Most people think retirement planning is about one question: “How much money is enough to retire?” But that is only half the issue. An important question to ask yourself is: “What can go wrong after retirement — and what’s the plan?” During the working years, mistakes can often be repaired. If markets crash, income is still coming in. If inflation rises, salary may eventually adjust. If a portfolio underperforms, there may still be time to rebuild. In retirement, the margin for error is smaller. That is why retirement planning should not be framed only as a “magic number” exercise. It is about whether the retirement plan is resilient enough to survive the things that can go wrong. And for Singaporeans, the issue is more nuanced than simply saying: “Singaporeans have not saved enough.” This article was written by a Financial Horse Contributor. Singaporeans are retirement-aware — but execution is the hard part Recent survey findings reported by CNA show that many Singaporeans...