each has different ownership structures, costs and legal protections. Your first task is to establish precisely what, if anything, FBS makes available to clients in your country and under your account type. Do not proceed on the basis of marketing language alone; request the product specification and legal terms for any product you are considering, and confirm whether you would hold units, shares or a contract.

Ask FBS in writing what fund or fund-linked products are available for your region and account type.
Determine whether the product involves ownership of fund units or a derivative contract on a price.
Read the product's legal documentation, not just the marketing page, before committing money.

Work through the full cost picture

Fund-related products can carry layered costs: the fund's own ongoing charges, plus broker-level commissions, spreads, platform fees, financing charges on derivative structures, and payment or currency conversion fees. Over a long horizon, these layers compound and can materially reduce returns. Build a simple cost model for your intended contribution schedule and holding period using the current FBS fee schedule, and cross-check your assumptions with support if any charge is unclear. The Brokerage fee calculator at /tools/brokerage-fee-calculator can help you estimate the combined effect of account and trading costs.

List every fee layer: product-level charges, broker commissions, spreads and account fees.
Check for overnight financing costs if the product is a derivative rather than a direct holding.
Confirm deposit, withdrawal and currency conversion charges for your funding method.
Estimate multi-year totals with /tools/brokerage-fee-calculator before committing.

Verify the entity, regulation and exit terms

Long-term investing means your money may sit with a broker for years, so the legal setup matters as much as the product. Identify the specific FBS entity that would hold your account, its regulator and the protections that apply to clients of that entity. Read how client money is held, what happens in a dispute, and what the process and costs are for withdrawing or closing the account. If the available products or terms do not fit a long-term fund strategy, compare alternatives through the Find my broker tool at /find-my-broker, and see related guides in the Long-term investing hub at /invest-long-term.

Confirm which FBS legal entity serves your country and which regulator oversees it.
Read the client agreement sections on client money handling and complaint procedures.
Check withdrawal processing terms, timelines and fees before depositing.
Keep dated records of all documents and support answers you relied on.

Continue researching

Open related InvestorTrip pages before treating this topic as a final decision.

Long-term investing hub

Open related long-term investing guides.

Find my broker

Apply the checklist to broker selection.

Brokerage fee calculator

Estimate account and trading costs.

FAQ

Can I buy mutual funds through FBS?

This guide does not confirm whether FBS offers mutual funds or any pooled fund products. Availability differs by entity, country and account type and can change. Verify directly with FBS through its current product list, legal documents and written support responses.

What is the difference between owning fund units and a fund-linked derivative?

Owning units means you hold a share of the fund's assets, typically with the fund's own governance and disclosures. A derivative tracks the fund's price without ownership, often adds financing costs over time and involves leverage risk, which changes how the position behaves over long periods.

How do I estimate the long-term cost of a fund investment?

Add the product's ongoing charges to broker-level costs such as commissions, spreads, account fees and any financing charges, then project them over your intended holding period and contribution schedule. The calculator at /tools/brokerage-fee-calculator can help with the broker-level portion.