You both had a good life, traveling around the world. Your household income is very good, above the median household income in Singapore. Since you are debt free, you should not have much worries. Your flat is an asset you can monetize when you retire. Be careful of property agents telling you to invest in rental property, nowadays difficult to get tenants due to oversupply of properties. If more FTs are not allowed to work here, your condo can be empty for years. I think buying good global blue chips which gives you 6% dividend yield may be a better idea. More liquid also.