You have to plan your own retirement. Don't let others plan for you.

Mid 40s
20 percent income on insurance products
Saving 40k per years
45 percent for family including parent allowance
20 percent into CPF and SRS fund

Mortgage is 400k. Believe in appreciation assets if Singapore becomes strong year on year
Think about retirement oversea as option because want children to have better education and start since Singapore is a better place.

No stock holdings however occasionally trade in and out to be better than CPF interest.