....  Some of the happiest middle-aged people I have encountered are those who have planned creatively for other options later in life...  But it is the way they manage their finances that intrigues me. Rather than continue to accumulate assets, their chief priority is to preserve whatever they possess and allow the magic of compounding to grow their assets. Reflecting on their experience, one major decision now that I have reached the threshold of autumn myself is to change the manner I invest in order to enhance my financial well-being. What simplifies matters is that I have no outstanding loan to pay off, so the objective is to ensure that capital preservation takes precedence over merely aiming for a high investment return. In the end, I find that the Central Provident Fund is the best option in offering me financial security while giving a level of return I am comfortable with, unless inflation takes off in a big way......