Personal Finance
Retirement Planning in Singapore: The 3 Things You Need (And Why CPF Builds Them)
By Turtle Investor  •  August 1, 2026
Retirement isn’t only for the old Most people picture retirement as something that starts at 65, on the last day of a long career. I don’t see it that way. I was ready to be semi-retired before 40. Retirement isn’t the endgame, but life with fewer alarms. The real question was never “when do I stop working.” It’s more like “what does enough look like, and what do I do with the freedom once I have it.” I see this in myself, and in my parents as they navigate theirs. Retirement planning sounds like a huge, complicated topic. Endless calculators, scary million-dollar targets, advice from people that contradicts itself. Strip all of it away and it comes down to three things. What is the “Retire” pillar? Retire is the sixth pillar of personal finance, and it’s the destination the other five build toward. This hub covers what a retirement actually needs, how the Central Provident Fund (CPF) quietly builds...
Read the full article
By Turtle Investor
Hello there! I am Kevin and the author behind the Turtle Investor blog. At age 37, I hit CPF Full Retirement Sum (FRS) of $176,000 on the last day of 2019, twelve years after graduating from university. I am married and owns a 4-room apartment. I continue to be gainfully employed to build up my portfolio and provide my loved ones with better lives. Leaving everything behind and transitioning to a digital nomad life in Bali remains an option but not something that I’m actively pursuing now 🙂
LEAVE A COMMENT
LEAVE A COMMENT

Your email address will not be published. Required fields are marked *

*

Your Email Address will not be published
*

Read More Articles
More from thefinance