If you want to invest for retirement, you are facing an uphill task. Most investment strategies will never help you reach your retirement goals. The reason is simple, they are investment strategies, not retirement strategies. You need to understand that investing for wealth and investing for retirement are not the same thing.

I wish I could tell you that you can just leave your money in pension funds like CPF Life, or put your money in some low-cost Exchange Traded Funds (ETFs) and live happily ever after, but it is often not the case.

To achieve a comfortable through investment, you need an investment framework that can generate sustainable retirement income.

Before I start, I will share with you a story.

Many years ago, in a far-away country, a farmer offended the King. The King sentenced the farmer to death.

The farmer pleaded for the King, “give me five