MoneyOwl’s CPF Investment Scheme is briefly mentioned in this article. It is said that the risks and investment challenges are acute for older investors – pre-retirees and retirees – who may still have a long horizon, but hew to a mainly fixed income portfolio, on which they expect to rely for income when they no longer work. But while these are unpredictable, the cost or fund’s expense ratios are in the investor’s control. The editor mentions MoneyOwl’s CPF Investment Scheme as one of the lower-cost fund choices, alongside Endowus’ robo advisors and DBS’ digiPortfolios.