Prototype v4 · Singapore

v1v2v3v4

The view, then the ideas.

v4 keeps v3's minimal capture but leads the surface with the strategy view — a dot-plot of where we are overweight and underweight — then the asset-class implementation tied to it. The house view first, the products second.

Same simplified flow as v3: one eligibility question, one opt-in. The cards on the right explain the MAS basis for each step.

9:41
JPC Private Bank

Our strategy team's house view, and sample ways to express it.

The house view, then sample ideas across asset classes.

A couple of quick questions open it.

A note from the adviser.

Wei Lin has shared two readings ahead of the next conversation.

Insights

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Mid-Year Outlook

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JPC Investment Bank research: company ratings and price targets.

A preview on a selection of names. Full reports open after the questions.

Open the equity surface

A couple of quick questions open the view.

The strategy view, then sample ways to express it across asset classes — illustrative, never advice.

Profile

Sofia Marchetti

Prospect · Singapore booking centre

Knowledge & Experience

Not yet captured

Complete the short capture to open the ideas.

Investor status

Pending

Accredited Investor opt-in (Singapore).

Implementation ideas — now in view.

Where this connects

Every step traces to a rule we verified, and to a gap we found in the field.

See the regulatory basis → See the competition →

The proposal, run through compliance

Every screen, reviewed by a Singapore compliance officer.

Before this prototype was built, each screen — every question and every piece of content — was put through our Singapore (MAS) compliance review. It reads a verified knowledge base of Singapore wealth-management regulation and answers the way a strict compliance officer would: what is the legal basis, what is the risk, and what we must do about it. The table is screen by screen.

The frame that lowers every risk below

This person is a prospect, not a client. Nothing here opens an account or places a trade. To become a client they still complete full onboarding — KYC and customer due diligence, source of wealth, and a suitability assessment — none of which this capture performs or replaces. It gives a flavour of what the bank is watching and, for an Accredited Investor, unlocks illustrative content. Because nothing transacts, the regulatory weight sits on what may be shown, not the full suitability and anti-money-laundering regime, which attaches at onboarding.

Screen What we show or ask Legal — the compliance read Risk Mitigants
Home & the locked portal✅ approve The opening question, a locked Solutions tab, and a note from the adviser. No product specifics before the gate. Pre-unlock content is generic and non-customised, so it stays on the illustrative side of the recommendation-and-offer line; the locked tab gates the product-specific surface.Illustrative-vs-solicitation line · FAA-N16 perimeter LowThe adviser's note tipping into a specific recommendation to this prospect. Keep the note non-directed; gate all product specifics; log the deliberate click as customer-initiated interest — corroborating evidence, not the legal basis.
Eligibility & opt-in (one screen)⚠️ with conditions One question — net personal assets over S$2m, yes or no. Answer yes and the opt-in box appears below on the same screen; tick it, then "Continue." PDPA purpose notice. The S$2m net-assets test is one of the statutory Accredited-Investor limbs; asking only it is more conservative than the full set, and a "no" means "not on this route", not "not an AI". The opt-in must be the customer's own affirmative act — never pre-ticked, defaulted, or adviser-completed — and the effect must be given before AI treatment.SFA s.4A · explicit opt-in (8 Apr 2019) · PDPA High, if nudgedLeading a prospect to opt in — the signature SG conduct risk. Benefit-framing, pre-selection, or adviser completion. Unticked by default; the customer's own tick; the loss of retail protections stated at the box, with the fuller note under "Why this matters"; a "no" ends the route with no pressure; PDPA notice at capture.Compliance to settle: the exact opt-in / disclosure wording; and that narrowing to one limb is acceptable.
Private-markets primer (on "new")⚠️ with conditions One familiarity question; if the prospect is new to private markets, a three-minute explainer holds the private-markets ideas in the Alternatives tab until watched. An AI needs no assessment, so this is conduct. Education to gain knowledge is a recognised route; but only the prescribed module formally counts, and private markets reach a prospect only as an Accredited Investor regardless — so the primer is conduct, not the legal key.SFA s.4A · CKA learning-module route · ss.304–305 MediumTreating an in-house video as a certificate, or as replacing the statutory assessment. An optional explainer, orientation only and never a certificate — it does not assess knowledge or change eligibility; AI status stays the access basis. Holding private-markets ideas behind it for a new prospect is the more cautious posture.
The view & the asset-class ideas⚠️ with conditions A strategy-view dot-plot (overweight / underweight by asset class), then Equities / Fixed Income / Alternatives tabs with a couple of sample ideas each — "not our whole shelf." Single names carry a research preview; private-markets ideas open behind the explainer; includes the firm's own CIO funds. The view is labelled house positioning, not a personal recommendation. For an opted-in AI, fund and restricted-scheme content is permitted, scoped to AI-only and clearly identified. Unauthorised funds must state they are not authorised or recognised by MAS and not for the retail public, and must not be publicly promoted. Own products are house-view output, interest disclosed. No advisory verbs.SFA ss.286 / 287 / 304–305 · FAA-N16 perimeter MediumThe view or an idea reading as a recommendation to act; an unauthorised fund publicly promoted; the own product shown without the conflict disclosure. The view labelled as a balanced house view, no "buy" framing; ideas labelled "sample," no superlatives; AI-gated, never public; the "not authorised by MAS, not for the retail public" line; own-CIO interest disclosed; illustrative, not advice; an audit trail.Compliance to settle: the own-product disclosure-and-controls package.
Profile✅ approve The prospect's capture status and Accredited-Investor status. The prospect can see and correct the data held; the surface must not show identification or financial detail beyond what the unlock requires.PDPA — access/correction · PII discipline LowSurfacing more personal data than needed. Minimal personal data; access and correction; retention scoped.

✅ approve   ⚠️ approve with conditions
Reviewed against the verified MAS knowledge base (last verified 15 June 2026): SFA s.4A; MAS Notices SFA 04-N12 and FAA-N16; SFA ss.286 / 287 / 304–305; PDPA. Items routed to “Compliance to settle” are human sign-off, not decided here. The same review runs for Hong Kong (SFC) and the UK (FCA).