SqSave Target-Date PortfolioComing soon
One portfolio. For life.
Bold when you’re young, steadier as you near retirement. Your risk steps down automatically as life moves on.
Historical returns by risk phase*
Annualised, 30 Sep 2023 – 30 Sep 2026, net of fees
- Aggressive
- 17.58%
- Balanced
- 17.72%
- Conservative
- 13.83%
*Past performance is not necessarily indicative of future results. Above record is 3 Year cumulative and annualised returns from 30 September 2023 - 30 September 2026; net of fees. Historical returns shown are for illustrative purposes, based on past average returns at each glidepath risk phase, but should not be viewed as indicative of future results.
How Target-Date Portfolio works
One automated portfolio that steps your risk down in two moves.
Your portfolio grows up with you.
Risk steps down in two moves. You pick the two ages, and you can change them anytime.
Phase 1
Aggressive
Phase 2
Balanced
Phase 3
Conservative
onwards →
Risk steps down
at an age you pick
Risk steps down
at an age you pick
Mostly growth assets while time is on your side.
Risk steps down automatically. Growth keeps going.
Protect what you’ve built, without cashing out.
- Equities & alternativesEquity, commodity & real estate funds — drive your long-run returns
- Fixed incomeBond funds — steadier income that cushions the swings
- Cash & equivalentsA small liquid buffer that grows as your risk steps down
Illustration only. It shows how the mix shifts at each change, not exact allocations. Risk level is each phase’s place among SqSave’s five risk classes, from lowest to highest.
Built for every life stage.
Fresh grad, 24
Start small. Let decades of compounding do the work.
Mid-career, 38
Kids and a mortgage? Your risk adjusts on its own.
Pre-retiree, 55
Keep growing, with less risk, for as long as you stay.
- Compounds for decades
- No lock-in, withdraw anytime
- AI-managed, 24/7
- Your ages, your call