CFA Singapore Insights

The approach gives people the flexibility to extend their income-producing years, and helps them stay active and engaged

A vibrant bond market is essential to match the liabilities of insurance and pension funds, as well as to finance the growth of local firms

They can also rely on technology to build a strategic allocation that is aligned with their needs

The lived experience of real-world investors is a gauntlet of taxes, fees and the need to spend money

The practice can unintentionally undermine investments’ long-term performance by truncating exposure and amplifying behavioural frictions

Government investments are altering downside risk, return expectations and the long-term investment case for some companies

The scepticism about them is a form of post-traumatic stress from the financial crisis; the moral hazard today is lower than before 2008

Their appeal lies in their independence from economic cycles and their potential to provide steady returns even when traditional markets are under stress

Aligning behaviour with needs at each stage can help residents enjoy a retirement that is safe, secure, comfortable and dignified