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Blog #38 Asset Allocation with the CPFIS
By Managing Your Money  •  December 6, 2017

My last two blogs was about investing for the long run. Specifically, in Blog #36, I showed how easy it is to be your own robo-advisor using nothing more than Excel and an add-on software to simulate and visualize investment outcomes. The example in that blog simulates the terminal wealth distribution of a “glide path” over a 35 year period based on a stock-bond portfolio where the allocation to stocks declines as the investor ages. This investment approach focuses on long term results and prudent risk management. It goes by the name of lifetime asset allocation.

Some readers wrote in asking whether they can utilize their CPF savings to do lifetime asset allocation. My short answer: why not? But I also added a caveat: there are traps to be aware of. This blog will offer advice on how to avoid these traps.

To begin with, there are two CPF investment schemes through which

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By Managing Your Money
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