Here’s a question worth sitting with: if 73% of Singaporeans expect to keep working past the official retirement age¹ — and among high-income earners, nearly half (48%) say it’s not by choice — working longer out of financial necessity rather than preference² — what does that tell us about how well we’ve actually planned? It tells us something bigger. Singapore doesn’t just have a retirement savings challenge. It has a retirement confidence challenge. Increasingly, people aren’t asking, “Will I have enough money?” They’re asking, “How do I know if what I have will actually last?” That’s the retirement confidence gap. And it’s widening across every income group. The Retirement Confidence Gap Recent surveys make this uncomfortably clear. Together, these numbers paint a clear picture of Singapore’s retirement confidence gap. People aren’t necessarily short of savings. They’re short of certainty. They have CPF. Investments. Insurance. Property. Yet many still don’t know whether those pieces add up to a retirement...