During Budget 2026, there was an announcement of CPF to introduce a new investment scheme in the first half of 2028, offering simplified, low-cost and diversified commercial investment products.
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According to the CPF website, the key features include:
Automatic age-based rebalancing of investment portfolio mix, with phased liquidation
Investors’ portfolio mix will automatically rebalance along a glidepath from higher-risk assets, such as equities, to lower-risk assets, such as bonds, as they age, before being liquidated in phases by the target date. For example, if the target date is the Payout Eligibility Age (PEA) of 65, the investor's portfolio could be liquidated in phases a few years before PEA.
This calibrates the amount of investment risk to which investors are exposed to at different stages of life and mitigates the risk of a market downturn during exit.
Upon phased liquidation, the investment sale proceeds will be transferred to the investor’s Retirement Account (RA),...
