It depends on the use of the private property. If it is meant to be housing for yourself, then you do not need a HDB flat. However, if it is for investment purposes, then you should have another property to stay in.
Unless you are buying a large landed (freehold) that can be passed on for generations, I feel that there's no point getting private property. The extra premium could be saved and invested for actual use during retirement.
It depends on the use of the private property. If it is meant to be housing for yourself, then you do not need a HDB flat. However, if it is for investment purposes, then you should have another property to stay in.
Unless you are buying a large landed (freehold) that can be passed on for generations, I feel that there's no point getting private property. The extra premium could be saved and invested for actual use during retirement.