Saving is, and always will be, the foundation of any fortune. It is secure, risk-free and readily accessible. But saving alone is not enough to make your money grow. You should also invest. This means taking some risks, but the rewards are higher. When you save and invest, your money has the power to grow faster.

With this in mind, LOB developed the Salary Investment Plan (SIP), an investment scheme that enables you to attain your financial goals and financial wellness through the twin habits of regularly saving and investing. It incorporates what investment experts consider to be the best, tried and tested principles that make a successful saving and investment plan and provides a solution to counter the major obstacles to saving and investing.

Client Suitability

The SIP is for individuals who wish to have a medium to long-term saving and investment plan so that they can achieve their financial goals and financial wellness at some future time. The investor profiles of these individuals should show that it is suitable for them to invest in the financial market for their SIP funds.

Benefits of Investing via the SIP

Meet your Financial Goals

Allows you to effectively save and invest to meet your financial goals, i.e. children’s education, family vacation, retirement etc.

Secured Trading and Investment

Guaranteed lamp sum maturity benefit


Depositor will be given contract to confirm deposits.

Fastest Growth Strategy

Compounding strategy plus increasing monthly interest will provide a minimum of 200% return after maturity.


Invest for as low as $EUR 2,000 per month.

Professional Fund Management

Gain access to the services of LOB professional fund managers who keep constant watch over the financial market.

Financial Planners’ Best Advice

The SIP enables you to benefit from a time-tested personal wealth-building strategy recommended by financial planners. This is known as Cost Averaging, wherein fixed amounts of investment in regular intervals over a period of time allow you to average your costs and effectively diversify your risks over time. This also enables you to invest without having to constantly monitor the market.

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