Building up my retirement fund

Fds, t-bills, Maribank

An underutilised low-risk method of enhancing your retirement fund is Annuity Insurance, which offers cash payouts that complement the monthly payouts from CPF Life.
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CPF Life: If you are a Singapore citizen or permanent resident, born in 1958 or after, and have at least S$60,000 in your CPF Retirement Account (RA) when you start your monthly payouts, you’ll be automatically included in CPF LIFE. The first critical milestone arrives when you turn 55. At that age, your retirement sums are locked in. You can opt to set aside the Basic, Full or Enhanced Retirement Sum, which determines how much your monthly payouts will be when you turn 65.
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Annuity plan: A type of endowment insurance plan which provides a steady stream of income starting from your selected retirement age for a fixed period of time, or for as long as you live. The retirement income will usually comprise a guaranteed component and non-guaranteed component – which will depend on the performance of the participating fund.
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You can also check out these guides on How to Prepare for Retirement and 5-Step Plan to Investing for Retirement.

Doing good. Jia you

You may want to consider dividend ETF or dividend equity asset that allows compounding effect. But you need to start planning your current expenses, do a spreadsheet to calculate the estimated figure you need to maintain in order to sustain your current lifestyle (factor in things like inflation rate etc 4-5%).

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After understanding the figure that you need to maintain your lifestyle, then you look into asset classes and their estimated return in terms of dividend or capital gain. Don't forget to factor in CPF, it can be use as a emergency backup