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生命周期投资组合面世前：公积金真实运作原理入门

该退休计划围绕三个人生阶段构建，旨在实现三大目标

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    • 公积金会员应注意，他们在生命周期投资组合中的储蓄将投资于金融市场，并由私人机构管理。
    • 公积金会员应注意，他们在生命周期投资组合中的储蓄将投资于金融市场，并由私人机构管理。 照片：商业时报资料

    Christopher Tan

    Published Mon, Mar 23, 2026 · 06:55 PM

    本文由 AI 翻译，关键事实请以原文为准。

    查看原文

    自财政部长 Lawrence Wong 在上个月宣布将于2028年为公积金（Central Provident Fund, CPF）推出生命周期基金以来，关于这类投资组合的性质，以及公积金会员在计划推出时是否应该参与的讨论不绝于耳。

    在本文中，我希望能阐明这类投资组合的概念，但更重要的是，在新加坡公积金退休计划的更宏观背景下解释它们，以及公积金如何帮助新加坡人规划退休生活。

    许多人没有意识到，公积金退休计划的运作方式几乎就像一个围绕“三”字构建的框架——即通过三个人生阶段来实现三大目标。

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