Retirement

Later-Life Planning, commonly known as End-of-Life Planning, is the process of making important decisions and arrangements for your future medical care, financial matters, and personal [...]

On a recent episode of Providend’s Money Wisdom Podcast, I was asked a bonus question about retirement strategies that plan for a drawdown of one’s capital versus perpetuities. I shared that for [...]

Making the shift from a saver (while you accumulate) to a spender (while you retire) can be a surprisingly hard part of retirement. In this episode, Isaac speaks with our Client Adviser, Bryan [...]

“I booked a Grab car and when it came, I was pleasantly surprised that it was a Lexus. Once I got in, I began an interesting conversation with the driver. I asked him if he could make money [...]

“If you are a retiree listening to this, you are effectively in the final phase of your life. Time is short and by being clear of your life’s purpose, you will be able to focus your time on [...]

Should I get a wealth adviser to help me plan for my retirement? Chris: If you are savvy enough to design your own portfolios, execute them using suitable low-cost instruments, keep your own [...]

“You cannot possibly find another better annuity in Singapore, than CPF LIFE.” In this episode, I will share a very important role of CPF LIFE in retirement planning — to provide retirees [...]

Over the past one month, the talk in town has been on rising interest rates and yields of fixed deposits, Singapore Savings Bonds and T-bills. This is not surprising as we have not seen such high [...]

In the event of mismanagement of their retirement monies, retirees might not be able to accumulate sufficient sums for their retirement again because of their advanced age. With that in mind, I [...]

As retirement specialists, we use instruments that are low-cost and do not try to beat the markets for our clients. In this episode, I will explain why we use index funds by looking at the risks [...]

“As retirement planners, our fiduciary duty is not to make retirees rich but to keep retirees financially secure.” In this episode and the upcoming ones, I will introduce you to our proprietary [...]

When we talk about retirement planning or our proprietary methodology, RetireWell, we always mention the 5 key risks that retirees face, namely 1) Longevity, 2) Inflation, 3) Healthcare, 4) [...]

Retirement planning and security in a rapidly changing world The world we live in today is full of volatility and uncertainty. COVID-19 has impacted us greatly in ways we could not have imagined [...]

In this episode, I hope to stress that both phases in retirement planning – accumulation and consumption, are equally important to secure retirement adequacy (not necessarily a luxurious [...]

In this episode, I will answer the following frequently asked questions on CareShield Life: How is Total and Permanent Disability insurance different from CareShield Life? What are the other [...]

In this episode, I will further elaborate on CPF LIFE – the national annuity plan which provides a way out of the longevity risk that retirees face with provision of income throughout their [...]

In this episode, I will highlight the key principle governing CPF and shares about the Minimum Sum Scheme, CPF LIFE as well as the hottest debate in 2014 concerning the interest rates we are [...]

In this episode, I will share the resources available to fulfil the three basic needs in our retirement age – a house to stay in, medical expense insurance, and a reliable monthly income [...]

Whenever we talk about retirement planning, the focus has almost always been on accumulating towards retirement. Very little has been spoken about withdrawing during retirement. But planning for [...]

If you have a hidden passion which you have always wanted to try, you don’t need to wait until you’re 65 for age is only a number, a cipher for records. In this podcast, Max shares how having [...]

By age 38, Kyith has achieved financial independence and helms Singapore’s most well read financial blog where he openly shares his personal wealth building journey since he was 24. In this [...]

TLDR: You also need a solid plan and a certain level of social proof. This idea of mini retirement (or sabbatical year or career break) has been around for many years. A mini retirement is when [...]

 In the last part of this series, we share about the concept of SA shielding and illustrate the difference in your CPF OA and CPF SA balances before and after you optimise them. You can [...]

 In this video, we explain the rationale behind CPF Full Retirement Sum and whether CPF LIFE is adequate to fund our retirement. You can find the link to the other parts here: Understanding [...]

 CPF LIFE is probably the best life annuity scheme you can find in Singapore. Question is, how do we choose between the Standard, Basic and Escalating plan? In Part 5 of this series, we share [...]

 At age 40, if your income is $20k/month, with $150k in your OA and $100k in your SA, you can easily amass a total of $1.08m in both your OA and SA by age 55. That means you can withdraw [...]

 CPF is one of the best “investment” tools for your accumulation towards retirement as the returns are high (and guaranteed) relative to its risk. In fact, OA returns up to 3.5% p.a., SA and [...]

 How many accounts are there in our CPF? Three? Well technically, there are four. If you do not see the fourth account yet, that is because you are still young 🙂 In this video, we spell out the [...]

 As a start to our 7-part series on understanding CPF for retirement, we talk about the 5 key risks that retirees face and specifically, in terms of investing, the sequence of returns risk. You [...]

In conventional retirement planning, advisers often assume that their clients’ annual expenses (adjusted for inflation) remain flat throughout their retirement years. Therefore, many retirement [...]