2 key retirement assets are our

1. HDB flat
2. CPF Life

When you got married, buy a HDB BTO flat. This is a highly subsidised public housing programme, the best in the world. It is a no brainier to buy a BTO flat because the price is lower than the resale flats around the vicinity. Which means you already make money from Day 1 when you got your keys. After 5 years MOP, you can sell at a profit and use it as down payment for a private condominium. Or you can just stay there and clear your mortgage fast. With no mortgage, you can sleep peacefully at night.

For CPF Life, you should target for the Enhanced CPF Life scheme as it gives the highest payout at 65. Keeping money in CPF is the best risk free investment. Don't try to get rich quick by putting your hard earned money into scam schemes which promise high returns. Don't be scammed.

When you retire, you can rent out your empty rooms, for $800 per room. So, for two rooms, you get $1600 pm. Your CPF Life will give you $3600 pm for a retired couple, so in total your passive income will be $5200 pm. If you live humbly, eating hawker food and don't own a car, this amount of passive income is very good.

If you want to live in luxury, living in a bungalow and drive a car, you can retire overseas. Rent out your flat for $2500 pm and plus your CPF Life payment of $3600, you get $6100 pm. Convert to RM and you get RM17k pm. You can rent a bungalow and drive a big car in Malaysia with this income. With spare change to travel the world.