If you’re following CPF Board’s social media accounts, you will realise the mantra “working hard for your golden years” being included in many visuals and social media postings.

In Singapore, the Central Provident Fund (CPF) is a compulsory comprehensive savings plan for Singaporeans to fund their retirement. While it provides a safety net for Singaporeans to have a stream of income when they retire, it may not be enough to tide a person through retirement, especially with some elderly Singaporeans falling through the cracks.

A few months ago, I was sitting in a swanky oriental-looking bar along Emerald Hill, having a beer with my ex-professor. At that time, we talked about retirement, and how a