Retirement

 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 [...]

In Singapore, the current official retirement age is 62 years old but to have a realistic estimate of when you can really retire, it ultimately starts with determining your retirement needs. If [...]

I had a friend who asked me this question recently: When did you realize you were financially secure and didn’t need a job anymore? I thought I will give an answer here (since we are a fee-only [...]

There are two distinctive phases for retirement planning- Accumulation and Withdrawal. However, many of us tend to only focus on the accumulation bit pre-retirement and often neglect the [...]

In a world with so much geopolitical issues and uncertainty, retirement seems to be a scary subject to think about. Retirement planning during withdrawal phase is more complex because retirees [...]

In my last 2 parts, I shared the need to initiate a conversation with your other half and to take actions as soon as possible. In this final part, I hope to touch on the topic of children. After [...]

In the previous article, I shared that by starting the conversation about finances and retirement planning with your other half allows both of you to think about your desired current and future [...]

Somewhere in the middle of last year, I met up with a friend of mine. Over coffee, she lamented, “Hey, Yong Cheng, you know I have been wanting to speak to my husband about planning for our [...]

As you journey through life, the phases of your retirement planning process should progress with you. However, many retirement planning instruments available are meant for the earlier stages. [...]

It’s a key question when it comes to planning your retirement or setting a financial goal, and you will find it hard to get a straight answer. You need to take into account your current and [...]

There are so many issues that trigger us as Singaporeans, that it’s hard to keep track of things. Taxes, ERP, CEOs, health… The list seems to go on and on. But let me get real with you on [...]

I am writing this column on a plane, on my way back home from Mauritius, having just finished 3 days of speaking engagement to a group of financial services people there. I have always enjoyed [...]

Over a business lunch recently, one senior gentleman was relating to me on how his private banker tried to sell him a financial product. It was an equity-based investment meant to give a certain [...]

A common question posed to me at conferences and panel discussions is: “Can we retire in Singapore?” It seems that many Singaporeans are worried that they can’t. So what does it take to retire in [...]