Hi ,

Here's a startling reality: Nearly two-thirds of Singaporeans worry more about running out of money in retirement than other life concerns, yet half of our retirees have no systematic plan beyond their CPF payouts.

While CPF provides a solid foundation, most retirees I have spoken to don't follow any structured withdrawal plan for their supplementary savings.

You can't just reach 65 and rely solely on CPF LIFE payouts, with Singapore's high cost of living and increasing longevity, you need more than the basics.

CPF LIFE provides basic coverage, but lifestyle expectations have evolved.

Most importantly, healthcare costs are rising faster than CPF adjustments.

The Three Phases of Retirement

Most retirees experience distinct spending patterns:

🌟 Early Retirement (62-70): "Travel & Explore" Higher spending on delayed travel plans, family visits, and active hobbies

🏠 Middle Retirement (70-80): "Settled Routine" Moderate spending with established local routines and reduced travel

🏥 Later Retirement (80+): "Care-Focused" Healthcare becomes primary expense, often requiring domestic help

The Challenge: CPF LIFE gives you predictable income, but it can't adapt to your evolving needs - from active travel years to healthcare-intensive later life.

Your Hidden Retirement Assets

Many Singaporeans have significant wealth they're not optimizing:

✅ SRS Accounts - Tax advantages from age most people ignore

✅ Property Wealth - HDB lease buyback and monetization options

✅ Investment Portfolios - Sitting idle without withdrawal strategies

The Cost of Not Planning

Without a comprehensive withdrawal strategy, you risk:

• Running out of money in your 80s when healthcare costs peak
• Over-saving and missing out on enjoying your healthy years
• Inefficient tax planning that costs thousands annually
• Family financial stress during medical emergencies

What's Next?

In our next email, we'll reveal:

• The "4% Rule" adapted for Singapore's unique context
• How to build a dynamic withdrawal strategy that works with market volatility
• SRS optimization techniques that can save thousands in taxes
• When to seek professional help

Ready to go beyond CPF? Hit reply and let us know your biggest retirement concern.

We read every response and use your feedback to create content that matters.

P.S. Don't wait until 65 to start planning your withdrawal strategy. The earlier you plan, the more options you have. The later you wait, the more limited your choices become.

This email is part of our Singapore Retirement Planning series. Forward it to anyone who could benefit from strategic retirement planning.

Best Regards,

Zest Chia

Executive Wealth Consultant | Associate Estate Planning Practitioner |

Licensed General Insurance Advisory

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