How should I plan my retirement if I am self-employed, with an annual income of $150k?

At least CPF seems one solid pillar.

Self investing is exposed to risks difficult to predict.

Diversify your income streams and Your asset allocation.

Try not to invest into unit trusts/mutual funds, they mostly are

underperformers and have much too high fees with very

rare exceptions.

some ideas without guarantee here:

https://seedly.sg/questions/what-is-your-genera...

If I may add.

1) Keep 6 months of your monthly income as an emergency fund. This can be in a high interest savings account or SSB, but the point is pure liquidity.

2) You have an investment horizon of about 30 years till retirement. You should be investing most of your money and looking to grow it at 6-10% per annum. Calculate your existing asset allocation growth %.

3) You can start investing your CPF and SRS monies into globally diversified funds with a 70% equity and 30% fixed income split. Adjust your fixed income percentage with your age every 10 years or so.

4) Invest excess cash after your CPF and SRS contributions into a similar portfolio.

5) When you start hitting your 40s, move some of your money into guaranteed sources of income that pays out coupons or dividends like annuities or REITS.

6) If you're self employed, your income may or may not be consistent, make sure you protect your downside as well with enough income disability insurance (70% of monthly salary), and Critical Illness insurance (3-5 X Annual Income).