Sadly, news headlines have been carrying harrowing titles relating to salary cuts and retrenchments.

During such tough times, it’s natural to worry about whether you can ever enjoy a stress-free retirement.

With the cost of goods rising every year and a sharp downturn hitting Singapore, prospects for a comfortable retirement look bleak.

Fret not, though, for there is an effective way to build up resilience during downturns.

This method involves investing your money into strong companies to achieve both long-term capital appreciation and a steady stream of dividend income.

Investing is a tried and tested method that can grow your wealth over and above the inflation rate.

Leaving your money in a bank account will cause it to slowly erode as banks are paying very low-interest rates.

There are a variety of different investing methodologies out there, such as growth investing, value investing and income investing.

We feel that income