How to plan retirement if save cash in high interest saving account instead of invest in share?

I read this somewhere from a book and it has stayed with me: it's okay not to invest if you really have a low risk appetit but this means that you have got to save more aggressively than the typical person

Generally, when one is looking at retirement, have to look at the lifestyle that u desire. Then, when do u plan to retire? Because u can keep on working as long as u want/can/need.

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Then what's your current age? Because if u are nearing your desired retirement age, would your CPF payout alone be enough? Then, how high is your "high interest"? Because generally it might not stay for long. If it doesn't stay "high" for long, then u might risk inflation chipping away at your money value.

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So, best case is to provide more information, talk to more ppl about it or professionals, consider all the cases and see if that's the only way.

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Otherwise, feel free to reach out to me to hv a small chit chat.

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All the best!

I think you will need to ask whether you will still want to work or is it plain vanilla retirement where you will rely entirely on your coffers.

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Find additional streams of incomes if employment income is your only source. Build passive income also side hustles that you enjoy for longevity purposes

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Not sure retirement in your context means age 65 or before. But for retirement, I will look at CPF accounts as well as assets one owns. Based on your age, check or plan whether you have reached Full Retirement Sum/ Enhanced Retirement Sum and complement the amount with your assets/ cash. Plan first, based on inflation whether the monthly payouts when you are age 65 is sufficient and then complement that with cash.

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If you have a property, note the mortgage amount, the balances. If you have cleared this i.e. paid off your mortgage with HDB or bank

then I think you have one big less worry.

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Depends on amount of money u have, what lifestyle u want to have and finally, how much risk u are willing to take.