Retirement digiPortfolio

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.

Invest now

About Retirement PortfolioThe 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. Just pick your retirement age and we’ll do the rest.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 worksThe Retirement Portfolio takes care of your investments, making it easier for you to enjoy retirement without stress. Here's how it works: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.And we’ll keep working while you retire.Even in retirement, our team continues to look after your investments. This way, you can enjoy retirement more and worry less!

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Eligibility requirements


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

Invest nowReady to invest? Retirement Portfolio is only available on our DBS digibank mobile app. Simply follow the steps below to start investing.

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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$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.

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 2024

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