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At a Glance
Allocated according to your retirement goals
Grow your investment at the start and stabilise as you approach retirement.
Twice the expertise managing your retirement
Managed for you by DBS in collaboration with J.P. Morgan Asset Management.
No lock-in period or penalties if you withdraw
Have the flexibility to withdraw should circumstances require.
The Retirement Portfolio is only available on our DBS/POSB digibank mobile app.
About Retirement Portfolio
The Retirement Portfolio is a hassle-free, ready-made portfolio that helps you invest for your retirement, starting from S$1,000 without any lock-in or withdrawal penalties.
Asset allocation is determined based on how far you are from retirement and shifts automatically as you age.
Putting the best people on the job, the Retirement Portfolio is a collaboration between DBS and J.P. Morgan Asset Management — a leader in retirement planning. Together, you’ll have experts in both Asian and Global markets managing your portfolio!
Features & Benefits
|Minimum amount to start
|What is this
|Customers who want to invest to supplement their retirement goals
|0.75% p.a. management fee
How it works
The Retirement Portfolio takes care of your investments, making it easier for you to enjoy retirement without stress.
In the early stages, your portfolio is geared towards growth assets to help you accumulate your wealth over the years to retirement.
As retirement approaches, we shift to more stable assets like fixed income funds, building a more conservative and stable portfolio to ease into your retirement years.
Even in retirement, our team continues to look after your investments. This way, you can enjoy retirement more and worry less!
For a limited time, enjoy up to S$125 worth of management fee rebates when you set up recurring top ups with Retirement Portfolio! Find out more.
|Who is eligible?
|Must be 18 or older
|You will require one of these DBS/POSB Savings or Current Accounts to invest in the Retirement Portfolio.
Ready to invest? Retirement Portfolio is only available on our DBS/POSB digibank mobile app.
Invest with DBS digibank
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Frequently Asked Questions
Read the full list of FAQs on Retirement Portfolio here.
The Retirement Portfolio is a ready-made portfolio that helps you invest for your retirement, starting from S$1,000 without any lock-in. It offers the perfect match of human expertise and robo-technology, providing an instant, cost-effective way to grow and glide into retirement with ease.
The Retirement Portfolio is a single investment solution which employs a ‘glidepath’ strategy.
The investment team considers current market conditions in managing the portfolio. Additionally for the Retirement Portfolio, your portfolio allocation will shift based on your own timeline to retirement.
When you are further out from retirement, the portfolio allocation is geared towards higher risk assets such as equities to help you accumulate and grow your wealth over years to retirement. The longer time horizon to retirement would also allow for your portfolio to ride out ups and downs of markets.
Over the years and as you move closer to retirement, risk is gradually dialled back by reducing allocation in higher risk assets and increasing allocation to fixed income funds, building a more conservative and stable portfolio to ease into your retirement years.
You can consider the Retirement Portfolio if:
- You want to invest to build your wealth for retirement
- You don't have time to actively monitor markets
- You want experts to nurture your investments
- You want to supplement other insurance / investments to reach your retirement goals