Hi. I am 45 years old, and looking to retire at 55. I have $300k cash savings now ($100k in SSB), with no debt. What should I do with the remaining $200k?

Have you considered maxing out your SA in CPF now? The compounding interest upon your retirement can put you on the enhanced retirement scheme (ERS) of CPF Life which pays out $2k+ after 65.

Never annuity! Since u r cash- rich :

Metro -

has 2 bonds, namely the S$150m METRO 4.000% 25Oct2021Corp (SGD) and S$200m METRO 4.300% 02Apr2024 Corp (SGD). At the indicative ask prices of 100.19 and 99.13, they carry ask yields to maturity (“YTM”) of 2.98% and 4.56% respectively.

u definitely can cough out 250K!