This is actually a short proposal to my dad on extending his retirement savings by investing it. He has two concerns, namely: Wanting to pass on as much wealth to the next generation Yet having sufficient funds to cover his retirement where required The solution needs to be passive/hands-free except when withdrawing, as he is not interested in active management. Might be looking at lump sum instead of a regular savings plan for about 10 years before the drawdown starts. I also have to find something hassle-free and low cost as fees would eat into the funds available. In regards to returns, some obvious ones: CPF Returns must beat the 2.5% CPF OA Cash must beat fixed deposits and Singapore Savings Bonds Other conditions: He will work until retirement where possible so there will be some CPF contributions and income to support He has achieved the Full...