Thailand's aging population (1 in 5 residents now 60+) with rising life expectancy (77-78 years) means retirees face 25-30 years of post-retirement financial management. Traditional static portfolios miss key retirement risks—longevity risk and sequence-of-returns risk. UOB Thailand introduces two Glide Path funds (UPRE for pre-retirees, UPOST for retirees) that automatically rebalance asset allocation over time, maintaining growth while managing withdrawal-phase risks better than fixed-allocation approaches.