Also a Single, I asked a similar question before. I tried to approach this from the areas I'm worried about after retirement and then try to settle them 1 by 1. Accomodations was the first thing that I worried about for retirement. Unless you will be inheriting a house from your parents (no siblings, otherwise might need to pay them their share of the house), you probably want to make sure you at least have a roof over your head when you get old. As a Single the cost of this item will also be higher than most people. (single income, if HDB you get less grants & non prime locations if you want cheaper, brand new homes) It will probably be the biggest investment for most Singles. Second item I'm worried about is health and all the costs involved if anything happens. This I try to cover with insurance plans. (I actually covered myself with CI Plan for extra 5 more years then what my agent suggested.) This item is actually relevent even before retirement. Third will be Living Cost, how to ensure I get regular & sufficient money for Daily Living after Retirement. 1. I got a retirement plan with insurance company, (also planning to top up my CPF to maximise future payouts) 2. Invest in bonds & dividend stocks & funds. 3. I've also considered the potential to rent out extra room in house for extra income, if I really need in future (house location will affect the amount you can get) Last will be Wealth Accumulation, basically how to make my life even more comfortable (can be for now not necessarily for retirement only) This is the one giving me headache now, how to get more money. Actively studying investing now, actually got more stingy with myself, to save more for investing. Almost forgot, need to ensure got sufficient cash on hand to ride out market uncertainties, especially after retirement. I've also considered renting out my extra room NOW to get extra cash, can't bring myself to to this yet. My target is financial independence by 45, so only a few years left. Idea is to generate enough passive income to pay for my daily survival expense, so my salary from work can be extra cash for making my life better, paying for luxuries, etc.