How can an average investor in Singapore, invest in 'Target Date Index Fund'?

We create Target date custom portfolios for clients at kristal.AI

There is a lot of research suggesting Target Date is a better strategy versus Balanced portfolios - and intuitively that's true as in early stages Target Date take more risk and reduce it over time via lower risk asset allocation during its life cycle.

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Hi Su! My friend Tat Tian recently shared the following article in another Seedly post on target-date funds in Singapore: https://www.todayonline.com/singapore/2050-reti...

The article gives a great overview of what target-date funds are, and the investing rationale behind them. Unfortunately, target-date funds don't seem to be generally available at the moment. Singaporeans can only buy such funds through investment plans offered by insurance firms. There's a lot to be said regarding the pros of target-date funds, based on what I've read. The best piece of information I've seen on the topic comes from the US-based finance blogger and investment manager, Ben Carlson: https://awealthofcommonsense.com/2019/06/david-...

Carlson shared that in the 10 year period from mid-2008 through mid-2018, Yale's endowment fund, run by the legendary David Swensen, gained 7.4% per year. Over the same period, target-date mutual funds in the US (with an end date of 2035) from Vanguard, Fidelity, and T. Rowe Price returned 7.3%, 6.7%, and 8.0%, respectively. These three target-date mutual funds were the largest of their kind back then. Swensen's long-term track record is truly the stuff of legends, and he invests in a complex manner using hedge funds, private equity, venture capital funds, commodities, real estate, and so on. And yet, for a decade-long period, his performance has been on par with simple target-date mutual funds.