There is no need to worry so much about retirement. As long as you can afford to buy a cheap 3 room HDB BTO flat and pay it up, you can retire comfortably. Make sure your CPF SA is enough for you to choose the CPF Life scheme which is enough for you and wife.

How to retire at 65

1. HDB flat paid up
2. CPF Life gives you $2k pm per person ($4k pm for a retired couple)

Plan your retirement activities well. You can do volunteer work at old folks homes, join activities in the community, take up hobbies, go short trip holidays, learn to cook, and many more things to do. Do your own house work and chores. Exercise and keep fit.

For high flyers, they can retire earlier than 65 if their condo is paid up and they have enough retirement income before 65.

How to retire at 55

1. Condo paid up
2. From age 55 to 65, must have passive income from investments to fund their daily expenses
3. CPF Life from age 65 onwards


Some highly successful high flyers such as top bankers and good entrepreneurs can retire in their 40s.