According to a recent survey by Aviva, the Consumer Attitudes to Savings (CAS) study, it showed an increasing concern over prospects for retirement. About half felt that they will not have enough money when they retire to provide for an adequate standard of living and will have to work beyond the normal retirement age to fund their retirement. I believe this is mainly due to an awareness of the importance of planning for retirement. Previously, many would think that retirement is taken care of by having children and their CPF. However, now, the cost of living has been increasing exponentially with inflation stubbornly high. They are starting to fear that in addition to trying to provide for themselves, they may even need to provide for their children to give them some head start in life. This has been termed, the sandwich generation. They are worried and rightly so. To make ......