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Anonymous

1d ago

∙

55M, $120k in CPF (OA+SA), $40k cash/investments & mortgage with 10 years left

My job feels uncertain, and I'm worried I won’t be able to retire by 65. What should I do?

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Debbie

7h ago

Focus on stability.

Review your expenses and mortgage to ensure you can manage if income drops. Check your CPF projections to see your likely payout at 65.

Keep your $40k relatively safe and liquid. If needed, consider working a few more years or reducing expenses. Prioritise cash flow and flexibility.

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Neo

17h ago

Why do you need to worry about retiring?

Why do you have to retire at 65?

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Alex Tan

20h ago

Perform a ground zero budgeting of the must spend vs optional.
Build up to BRS in CPF for reti...

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My mum is 49yo this year and is a kitchen helper earning around 1.8k per month before cpf deduction. OA - 11K, SA - 13K, MA - 12K Currently paying 711 for house with 15 years left (110k). What to do?

How do I maximise CPF for retirement beside topping up SA? My risk appetite: low~moderate. (Currently have OA:$105K, OA Inv:$120K; SA:$155K, SA Inv:$18K)

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During BTO key collection, can I indicate to pay the mortgage using CPF-OA funds but repay my CPF-OA using cash every month / year? Will there still be accrued interest if I repay using cash monthly?

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