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Retirement planning does not have to be complicated.  
Build a resilient retirement plan, with CPF as your foundation.

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Why Do We Need To

Plan for Retirement

The rules of the game are changing

We are living longer and the official rules around retirement are shifting to keep up. Careers are less stable and our income might not be as steady or predictable as it was for past generations.
We need a personalised financial plan to make sure we are covered no matter what the official rules are.

You may not have a choice on when you stop working

While we may prefer to keep working, the choice isn't always up to us.
Our health might decline, our employer might let us go, or industry changes might make it hard to find a job on our terms. Planning ahead ensures that if we are forced to stop working, we are financially safe.

To avoid running out of savings

A good retirement plan protects you from running out of money later in life. Without a proactive strategy, your retirement savings may be exposed to three key risks:

Longevity risk – When you outlive your nest egg.
Healthcare risk – Medical needs increase as we get older, and a single healthcare episode can quickly drain years of savings.
Inflation risk – Rising living costs steadily reduce the purchasing power of your savings.

You may not be making full use of CPF

CPF provides us with a strong reliable foundation for our retirement. But for many Singaporeans, a large portion of CPF savings go into housing, leaving the actual portion allocated for retirement surprisingly low. We need to intentionally build up our CPF retirement income layer, while growing other assets.

MoneyOwl’s Philosophy on

Retirement Planning

Throughout our working life, we’ve been trained to save, invest, and watch our wealth grow. But retirement requires a complete mindset shift. The skills we used to build our nest egg are completely different from the strategies needed to make it last. True retirement success isn’t just about saving a massive lump sum—it’s about safely turning that money into a steady paycheck for the rest of your life.

We have three must-haves needs in our lives that continue throughout retirement. A home, savings to meet healthcare needs, and income for daily living. CPF provides for these three needs through the three CPF accounts. While national schemes provide a base, we should take intentional steps to enhance each of these to meet our lifestyle expectations.

See how your needs are covered

Taking Stock of

Our Retirement Assets

To build a resilient retirement plan, we need to take stock of our retirement assets. For most Singaporeans, retirement wealth is spread across three main categories:

CPF Savings

Cash & Investments

Property

How Does Your

Portfolio Measure Up?

No single asset is perfect. To ensure our retirement plan is truly resilient, we assess them based on the MoneyOwl’s framework of Sufficiency, Safety, and Flexibility.

Sufficiency (Beating Inflation & Longevity)

Will our overall wealth fully meet our retirement needs, keeping pace with inflation over a 20- to 30-year lifespan? Level CPF LIFE payouts will not be able to keep pace with inflation. Investment drawdowns are based on the 4% rule, adjusted for inflation, or the CPF LIFE Escalating Plan to keep pace with rising costs of living.

Safety (Stability of Income)

Does our portfolio provide a guaranteed source of income that we cannot outlive? CPF LIFE payouts and cash drawdowns scores the highest here, offering capital guarantee and risk-free payouts. Investments and property, on the other hand, carry market risks and do not offer the same ironclad guarantees.

Flexibility (Access to Cash)

If we face a sudden medical emergency or want to fund a large purchase, can we extract a lump sum anytime? Cash and investments shine here because they are highly liquid. Conversely, CPF retirement balances rank low on flexibility since the funds are committed to the CPF LIFE annuity for monthly payouts. Similarly, property is highly illiquid because it can take months to sell or monetise a home and we cannot sell a property in parts.

Take The Guesswork Out

Your Retirement

Stop guessing and start planning.

Use our interactive tool to calculate your current assets, model a personalised drawdown strategy including CPF LIFE payouts, and discover actionable options to optimise your income for the future.

Try our Retirement Income Builder

Disclaimers

The information presented here is provided for general informational purposes only and does not constitute, and should not be construed as, investment advice, recommendation, offer, or solicitation to subscribe for, purchase, or sell any securities, units in a collective investment scheme, or other financial instruments. No consideration has been given to the specific investment objectives, financial situation, or needs of any person.

While the Company has taken reasonable care to ensure the accuracy of the information contained herein, no representation or warranty is given, and no liability is accepted, for its accuracy, completeness, or currency. The Company shall not be liable for any loss or damage arising, directly or indirectly, from the use of or reliance on the information provided on this website.

The Monetary Authority of Singapore has not reviewed or endorsed the contents presented here.

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