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公积金滑降轨道投资组合挑战重重，但数字平台逆势而上

Endowus成功帮助会员摆脱对现金存款的依赖，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
    • 对于中央公积金即将在2028年推出的生命周期投资组合而言，投资者教育和退休规划建议将至关重要。
    • 对于中央公积金即将在2028年推出的生命周期投资组合而言，投资者教育和退休规划建议将至关重要。 照片：商业时报资料图

    本文由AI辅助翻译

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    【新加坡】采用滑降轨道机制的生命周期投资组合，是一种明智且成熟的退休前投资方法。在这种机制下，投资组合的风险敞口会随着投资者临近退休而降低。

    在美国，这类资产——也称为目标日期策略——在2025年增长了20%，因股市活跃而达到4.8万亿美元的规模。

    投资研究公司Morningstar指出，过去十年，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增值和稳定的计划供款。

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