The Global Macro Retirement Portfolio is a pure equity globally diversified strategy engineered to replace restrictive insurance plans and unpredictable dividend funds. By combining a core foundation of the world’s most dominant companies with a strategic, academically proven tilt toward undervalued and small-cap stocks, the portfolio captures reliable long-term growth while protecting your wealth against inflation and sector overexposure. Instead of relying on a fund manager’s whim for your yield, this “total return” approach allows you to dictate your exact automated monthly drawdown amount, giving you absolute control over your retirement paycheck. Backed by dedicated advisory coaching to keep you disciplined and prevent emotional mistakes during market volatility, it provides the perfect balance of capital appreciation, full liquidity, and stress-free, predictable income for the decades ahead.
What’s Inside The Portfolio
Three institutional-grade funds work together to give you broad global diversification, inflation protection, and enhanced long-term return potential — all in a single advised portfolio.
Value Fund
Tracks over 3,000 small and mid-cap stocks across global developed markets. This fund deliberately targets companies with cheaper valuations (“value stocks”) — an academically proven approach that aims to maximise long-term returns by capturing the size premium and value premium, two of the most robust factors in investment science.
Companies Fund
Tracks the 500 largest publicly listed companies in the United States — including Apple, Microsoft, Amazon, Nvidia, and Alphabet. As the engine of the world’s largest economy, this fund captures the earnings growth of America’s most dominant corporations and provides the core growth engine of the portfolio.
Index Fund
Tracks approximately 1,310 large and mid-cap stocks across 23 developed markets worldwide — spanning Europe, Japan, Australia, Canada, and beyond. Covering roughly 85% of the free float-adjusted market capitalisation in each country, this fund ensures the portfolio is not overly dependent on any single economy or region.
Full fund details, ISIN codes, and factsheets will be shared during your complimentary advisor consultation.
Choose How Your Money Works For You
No lock-in. No insurance. Switch anytime. Cash or SRS.
Unlike insurance plans: zero lock-in, no surrender charges, full liquidity.
Why Choose an Advised Portfolio over a Robo-Advisor?
Robo-advisors offer low-cost automation, but retirement planning is highly personal. An advised portfolio provides the critical human element needed to navigate complex financial decisions and volatile markets.
Tailored Risk Profiling
Algorithms treat you as a data point. A dedicated advisor assesses your unique life situation, existing assets, and psychological risk tolerance to recommend the precise portfolio and strategy you need.
Behavioural Coaching
During market downturns, robos can’t stop you from panic-selling. Advisors provide the essential behavioral coaching to keep you disciplined, focused on the long term, and preventing costly emotional mistakes.
Holistic Integration
A robo-advisor only manages the money you give it. An advisor integrates this portfolio into your broader financial plan—considering your CPF, insurance coverage, and overall estate planning goals.
Why a Drawdown Equity Portfolio — Not a Dividend Fund?
Investment value can go down as well as up.
A risk profile assessment is required. Your advisor will recommend a suitable amount based on your risk tolerance, time horizon, and existing allocation.
Live Performance
Weighted daily returns of the 3 funds (live data powered by Yahoo Finance), compounded from a S$10,000 base since 1 Jan 2026. Advisory and platform fees of 1.09% p.a. are charged quarterly by your advisor — not deducted from this chart.
Portfolio Track Record
Weighted average of actual fund returns (source: Yahoo/Morningstar, as of Mar 2026). Advisory and platform fees are charged separately on a quarterly basis.
| Period | Fund A 34% | Fund B 33% | Fund C 33% | Wtd Gross | Wtd Annualised |
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* Source: Yahoo/Morningstar as of Mar 2026. Returns shown are gross of advisory/platform fees. Advisory + platform fees (1.09% p.a. incl. GST) are charged quarterly. Fund management fees already in NAV. Past performance ≠ future results.
Plan Your Retirement Income
| Year | Balance | Growth | — |
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Fee Structure
Simple, transparent pricing. Fees are charged quarterly — not deducted daily from your returns.
Discover Your Suitability. Speak With An Advisor
* More detailed information about the specific underlying funds and strategy allocations will be shared during your complimentary consultation with a licensed financial advisor.