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.

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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 S$1,000
What is this
  • A multi-asset and diversified portfolio of unit trusts
  • Asset allocation is adjusted automatically as you move towards your retirement age
Suitable for Customers who want to invest to supplement their retirement goals
Fees 0.75% p.a. management fee
More information Factsheet
 

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!

 

Eligibility requirements

Who is eligible?
Age Must be 18 or older
Account needed You will require one of these DBS/POSB Savings or Current Accounts to invest in the Retirement Portfolio.
  • DBS AutoSave
  • DBS Savings Plus
  • eMultiCurrency Autosave (eMCA)
  • eMulti-Currency Autosave Plus (eMCA+)
  • Multi-Currency Autosave Plus
  • Multiplier Account
  • My Account
  • POSB Current Account
  • POSB eSavings
   

Invest now

Ready to invest? Retirement Portfolio is only available on our DBS/POSB digibank mobile app.

Invest with DBS digibank

Invest with POSB digibank

Scanning the QR codes 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.

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Invest with DBSInvest with POSB

Tapping the buttons 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.

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Retirement PortfolioNEW!

 

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

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