Read? Work Less and Gone Fishing Planning Room (5) Next month, I will have the option of unlocking my CPF money for more investment or retain them in CPF for 2.5% compounded returns. I have been thinking very hard on few options for retirement planning. What is the best for me to meet my future investing goals and money plan to fund living, medical and health care expenses; and emergency fund for unexpected expenses. I clearly understood that one of the biggest fears or risks in my retirement is facing a prolong bear market. If the passive income from stock dividends is not enough and I will have to sell stocks in a falling market to make up for it. I will risk depleting my investment portfolio by selling at market low and by locking in negative returns it may be bad outcome for portfolio recovery at the next bull market. To minimise fear or risks in the next few bear markets in ......