Cost of living is too high in Singapore and most people use the majority of their savings and CPF funds to purchase a house, leaving little saved for retirement. Proper retirement planning is important to ensure financial security and independence in retirement through a diversified portfolio that includes retirement endowments to guarantee income. Seeking advice from financial experts can help develop strategies to take control of retirement savings and protect against risks from other asset classes.

1. Cost to livingCost to living
too hightoo high
Most savingsMost savings
and CPF usedand CPF used
to buy houseto buy house
40% have not saved adequately!
Standard of living is in comparison to your peers!

2. CPF is not enough for retirement!

3. some inflation in our lives!!
!!
!!
!!
!!

5. What that means for us!
- Our basic retirement money from CPF LIFE just
keeps getting delayed!
- Our total retirement amount may
require more than you think!

6. • Financially more secure vs your peers!
• Financial independence and financial
capability to invest in children!

7. Planned retirement built properly?
• Fully control when and at what standard is
you retirement!
• Create a cheque for life with a proper
retirement endowment plan!

8. Problems of other assets?
• Stock/share dividends can be diminish if the company performs
poorly and monitoring them require financial savviness!
• Property rents can have periods with $0!

10. Best ideas with 300%,400%,500% returns!!

11. Take control of your
paycheque for retirement!
When you are ready and want to see solutions,
Drop an email to
joshconsultancy@gmail.com or call me at:
90060446!
Promise me that you will consider hearing some of the
ideas I have!