A recent comment by a reader with a predicament led me to searching the internet for possible solutions. While unsuccessful, I came across an info-graphic by HDB which I find very good. So, I am sharing it here: "If I sink my money into my flat, how will I be able to retire comfortably?"

Source: HDB Speaks.

I also wish to say that if we do the right things, we could possibly retire a millionaire without ever having to monetise our HDB flat. See: ......