Besides CPF, what is a good starting ground for retirement for someone in their early 30s?

1) work out how much you want monthly

2) select instrument that generate sufficient cashflow that can cover your expenses.

• you may create a dividend portfolio, if your capital Is big enough the dividend should be sufficient

• Create a growth portfolio, when it reached certain amount that is sufficient. Then sell off portion for the monthly expenses

• Alternatively, get married ASAP, get an 5rm BTO. Rent out rooms. While using CPF to pay the mortgage.

• buying/selling your property, for cap appreciation, while collecting rental (living with ur parent). However, bank will only loan you $$$ if u have a job

CPF is your foundation for retirement. On top of CPF, you should look into investment since you have a long time horizon.

Before you rush into investment, you do want to save up an emergency fund, typically 6~12 months income/expenses. For a first time investor, you may want to consider investing in passive index ETF (e.g. S&P 500 ETF) or thru robo advisors. And you want to learn about investing along the way and perhaps take a plunge into stock market with a small allocation of your overall portfolio.