At age 55, excess funds in CPF after deducting for CPF-RA (to fund CPF-Life)
From age 62, Supplementary Retirement Scheme
From age 65, CPF Life
And throughout, complemented by passive income streams from ...
Savings accounts - interests (<0.5%)
Money market funds - interests (0.5-2%)
Savings account with special/high yield - interests (1.5-2.5%)
Shares - dividends (3-4%)
Preference Shares - dividends (4-6%)
REITs - dividends (5-7%)
Bonds - coupons (4-6%)
P2P Loans - interests (12-25%; effective interest is lower due to defaults)
Blogging income - click-ads (pathetic)
Additional sources with constraints ...
CPF-OA - interests (2.5-3.5%; subject to policy changes)
CPF-SA/RA/MA - interests (4-5%; subject to policy changes)
Everything starts to look more interesting as age creeps towards 55.
