I don't need much so will be conservative 

While much of the market focuses on high-growth stocks and trending sectors, I’ve chosen to hold: TLT: the iShares 20+ Year Treasury Bond ETF iShares 20+ Year Treasury Bond ETF (TLT) TLH: the iShares 10–20 Year Treasury Bond ETF iShares 10-20 Year Treasury Bond ETF (TLH) Yes, they’re bond ETFs. No, they don’t double overnight. And no, they won’t make you the next investing TikTok star. But you know what they do give me? A sense of calm. A cushion of consistency. And every month, they deliver something I’ve grown to truly appreciate: dividends. Monthly Dividends: A Quiet Kind of Joy Let me be clear, the dividends I receive from TLT and TLH aren’t going to buy me a Lamborghini. They’re not life-changing. But they’re there. Month after month, like clockwork. iShares 20+ Year Treasury Bond ETF

Not too long ago, DBS Bank suggested that you’d need around S$550,000 to retire in Singapore. A solid number, perhaps, for a lean and modest lifestyle in a city known for high costs and sky-high property prices. But fast forward to now, HSBC’s recent report reveals something startling: wealthy individuals in Singapore believe they need S$1.87 million to retire comfortably. That’s a staggering 3.4 times more than the DBS estimate. It begs the question: What is “enough” for retirement? Retirement is Personal: My View on the Numbers S$550,000 or S$1.87 million? What truly matters is how we define retirement and what we want our retirement lifestyle to look like. Personally, I think how much one "needs" to retire is as much a mindset issue as it is a financial one. Money can be infinite — ther

Unsure about Singapore, I aim to save $3.8mil & withdraw 4% annually to have a basic retirement in NZ. With an estimated annual income of $150k, this allows us to live comfortably. *The Idea:* Withdraw 4% of retirement savings annually to cover living expenses, without depleting portfolio over time *Assumptions:* - Retirement savings are invested in a diversified portfolio, such as a mix of stocks & bonds - The portfolio generates returns, such as dividends, interest & capital gains - withdraw 4% of the initial portfolio value each year, adjusted for inflation *Benefits:* - Provides stable income stream - Allows us to maintain a consistent lifestyle - Can help us plan expenses *Caveats:* - The 4% rule is based on historical data & may not perform well in all market conditi

The real retirement crisis isn’t the amount you need - it’s that traditional retirement is dead. Everyone’s debating S$550K vs S$1.87M, but I think we’re asking the wrong question entirely: “Retirement” is a 20th century concept that makes no sense in 2025. The idea of working 40 years then stopping completely was designed for industrial workers with 10-year post-retirement lifespans. Now people live 30+ years after “retirement” with rapidly changing skill requirements. The binary work/retirement model is obsolete. Singapore’s wealth inequality makes these averages meaningless. The S$550K figure assumes you’ll be content living like a struggling retiree, while S$1.87M assumes you want to maintain wealthy lifestyle. But the real issue is that Singapore’s cost structure is designed to extrac

💥 S$550K enough? Or do you really need S$1.87M 😲 to retire “comfortably” in Singapore? That’s a 3× gap — so who’s right, and what’s your number? 💭 📊 Two Retirement Numbers, Two Realities S$550K is often cited as a baseline number — it assumes you own your HDB, live modestly, and draw down CPF LIFE + cash flow. But wealth surveys peg the “comfortable” figure closer to S$1.87M, factoring in travel, private healthcare, and inflation-proofing. The gap isn’t a contradiction — it reflects different assumptions: mortgage-free vs. still paying, solo retiree vs. family support, low-cost hobbies vs. overseas trips and fine dining. 🔍 What’s Driving the Gap? 🏠 Housing: Are you fully paid up in an HDB flat, or still servicing a condo mortgage? That affects your cash flow and capital needs. 🍽️ Lifestyle

Dreaming of a carefree retirement in Singapore? The numbers might make your head spin. DBS Bank’s “Life After Work” report, analyzing data from two million customers, pegs S$550,000 as the baseline for a “conservative” retirement, while HSBC’s 2025 Affluent Investor Snapshot reveals that wealthy Singaporeans believe S$1.87 million is needed for a “comfortable” retirement—a jaw-dropping three-fold gap! Why such a massive difference, and how much do you really need to secure your golden years? This report dives into the contrasting retirement targets, explores the reasons behind the divide, and offers actionable strategies to build your nest egg, whether you’re aiming for modest or luxurious. The Retirement Savings Spectrum DBS Bank: S$550,000 for a Modest Retirement

I feel a couple needs 2 to 3mil in cash to retire comfortably in Singapore.

Possible that S$550k is good enough to retire in SG for ordinary folks if in good health. Otherwise, any unexpected health issues will be very costly. Consider buffer for extra costs if need a helper or stay in nursing home or pay medical/hospital bills.

Replying to @1PC:You have the potential to achieve more when you set your sights on a bigger dream. //@1PC:$550k vs. $1.87million for retirement ...  I believe to live within the means & any extra will be Great . I'm an ordinary folks 😎 , will aim for the $550k mark ❣️ first and work up from there Maybe 🤔 NVDA 📈🚀 break 180++...200++...220++ and Away will help @Shyon @koolgal @yourcelesttyy

I think one will need $3M to retirement. Inflation is being brought about by greed and if u don’t believe , u will be left out in the dust ! Just don’t lose yourself in the way and always reflect yourself on it . ❤️🌹🙏🙏🙏

For me I think 1.1m to 1.5m is enough for me to retired cos I live with a simple life. @Tiger_SG

I agree with the benchmarks set by the 2 banks. The retirement sum that one needs really boils down to the lifestyle that one would require. $75 a day would be enough for the ordinary elderly if they only pay for food, not extravagant utilities like long hours of air conditioning and minimal leisure. $200 utilities per month still leaves almost $50 per day, $15 for food and that leaves $35 for simple leisure like going out with friends. The affluent wants overseas trips which has no upper limit because it depends on how well and comfortable one wants to do it and the number of trips. The main thing is legacy funds. A good man leaves an inheritance for his descendants. I think the real dealbreaker would be the health of the person. Healthcare is extremely costly and can quickly use up w

🌟🌟🌟Retiring in Singapore is like playing mahjong with inflation, healthcare and lifestyle expectations.  I do not need to win every round but I need just enough to stay in the game. I see myself as a middle class Singaporean.  I normally cook at home but sometimes treat myself and my family to nice mid range restaurants like Din Tai Fung and Penang Place.  I love to travel but keep to economy class airfares, and mid range hotels. I love to hoard my CDC vouchers and spend them carefully. I dream of retiring early but know that it is important to invest wisely in dividend stocks, Index ETFs and REITs to build passive income. My target - SGD 1 million in savings using 1M65 as my CPF benchmark. Retirement in Singapore isn't about hitting a magic number.  It is more about c

Take a note on Warren Buffett retirement as a goal   

$550k vs. $1.87million for retirement ...  I believe to live within the means & any extra will be Great . I'm an ordinary folks 😎 , will aim for the $550k mark ❣️ first and work up from there Maybe 🤔 NVDA 📈🚀 break 180++...200++...220++ and Away will help @Shyon @koolgal @yourcelesttyy @Shernice軒嬣 2000 @Barcode

I don’t think $1.87 million is sufficient to retire with dignity as inflation is a killer. Everything has gone up.. food, housing, transportation etc etc. Nothing is as cheap as pre COVID time. Hence we need to invest early to growth our wealth. Let the money works hard for us. Of course, at times, we need to reward ourselves for the hard work we had done. Travelling, concert etc - whatever that makes us happy. @MHh