I must be S'pore most super kiasi guy. Don't dare invest in share nor property. Wife also convinced by me to be kiasi. Whole life keeps money in FDs and CPF. Only buy HDB for own stay.

Seen FDs rates fall from 8% in 1980s to 1.6% nowadays. Very pek chek.
Cash in FDs, single premiums ins., endowment etc : $1.9m
CPF : $1.5m (all in)

Yearly "returns"
Interest : about $30k per year
CPF interest that we can draw out : $20k per year

Was looking forward to retire and just depend on interests, but with this kind of pek chek interest, very tough. If interest go back to 8%, Ho seh liow - 150k, eat also cannot finish