Smart Investments for Retirement | digiPortfolio

Retirement digiPortfolio

At a Glance

Allocated according to your retirement timeline

Grow your investment at the start and transition towards stability as you age.

Twice the expertise managing your portfolio

Managed for you by DBS in collaboration with J.P. Morgan Asset Management.

Enjoy a digiPortfolio gift with S$68 credit.

Plus, zero fees when you set up a regular savings plan! T&Cs apply.

The Retirement Portfolio is only available on our DBS digibank mobile app.Invest now

About Retirement Portfolio

Just as our individual needs change over time, our investment portfolios require adjustments to suit evolving circumstances, responsibilities, and future goals for hard-earned savings.Not sure how to do that? We've got you covered. Our Retirement Portfolio automatically adjusts the risk for you as you age. Why is that important?

In earlier stages of your life, the goal is to take advantage of your long-term horizon to grow your retirement funds by participating in equity markets. Although more volatile, over the long-term, it outperforms other asset classes.

When you approach your desired retirement age, the value of your investments would have grown a lot more. This also means that the potential losses that can happen with any market downturn, is also greater.

The closer you get to your retirement age, the more important it is to focus on stability over growth, and that means having a focus on bonds over equities so that you can conserve your wealth. And we do it all for you.Start small, grow big. Investing for retirement doesn't need a huge sum. With Retirement Portfolio, you can start from as little as S$100 and keep adding as your budget allows – even S$100 a month makes a difference.Invest early and watch it grow. The earlier you start, the more your money benefits from compounding. Watch your retirement funds grow steadily over time. Expert guidance for your future. Managed by DBS in collaboration with J.P. Morgan Asset Management – leaders in retirement planning and experts in both Asian and Global markets.Simple setup, easy to manage. No need to be an investment pro. Get started with just S$100 and add more whenever it's convenient. We take care of the complexities, so you can enjoy retirement more and worry less.

Features & Benefits


Minimum amount to start	S$100
What this is	A diversified portfolio of unit trusts where asset allocation is adjusted in an automated manner according to your years to retirement
Suitable for	Customers who want to invest to grow your retirement funds
Fees	0.75% p.a. 0.25% p.a. upon retirement
More information	Factsheet

How it works1. Construction of the portfolioRetirement Portfolio helps you to invest by first taking into consideration your desired age of retirement.Based on your intended retirement timeline, a professionally constructed portfolio offering diversified exposure across various asset classes and markets, will be designed for you.

Asset Class	Exposure
Equities	US Europe Japan Asia Ex-Japan
Fixed Income	Global Government Bonds Global Corporate Bonds Emerging Markets Debt

2. Dynamic adjustment of portfolioThe construction of your portfolio is supplemented with an investment strategy known as the glidepath.When the investor is further away from the retirement age, the portfolio mix will tilt towards growth with equities.Moving closer to retirement, the portfolio mix will gradually recalibrate towards the relative stability of fixed income. This is meant to lower the probability of a market event significantly impacting the nest egg that you have steadily built over the years.

It doesn’t stop there. Even in retirement, the investment team continues to look after your investments. This way, you can enjoy retirement more and worry less!

Need a little guidance?Let us help plan what you need, so you can decide on a solution that works best for you. Chat with our Wealth Planning Managers today.Speak with us

Promotions

Grow your wealth with DBS

Performance and Insights


Minimum amount to start	S$100
What this is	A diversified portfolio of unit trusts where asset allocation is adjusted in an automated manner according to your years to retirement
Suitable for	Customers who want to invest to grow your retirement funds
Fees	0.75% p.a. 0.25% p.a. upon retirement
More information	Factsheet

Portfolio Inception was 30 Sep 2023
Figures as of 30 June 2026.
The above table is based on the Indicative Model Portfolio returns and is gross of fees. Individual performance may vary.

Q2 2026 Market Review

Investors experienced a meaningful shift in tone during Q2 2026, with markets moving from heightened caution in Q1 to a more constructive risk backdrop as the quarter progressed. While geopolitical developments, evolving inflation expectations, and policy uncertainty continued to trigger bouts of volatility, sentiment improved as energy-related pressures eased and markets refocused on a resilient growth backdrop—supporting a broad move higher in global risk assets. Global equities staged a strong rebound in Q2, with the MSCI World (local currency) rising 13.97%. Performance was supported by robust technology earnings and renewed confidence in AI-related capital expenditure, as US hyperscale's continued to raise guidance. Regional returns largely reflected differences in sector composition and sensitivity to global macro drivers. US equities led developed markets, with gains concentrated in technology and semiconductor-linked segments as investors maintained strong demand for AI beneficiaries. At the same time, elevated valuations and questions around the long-term monetization of AI-related capital spending remained central to the debate. European equities rallied on de-escalation in the Middle East and resilient economic sentiment, while UK equities lagged other regions due to relatively large exposure to the commodity downturn. Emerging market equities outperformed, led by Korea and Taiwan. Returns were driven in large part by picks-and-shovels areas - especially semiconductors and IT hardware - as investors tilted toward more direct beneficiaries of the AI investment cycle. The MSCI Emerging Markets (local currency) index rose 24.12% over the quarter. Fixed income markets ended the quarter higher, returning 0.87% (JPM GBI, USD hedged), but remained volatile as investors grappled with shifting expectations for inflation and the trajectory of monetary policy. Early in the period, an escalation in the Iran war pushed oil prices higher, intensifying inflation concerns and triggering a rapid repricing of the expected policy path, with central banks pushing out anticipated rate cuts and, in some cases, reintroducing the prospect of further tightening. In the US, the Federal Reserve held policy rates steady but reinforced a higher-for-longer stance, emphasizing vigilance on inflation and leaving the door open to additional tightening should price pressures prove persistent.

Market Outlook

Latest global data point to a resilient macro backdrop. PMIs remain firm, consumer demand is holding up, inflation is contained, and inflation expectations appear well anchored. Despite the June meeting coming across more hawkish than anticipated, JPMAM continue to expect the Fed to remain on hold for the rest of the year—while acknowledging increased upside risks to rates.

JPMAM remain pro-risk via equities and modestly constructive on credit. JPMAM are monitoring for any re-acceleration in inflation that could reprice rates and tighten financial conditions, as well as signs of an AI inflection—slower demand, softer capex, or renewed valuation pressure.

To start the third quarter, JPMAM added to equities by increasing the allocation to US by 1% and the allocation to Asia by 0.5% while reducing European equities by 0.5%. The intention is to lean more into the areas of the market that JPMAM believe have stronger growth drivers. To fund the addition of equities JPMAM also sold down 1% of Emerging Market Debt, which has performed quite well. Spreads in the EMD space are quite narrow relative to history and JPMAM see more upside in Equities.

What does this mean for you? Planning for retirement is crucial, and Retirement Portfolio can play a part in your years ahead.

Start small - Even regular contributions can grow significantly over time.

Finding the right mix – Simplify how you invest with a diversified portfolio which automatically adjusts its risk as you move towards retirement.

Take the first step and invest now to enjoy retirement more and worry less!Practise good money habits – RetireBuilding good money habits goes a long way to helping us secure the retirement lifestyle we desire. Retirement planning is all about having passive income flows to fund your basic and lifestyle needs. Fund basic needs with stable income flows from safer products while lifestyle needs can be funded by more variable income flows from higher risk products. You should aim to meet the CPF Full Retirement Sum and have more than 1 passive income stream.

Eligibility requirements


Minimum amount to start	S$100
What this is	A diversified portfolio of unit trusts where asset allocation is adjusted in an automated manner according to your years to retirement
Suitable for	Customers who want to invest to grow your retirement funds
Fees	0.75% p.a. 0.25% p.a. upon retirement
More information	Factsheet

Invest with DBS digibank

On POSB? Click here to invest.

Don’t have digibank?

Scanning the QR code above will direct you via OneLink to an app store, a third-party site, to download digibank. Read our disclaimer on accessing third-party sites here.

Tap to get started!

Invest with DBS

Tapping the button above will direct you via OneLink to an app store, a third-party site, to download digibank. Read our disclaimer on accessing third-party sites here.

Invest in a few taps
Retirement Portfolio^NEW!

Step 1
Launch digibank app, tap on digiWealth.

Step 2
Under Invest, select digiPortfolio.

Step 3
Select Add a portfolio.

Step 4
Select Autopilot – Equities now, Bonds later and tap on Explore.

Step 5
Tell us your retirement age and enter funding details.

Step 6
Review and submit.

Frequently Asked QuestionsRead the full list of FAQs on Retirement Portfolio here.

What is the Retirement Portfolio?

The Retirement Portfolio is a ready-made portfolio that helps you invest for your retirement, starting from S$100 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.

How does the Retirement Portfolio work?

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.

Who is the Retirement Portfolio designed for?

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

digiPortfolio Terms and Conditions as of 19 February 2024DBS Investment Disclaimer