I want to start with someone I call Linda, because I think you may recognise her. She is 55. She works hard, saves diligently, and she does not like investing. In fact, she has tried her hand at some stocks and investment funds but often got it wrong. Markets are volatile, she says, and she is not wrong. Hence, she keeps a large buffer in the bank, just in case. Ask her how she feels about retirement, and she will tell you she is not too worried. She has her CPF. She has her savings. She is still working. She should be all right, but she is just unsure. As a practitioner in retirement planning, I have learned that the difference between feeling all right and being prepared is significant. So, I want to walk you through a real planning exercise we did for Linda. Her name is not real, of course, but her numbers are relatable. What Linda Has Done...