{"id":29117,"date":"2026-05-13T17:39:01","date_gmt":"2026-05-13T09:39:01","guid":{"rendered":"https:\/\/www.syfe.com\/magazine\/?p=29117"},"modified":"2026-05-13T17:39:04","modified_gmt":"2026-05-13T09:39:04","slug":"cpf-new-lifecycle-investing-model-glidepath-investing-strategy-how-to-apply-it-own-portfolio","status":"publish","type":"post","link":"https:\/\/www.syfe.com\/magazine\/cpf-new-lifecycle-investing-model-glidepath-investing-strategy-how-to-apply-it-own-portfolio\/","title":{"rendered":"CPF\u2019s New Glidepath Investing Model Explained \u2014 And How to Apply It to Your Own Portfolio"},"content":{"rendered":"\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" data-attachment-id=\"29122\" data-permalink=\"https:\/\/www.syfe.com\/magazine\/cpf-new-lifecycle-investing-model-glidepath-investing-strategy-how-to-apply-it-own-portfolio\/pexels-rdne-8369764\/\" data-orig-file=\"https:\/\/www.syfe.com\/magazine\/wp-content\/uploads\/2026\/05\/pexels-rdne-8369764-scaled.jpg\" data-orig-size=\"2560,1707\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"pexels-rdne-8369764\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/www.syfe.com\/magazine\/wp-content\/uploads\/2026\/05\/pexels-rdne-8369764-300x200.jpg\" data-large-file=\"https:\/\/www.syfe.com\/magazine\/wp-content\/uploads\/2026\/05\/pexels-rdne-8369764-1024x683.jpg\" src=\"https:\/\/www.syfe.com\/magazine\/wp-content\/uploads\/2026\/05\/pexels-rdne-8369764-1024x683.jpg\" alt=\"lifecycle glidepath investing strategy personal finance portfolio\" class=\"wp-image-29122\" srcset=\"https:\/\/www.syfe.com\/magazine\/wp-content\/uploads\/2026\/05\/pexels-rdne-8369764-1024x683.jpg 1024w, https:\/\/www.syfe.com\/magazine\/wp-content\/uploads\/2026\/05\/pexels-rdne-8369764-300x200.jpg 300w, https:\/\/www.syfe.com\/magazine\/wp-content\/uploads\/2026\/05\/pexels-rdne-8369764-768x512.jpg 768w, https:\/\/www.syfe.com\/magazine\/wp-content\/uploads\/2026\/05\/pexels-rdne-8369764-1536x1024.jpg 1536w, https:\/\/www.syfe.com\/magazine\/wp-content\/uploads\/2026\/05\/pexels-rdne-8369764-2048x1365.jpg 2048w, https:\/\/www.syfe.com\/magazine\/wp-content\/uploads\/2026\/05\/pexels-rdne-8369764-630x420.jpg 630w, https:\/\/www.syfe.com\/magazine\/wp-content\/uploads\/2026\/05\/pexels-rdne-8369764-696x464.jpg 696w, https:\/\/www.syfe.com\/magazine\/wp-content\/uploads\/2026\/05\/pexels-rdne-8369764-1068x712.jpg 1068w, https:\/\/www.syfe.com\/magazine\/wp-content\/uploads\/2026\/05\/pexels-rdne-8369764-1920x1280.jpg 1920w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-singapore-s-upcoming-cpf-lifecycle-investment-scheme-will-introduce-glidepath-investing-to-millions-of-qualified-members-but-this-strategy-isn-t-limited-to-cpf-learn-how-glidepath-investing-works-and-how-you-can-apply-the-same-principles-across-your-own-portfolio\">Singapore\u2019s upcoming CPF lifecycle investment scheme will introduce glidepath investing to millions of qualified members. But this strategy isn\u2019t limited to CPF. Learn how glidepath investing works, and how you can apply the same principles across your own portfolio.<\/h3>\n\n\n\n<p>Announced during Budget 2026 and expected to launch in the first half of 2028, Singapore\u2019s new CPF lifecycle investment scheme introduces a glidepath investment strategy that automatically adjusts portfolio risk over time. Younger CPF members may receive greater exposure to growth assets like equities, but as members approach retirement age their portfolios gradually become more conservative.<\/p>\n\n\n\n<p>The concept behind this is simple: <strong>your investment strategy should evolve as your life evolves<\/strong>.<\/p>\n\n\n\n<p>Rather than constantly managing asset allocation decisions themselves, glidepath investing automates the process through professionally managed portfolios that rebalance according to age and retirement horizon.<\/p>\n\n\n\n<p>Globally, this approach is already widely used in pension systems, target-date retirement funds, and managed investment portfolios. Now, Singapore\u2019s CPF system is preparing to adopt similar principles to help members invest more effectively for long-term retirement outcomes.<\/p>\n\n\n\n<p>But glidepath investing is not something Singaporeans need to wait until 2028 to access.<\/p>\n\n\n\n<p>The same core principles\u2014long-term diversification, automatic rebalancing, and gradually adjusting risk exposure over time\u2014can already be applied across your personal investment portfolios now.<\/p>\n\n\n\n<p>This article explores how CPF\u2019s upcoming lifecycle investment scheme works, and how investors can apply the glidepath investing strategy beyond CPF to build long-term wealth more intentionally.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-table-of-contents\">Table of Contents<\/h3>\n\n\n\n<ol class=\"wp-block-list\">\n<li><a href=\"#what\">What Is Glidepath Investing?<\/a><\/li>\n\n\n\n<li><a href=\"#why\">Why CPF Is Introducing a Lifecycle Investment Scheme<\/a><\/li>\n\n\n\n<li><a href=\"#how\">How Glidepath Strategies Work\u00a0<\/a><\/li>\n\n\n\n<li><a href=\"#compare\">How Glidepath Investing Compares With CPFIS<\/a><\/li>\n\n\n\n<li><a href=\"#apply\">Applying Glidepath Investing Across Different Life Stages<\/a><\/li>\n\n\n\n<li><a href=\"#syfe\">Syfe Portfolios For Different Glidepath Stages<\/a><\/li>\n\n\n\n<li><a href=\"#final\">Final Thoughts: Retirement Investing Should Evolve With You<\/a><\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"what\">What Is Glidepath Investing?<\/h2>\n\n\n\n<p>At its core, glidepath investing is an investment strategy that <strong>gradually adjusts portfolio risk as an investor ages.<\/strong><\/p>\n\n\n\n<p>The concept is relatively straightforward:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Younger investors typically have a longer time horizon and can afford to take on more growth-oriented investments like equities.<\/li>\n\n\n\n<li>Older investors nearing retirement generally prioritise stability and capital preservation over aggressive growth.<\/li>\n<\/ul>\n\n\n\n<p>Instead of maintaining a static asset allocation throughout life, glidepath investing automatically \u201cglides\u201d from higher-risk investments toward more conservative ones over time.<\/p>\n\n\n\n<p>For example, a younger investor in their 20s or 30s may hold 80% equities and 20% bonds or cash equivalents. But by their late 50s or 60s, the allocation may gradually shift towards 40% equities and 60% bonds and defensive assets.<\/p>\n\n\n\n<p>The goal is not necessarily to maximise returns at every stage of life, but to balance growth potential with risk management based on how much time an investor has before retirement.<\/p>\n\n\n\n<p>Globally, glidepath investing is commonly used in target-date retirement funds, pension systems, and managed portfolios. The new CPF system will adopt similar principles.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"why\">Why CPF Is Introducing a Lifecycle Investment Scheme<\/h2>\n\n\n\n<p>CPF has long been designed around stability and self-sufficiency in retirement.<\/p>\n\n\n\n<p>The existing CPF Investment Scheme (CPFIS) already allows members to invest eligible CPF savings into products like unit trusts, ETFs, bonds, shares, and insurance-linked investments.<\/p>\n\n\n\n<p>However, participation in CPFIS has historically remained relatively low. Many members choose not to invest at all, while others may find it difficult to build diversified portfolios, manage asset allocation, rebalance consistently, and assess risk appropriately over decades.<\/p>\n\n\n\n<p>The new CPF lifecycle investment scheme appears designed to address this challenge by simplifying the investing process. Rather than requiring members to actively pick investments themselves, portfolios would be professionally managed according to a glidepath framework that evolves with age and retirement horizon.<\/p>\n\n\n\n<p>This reflects a broader global shift towards structured, long-term portfolio management in retirement investing. It also reflects a growing understanding that retirement portfolios should evolve over time, not remain unchanging for decades.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"how\">How Glidepath Strategies Work<\/h2>\n\n\n\n<p>The defining feature of glidepath investing is that <strong>portfolio allocation changes gradually throughout an investor\u2019s life<\/strong>.<\/p>\n\n\n\n<p>In the early stages of investing, portfolios are typically tilted more heavily toward growth assets like global equities. This allows investors to potentially benefit from long-term compounding over multiple decades.<\/p>\n\n\n\n<p>Historically, equities have experienced short-term volatility but delivered stronger long-term returns than lower-risk assets like cash or government bonds.<\/p>\n\n\n\n<p>Over time, however, the glidepath begins reducing equity exposure while increasing allocations towards income-generating assets like bonds, defensive holdings, and cash equivalents.<\/p>\n\n\n\n<p>This gradual transition helps manage the risk of experiencing major market declines shortly before retirement. For example, a 30-year-old investor experiencing a market downturn may still have decades to recover. But a 60-year-old approaching retirement may not have the same luxury of time.<\/p>\n\n\n\n<p>Glidepath investing seeks to automatically reduce this risk rather than relying on investors to manually adjust allocations themselves.<\/p>\n\n\n\n<p>Many investors struggle with staying disciplined during periods of market uncertainty. They might panic-sell during market declines, overconcentrate on high-performing assets, take excessive risk during bull markets, or become too conservative after losses.<\/p>\n\n\n\n<p>These emotional reactions can significantly reduce long-term returns.<\/p>\n\n\n\n<p>Glidepath investing takes emotion out of the equation by introducing a structured framework for portfolio management. Instead of making reactive allocation decisions based on headlines or short-term market movements, investors follow a long-term strategy designed around time horizon, risk tolerance, and retirement objectives.<\/p>\n\n\n\n<p>Professional portfolio management and automated rebalancing can also reduce the temptation to constantly \u201ctinker\u201d with investments. Especially for retirement-focused investors who prioritise consistency and a hands-off approach over speculation and reaction, lifecycle investing helps you stay invested over the long term.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"compare\">How Glidepath Investing Compares With CPFIS<\/h2>\n\n\n\n<p>The current CPF Investment Scheme gives members great flexibility in how they invest their eligible CPF savings. This means individuals are fully responsible for portfolio construction, diversification, rebalancing, risk management, and ongoing monitoring.<\/p>\n\n\n\n<p>While this flexibility may be appreciated by experienced investors, it also creates a higher barrier to participation for other CPF members.<\/p>\n\n\n\n<p>By contrast, the new lifecycle investment scheme is intended to simplify decision-making through professionally managed portfolios aligned with different life stages and goals such as:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>early retirement<\/li>\n\n\n\n<li>wealth accumulation<\/li>\n\n\n\n<li>passive income<\/li>\n\n\n\n<li>legacy planning<\/li>\n\n\n\n<li>financial independence.<\/li>\n<\/ul>\n\n\n\n<p>This is where glidepath investing can be applied beyond CPF.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"apply\">Applying Glidepath Investing Across Different Life Stages<\/h2>\n\n\n\n<p>While CPF\u2019s lifecycle investment scheme will only launch in 2028, investors can already apply glidepath principles to their own portfolios today.<\/p>\n\n\n\n<p>Different life stages often require different investment priorities. So instead of asking which ETF or share to buy, you can ask instead what level of risk is appropriate for your current stage of life.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-early-career-20s-30s\">Early Career (20s\u201330s)<\/h3>\n\n\n\n<p>At this stage, investors typically have longer investment horizons, stronger earning potential ahead, and more time to recover from market downturns. As such, portfolios during this phase are often tilted more heavily towards growth assets.<\/p>\n\n\n\n<p>A glidepath strategy for younger investors would be focused on long-term capital appreciation through long-term compounding rather than minimising short-term volatility. Portfolios would thus be built on global equities and high-growth sectors.&nbsp;<\/p>\n\n\n\n<p>A growth-oriented managed portfolio like Syfe\u2019s <a href=\"https:\/\/www.syfe.com\/core\/equity100\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Core Equity100<\/strong><\/a> would align well with this phase of the glidepath journey. It offers exposure to over 5,800 global stocks and is built on a multi-factor methodology tilted towards size, value, quality and country exposure.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-round\"><a class=\"wp-block-button__link has-background wp-element-button\" href=\"https:\/\/www.syfe.com\/core\/\" style=\"background-color:#263159\" target=\"_blank\" rel=\"noreferrer noopener\">Explore Core Portfolios<\/a><\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-mid-career-40s-50s\">Mid-Career (40s\u201350s)<\/h3>\n\n\n\n<p>As retirement approaches, investment priorities often begin shifting.<\/p>\n\n\n\n<p>Investors may now focus more on reducing concentration risk, balancing growth with stability, and preserving accumulated wealth.<\/p>\n\n\n\n<p>This is where a glidepath strategy typically begins introducing greater diversification across asset classes.<\/p>\n\n\n\n<p>Rather than just pursuing maximum growth, portfolios may become more balanced among equities, fixed income, and income-generating assets. Managed portfolios with diversified global allocations and moderate risk exposure may complement this phase well. The goal is not to eliminate growth, but to manage risk more intentionally as retirement draws closer.<\/p>\n\n\n\n<p><strong><a href=\"https:\/\/www.syfe.com\/income-plus\" target=\"_blank\" rel=\"noreferrer noopener\">Syfe\u2019s Income+ portfolio<\/a><\/strong> is a professionally managed, globally diversified bond portfolio designed to generate passive income through SGD-hedged, investment-grade funds. It provides regular monthly payouts with no lock-in periods or minimum balance required, and is powered by actively managed funds from PIMCO.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-round\"><a class=\"wp-block-button__link has-background wp-element-button\" href=\"https:\/\/www.syfe.com\/income-plus\" style=\"background-color:#263159\" target=\"_blank\" rel=\"noreferrer noopener\">Explore Income+<\/a><\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-pre-retirement-late-50s-60s\">Pre-Retirement (Late 50s\u201360s)<\/h3>\n\n\n\n<p>Closer to retirement, preserving capital often becomes increasingly important.<\/p>\n\n\n\n<p>Large portfolio drawdowns shortly before retirement can have a significant impact on long-term financial security. Therefore, at this stage, glidepath strategies usually prioritise portfolio stability through volatility mitigation, income generation, and defensive positioning.<\/p>\n\n\n\n<p>This often means increasing exposure to bonds, dividend-generating assets, income-focused portfolios, and cash management solutions.<\/p>\n\n\n\n<p>Rather than aggressively pursuing higher returns, the focus now shifts toward sustainability and reliability of retirement income.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"syfe\">Syfe Portfolios For Different Glidepath Stages<\/h2>\n\n\n\n<p>By applying glidepath investing outside CPF, investors can tailor portfolios around their own:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>financial goals<\/li>\n\n\n\n<li>risk tolerance<\/li>\n\n\n\n<li>retirement timelines<\/li>\n\n\n\n<li>income needs.<\/li>\n<\/ul>\n\n\n\n<p>This is where Syfe\u2019s managed portfolios come in.&nbsp;<\/p>\n\n\n\n<p>For example:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Life Stage<\/strong><\/td><td><strong>Potential Glidepath Focus<\/strong><\/td><td><strong>Portfolio Types<\/strong><\/td><td><strong>Syfe Portfolio(s)<\/strong><\/td><\/tr><tr><td>20s\u201330s<\/td><td>Long-term growth<\/td><td>Growth-oriented portfolios<\/td><td>Core, REIT+<\/td><\/tr><tr><td>40s\u201350s<\/td><td>Balanced growth and stability<\/td><td>Diversified portfolios<\/td><td>Core, Income+, REIT+&nbsp;<\/td><\/tr><tr><td>50s\u201360s<\/td><td>Income and preservation<\/td><td>Income-oriented or defensive portfolios<\/td><td>Income+, Cash+<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>As managed portfolios are professionally monitored and periodically rebalanced, they can help investors maintain discipline as allocations evolve over time.<\/p>\n\n\n\n<p>Glidepath investing does not mean you have to become extremely conservative during retirement. With longer life expectancies, many retirees may still need portfolios that can generate growth throughout their retirement to keep pace with inflation and sustain their expenses over multiple decades.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"final\">Final Thoughts: Retirement Investing Should Evolve With You<\/h2>\n\n\n\n<p>Singapore\u2019s upcoming CPF lifecycle investment scheme reflects an evolution in retirement strategy. Glidepath investing adopts a more growth-oriented approach when time is on your side, then gradually reduces risk as retirement approaches.<\/p>\n\n\n\n<p>While CPF\u2019s new scheme may make this approach more accessible to members, regular investors do not need to wait until 2028 to adopt these principles themselves.<\/p>\n\n\n\n<p>For many Singaporeans, combining CPF\u2019s stability with professionally managed investment portfolios outside CPF may offer a more flexible way to pursue long-term financial goals across different stages of life.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n\n\n\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading\" id=\"h-read-more\">Read More:<\/h3>\n<\/div><\/div>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.syfe.com\/magazine\/budget-2026-ai-cpf-esg-clean-energy-singapore-new-economic-policies-shape-investment-portfolio\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u200b\u200bBudget 2026: AI, CPF &amp; Clean Energy \u2014 How Singapore\u2019s New Policies Could Shape Your Portfolio in 2026<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.syfe.com\/magazine\/is-1m65-still-enough-for-retirement-in-singapore\/\" target=\"_blank\" rel=\"noreferrer noopener\">Is 1M65 Still Enough for Retirement in Singapore?<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.syfe.com\/magazine\/how-to-earn-1-million-by-65-singapore-1m65-movement\/\" target=\"_blank\" rel=\"noreferrer noopener\">Can You Earn S$1 Million By 65? A Deep Dive Into Singapore\u2019s 1M65 Movement<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.syfe.com\/magazine\/retirement-planning-checklist-are-you-on-track\/\" target=\"_blank\" rel=\"noreferrer noopener\">Your Retirement Planning Checklist: Are You on Track?<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.syfe.com\/magazine\/best-srs-investment-options-in-singapore\/\" target=\"_blank\" rel=\"noreferrer noopener\">How and Where to Invest Your First $100K in Singapore \u2013 Your Step-by-Step Guide<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.syfe.com\/magazine\/how-much-need-to-retire-in-singapore\/\" target=\"_blank\" rel=\"noreferrer noopener\">How Much Do You Need to Retire in Singapore?<\/a><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Singapore\u2019s upcoming CPF lifecycle investment scheme will introduce glidepath investing to millions of qualified members. But this strategy isn\u2019t limited to CPF. Learn how glidepath investing works, and how you can apply the same principles across your own portfolio.<\/p>\n","protected":false},"author":3,"featured_media":29122,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[16,287,290],"tags":[874,1234,998,954,768],"class_list":{"0":"post-29117","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-grow-wealth","8":"category-investing-basics","9":"category-personal-finance","10":"tag-cpf","11":"tag-glidepath-investing","12":"tag-investing-strategy","13":"tag-investment-strategy","14":"tag-personal-finance"},"acf":{"readingTime":"","authorName":"","authorThumbnail":false,"BLUE_TIER":"0","BLACK_TIER":"0","GOLD_TIER":"0","PRIVATE_WEALTH_TIER":"0","PRE_AML":"0","POST_AML":"0","NO_GLOBAL_PORTFOLIO":"0","NO_REITS_PORTFOLIO":"0","NO_EQUITY_PORTFOLIO":"0","NO_CASH_PORTFOLIO":"0","HAS_ADVISOR":"0","INVESTMENT_PORTFOLIO_AUM":"0","AFTER_AML_DATE":"","AFTER_ACCOUNT_CREATED_DATE":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.1 (Yoast SEO v27.1.1) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>CPF\u2019s New Glidepath Investing Model Explained \u2014 And How to Apply It to Your Own Portfolio<\/title>\n<meta name=\"description\" content=\"Learn how glidepath investing works as an investment strategy, and how you can apply the same principles across your own portfolio.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.syfe.com\/magazine\/cpf-new-lifecycle-investing-model-glidepath-investing-strategy-how-to-apply-it-own-portfolio\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"CPF\u2019s New Glidepath Investing Model Explained \u2014 And How to Apply It to Your Own Portfolio\" \/>\n<meta property=\"og:description\" content=\"Singapore\u2019s upcoming CPF lifecycle investment scheme will introduce glidepath investing to millions of qualified members. 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