Thanks, I understand where you coming from, take advantage of the CPF SA. 4%, Would benefits esp once reaches 65 years old

The Delimma I am having now is within these few years before I turn 55, I have to invest in a 2 Rm bto flexi b4 the funds get lock in for retirement, hence there is a shortage of cash involved. That's the most concerned part

Investment carries risk, doesn't necessary carry returns esp now trying hard period
Never heard abt robo advisor much, how it works? Or any advise any investment performing steadily during these period for my reference?