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公积金滑行路径投资组合面临艰巨挑战，但数字平台逆势而上

Endowus成功帮助成员摆脱对现金存款的偏爱，为即将推出的基金带来了希望

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Genevieve Cua

Genevieve Cua

Published Wed, Jul 29, 2026 · 05:24 PM
    • 对于中央公积金的生命周期投资组合在2028年成功推出，投资者教育和退休规划建议将是至关重要的。
    • 对于中央公积金的生命周期投资组合在2028年成功推出，投资者教育和退休规划建议将是至关重要的。 照片：商业时报资料

    本文由AI辅助翻译

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    【新加坡】生命周期投资组合采用滑行路径机制，即随着投资者临近退休，其风险敞口会逐渐降低。这是一种明智且成熟的退休前投资方法。

    在美国，这类也被称为目标日期策略的资产，在活跃的股票市场推动下，于2025年增长了20%，总额达到4.8万亿美元。

    投资研究公司Morningstar指出，过去10年，美国的目标日期策略以接近12%的年化复合增长率增长，这反映了资产价格的升值和稳定的计划供款。

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