It’s a rainy Saturday morning and afternoon here in the East side of Singapore. My wife and I just had lunch. Will walk around for a bit before heading home to rest and get ready for the wedding dinner tonight. Always nice to catch up with relatives we haven’t seen for a while. Before that, I thought it would be good to write about a topic I haven’t touched on in a while. To be fair, I have mentioned our Central Provident Fund (CPF) balances as retirement funds in passing in some of my recent posts.

But it’s time I revisited how the CPF balances fit into our overall strategy. Maybe just a few key points first based on current rules and regulations. Note that these are expected to change over time.

  • My wife and I will turn 55 years old in about 25 years time. This is still a …