An accredited investor in Singapore is an individual who meets the MAS criteria under the Securities and Futures Act — net personal assets exceeding SGD 2 million, annual income of at least SGD 300,000, or net financial assets above SGD 1 million. Qualifying unlocks access to investment products not available to retail investors. Not financial advice.
Table of Contents
- MAS Accredited Investor Definition
- The Three Qualifying Thresholds
- How to Opt In
- What Products Accredited Investors Can Access
- Risks of Accredited Investor Status
- Accredited vs Institutional Investors
- FAQ
MAS Accredited Investor Definition
The MAS defines an accredited investor under Section 4A of the Securities and Futures Act (SFA Cap. 289). The definition was updated in 2018 to add an opt-in requirement — even if you meet the financial thresholds, you must actively choose to be treated as an accredited investor, as you waive certain retail investor protections when you do. At Q1 2026, the thresholds remain unchanged.
The Three Qualifying Thresholds
Net Personal Assets ≥ SGD 2 million: Your total assets minus total liabilities exceed SGD 2 million. The value of your primary residential property can only be counted up to SGD 1 million. Annual Income ≥ SGD 300,000: Gross annual income from employment, business, or investment income. Net Financial Assets ≥ SGD 1 million: Financial assets (deposits, securities, CPF balances) net of liabilities used to finance them exceed SGD 1 million.
How to Opt In as an Accredited Investor
Meeting the thresholds alone is not sufficient. You must explicitly opt in with each financial institution by signing a declaration form and providing supporting documentation (income tax notice, bank statements, CPF statement). You can opt out at any time to revert to retail investor status.
What Products Accredited Investors Can Access
Accredited investors can access: structured products (dual currency investments, equity-linked notes), private equity funds, hedge funds, unlisted debentures and convertible notes, and complex derivatives. Singapore platforms like Syfe and Endowus offer accredited-only fund classes. See our hedge fund guide and private equity overview.
Risks of Accredited Investor Status
Opting in means you receive reduced MAS-mandated disclosures. Financial institutions are not required to provide product highlights sheets (PHS) for many investment products. You are assumed to have the sophistication to conduct your own due diligence — which is not always a safe assumption for investors who qualify only on asset thresholds.
Accredited vs Institutional Investors
Institutional investors (banks, insurers, entities with net assets ≥ SGD 10 million) receive even fewer mandatory disclosures than accredited investors. Individual accredited investors sit between retail and institutional in terms of regulatory protection. See our institutional investor guide.