S$550K vs S$1.87M: 3x Gap! How Much Do You Really Need?

Previously, we discussed $DBS(D05.SI)$ Bank’s suggestion that S$550,000 is needed to retire in Singapore “S$550K to Retire in SG: Have You Planned Your FIRE Number?” and many tigers shared your own investment and savings plans for retirement. But now, a new report from $HSBC Holdings PLC(HSBC)$reveals that wealthy individuals in Singapore believe they need S$1.87 million to enjoy a “comfortable retirement.” To retire peacefully in Singapore, ordinary folks need to save S$550K, while the wealthy feel they need S$1.87 million. That’s a staggering difference — over three times more!

+ Follow

Mkoh

07-17

Key AssumptionsLifestyle Costs (per person, monthly):Basic: SGD 1,500–2,351 Moderate: SGD 4,000–6,000 Comfortable: SGD 6,000–10,000 Housing: Paid-off home (e.g., HDB flat). Rentals (SGD 2,000–4,000/month) would reduce sufficiency. CPF LIFE: Reduces savings need by SGD 300,000–600,000 over 25 years (SGD 12,000–24,000/year). Inflation-Adjusted Needs (25 years):Basic: ~SGD 799,000 (single) to SGD 1.6 million (couple) Moderate: ~SGD 2.13–3.2 million (single) to SGD 4.26–6.4 million (couple) With CPF LIFE (SGD 300,000–600,000), it’s just sufficient for a single retiree with a paid-off home and frugal living. Insufficient for a couple (SGD 1.6 million needed). Moderate/Comfortable Lifestyle: Far too low, covering only ~7–11 years at SGD 4,000–6,000/month (no inflation). Inflation makes i

Tiger_SG

07-17

S$550K vs S$1.87M: 3x Gap! How Much Do You Really Need?

Retirement Savings Show a 3x Gap!Previously, we discussed $DBS(D05.SI)$ Bank’s suggestion that S$550,000 is needed to retire in Singapore “S$550K to Retire in SG: Have You Planned Your FIRE Number?” and many tigers shared your own investment and savings plans for retirement.But now, a new report from $HSBC Holdings PLC(HSBC)$reveals that wealthy individuals in Singapore believe they need S$1.87 million to enjoy a “comfortable retirement.”To retire peacefully in Singapore, ordinary folks need to save S$550K, while the wealthy feel they need S$1.87 million. That’s a staggering difference — over three times more!🧾 What Retirement Looks

S$550K vs S$1.87M: 3x Gap! How Much Do You Really Need?

Leeskies

06-17

Setting up new SMSF account and depositing capital to start building towards my retirement gave me bonus reward. Maybe I can retire in SG one day?

Kenny_Loh

06-16

Singapore T Bills rate plunges, is S-REIT good option?

Singapore's latest six-month Treasury bill (T-bill) saw its cut-off yield dip to 2.05%, according to auction results released by the Monetary Authority of Singapore (MAS) on June 5. With yields trending lower, investors need to find alternatives for better returns. Refer to news on The Business Times here https://www.businesstimes.com.sg/companies-markets/latest-singapore-six-month-t-bill-cut-yield-sinks-2-05?utm_medium=social-organic Singapore REITs could be a compelling option, offering trailing twelve-month (TTM) distribution per unit (DPU) yields of up to nearly 10%, along with attractive discounts to net asset value (NAV). Ready to explore your options? Check out the Singapore REITs Screener here: https://reitsavvy.com/ #SingaporeREITs #alternativeinvestment #DividendStocks #High

Singapore T Bills rate plunges, is S-REIT good option?

TameLion

06-16

My retirement goal is S$100K income per year without me having to work a single day and without my principal being depleted at all.

MHh

06-15

My retirement goal is S$1.5-2million. S$550K is way too little. I recall the figure floating around has been S$1million for a long time. So, S$550K comes as a surprise. I think 3K per month is ideal. This would help to account for basic expenses, hobbies to spend time meaningfully with and also for travelling. This is also to account for the scary inflation. I save/ invest at least 30% of my salary to try to beat inflation. I think I am currently on track with my savings and investment to reach my target amount. Importantly, I try to ensure that while I try to have a good quality of life, I do not have overt lifestyle inflation and steward my money to have the maximal sum for retirement. It is always better to have more than less but also important to have a certain quality of life

Madscientist

06-15

Yes, our CPF savings might be our greatest savings for retirement but we don’t forget a big bulk will go to pay for our housing. Hence, we still need stable investments to sustain and build our retirement funds.

Success88

06-14

My retirement goal is 950k to 1.1m as now I have already CPF combine with saving and investment around 890K quite near to my goal already. The good thing is my hosing fully paid 😆 @Tiger_SG

BKLL

06-14

Forget the mindset of just saving. Better to target earning passive income enough for the lifestyle you want

Hertz赫兹

06-14

there isn't a number for retirement, the safer retirement is let monies earn monies for you with peace world, nothing much change and no war.

TCC1970

06-14

Not forgetting the assumption did not take into healthcare cost. If you try out the CPF website Health care financing planner, you will realise that as one aged, the MediShield premium will increase at a rate of about 9% every year. Hope the projection is on the high side while the actual increase in premium is lower than 9%.

limnorth

06-14

Targeting to have the median monthly income as the benchmark during my retirement years.

Tigerwong

06-14

My retirement goal is to live comfortably while I will max out my CPF life which will give me more than 3K monthly when I reached 65 and my endowment plan will give me another 2k. Investing my spares in income generating equities such as banks and REITs will provide the buffer needed to go for holidays and other purposes expense.

Isleigh

06-14

‌ 🔥 S$550K to retire in SG? It's a solid benchmark—but for FIRE chasers, it's really just the starting line

$DBS(D05.SI)$ DBS says you need S$550,000 to retire in Singapore. Sounds like a decent benchmark, right? But let's be real: with persistent inflation, rising medical costs, and the kopitiam now $7 lifestyle shift, S$550K gets you only one thing: the leanest version of FIRE. Here's how I see it: 💡 Understanding the FIRE Spectrum FIRE = Financial Independence, Retire Early It's not one number. It's a lifestyle spectrum. 🔥 Type Amount Lifestyle Lean FIRE S$550K–700K Minimalist living, no luxuries Comfortable FIRE S$800K–1M Flexible spending, local travel Fat FIRE S$1.5M+ Global travel, hobbies, passion biz 🧠 Rule of thumb: → Your FIRE number = monthly expenses × 12 × 25 → That's the 4% rule, assuming a sustainab

‌ 🔥 S$550K to retire in SG? It's a solid benchmark—but for FIRE chasers, it's really just the starting line

JCIHPL

06-14

the more the merrier. as a bare minimum one should match the expenses with some buffer preferably so that the buffer can help to bring up income to cater for inflation. bare minimum isn't always enough so the next step is to have a buffer. when that is achieved, one can look towards trying to match employment income and thereafter to match employment income+investment income. depending on how driven one is you don't need to meet all the steps but a bare minimum is to at least be able to match one normal expenses plus some buffer for emergencies and inflation and hopefully with a bit of increases year on year to improve life a bit.

tigerbeer

06-14

800000

Sunsunsunny

06-14

My retirement goal is having monthly passive income that able to sustain my life with out the worries from my children.

SRKanaparthi

06-14

this may be valid for Singaporeans and PRs with a house in Singapore. if not owning a house, the rental itself will be a 3000 - 4000$.

erwin99

06-14

$DBS(D05.SI)$ Nice project in the world tiger trade

MarkN

06-14

$550k to retire is doable. If you look at the CPF Life estimates for $550k on the Escalating Plan (to fight inflation). Assuming you put $550k into CPF Life at 55 years of age this year, it will give you $3340/month at age 65, $4970 at age 75 etc. That should be sufficient to cover basic expenses with some leftover. I suppose there are some assumptions needed, eg you own your home and will not outlive it, you don't have dependents after retiring etc.

{"data":{"themeId":"288d87ebcd19403191f964e8386f745d","name":"S$550K vs S$1.87M: 3x Gap! How Much Do You Really Need?","description":"Previously, we discussed $DBS(D05.SI)$ Bank’s suggestion that S$550,000 is needed to retire in Singapore “S$550K to Retire in SG: Have You Planned Your FIRE Number?” and many tigers shared your own investment and savings plans for retirement.\n\nBut now, a new report from $HSBC Holdings PLC(HSBC)$reveals that wealthy individuals in Singapore believe they need S$1.87 million to enjoy a “comfortable retirement.”\nTo retire peacefully in Singapore, ordinary folks need to save S$550K, while the wealthy feel they need S$1.87 million. That’s a staggering difference — over three times more!","image":"https://community-static.tradeup.com/news/187a191e57cb1313b5da2207a50ecb19","type":0,"style":1,"follow":false,"createTime":1749639123981,"userCounts":5,"rnLink":"https://laohu8.com/RN?name=RNTheme&page=/theme/detail&rndata={\"themeId\":288d87ebcd19403191f964e8386f745d}&rnconfig={\"headerBarHidden\": true}","subscribe":false,"allowFollow":true,"hasReward":true,"rewardScore":1000,"rewardValidDate":1753372800000,"rewardEnd":true,"symbols":[],"tweetCounts":100,"categoryId":"d3c66e9d6c224ba082ca76ee654847ca","options":[],"votedOptionId":"","totalUserCount":0,"followStatus":false,"themeName":"S$550K vs S$1.87M: 3x Gap! How Much Do You Really Need?","tweetAmount":100,"imageIsDefault":false,"aiDerivativeIssues":[]},"tab":"all","allList":[{"id":457849994629688,"gmtCreate":1752749180696,"gmtModify":1752757732813,"author":{"id":"3548734971517314","authorId":"3548734971517314","name":"Mkoh","avatar":"https://static.tigerbbs.com/c6226aeb6486c19c00455145eb533f98","crmLevel":12,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3548734971517314","idStr":"3548734971517314"},"themes":[],"htmlText":"Key AssumptionsLifestyle Costs (per person, monthly):Basic: SGD 1,500–2,351 Moderate: SGD 4,000–6,000 Comfortable: SGD 6,000–10,000 Housing: Paid-off home (e.g., HDB flat). Rentals (SGD 2,000–4,000/month) would reduce sufficiency. CPF LIFE: Reduces savings need by SGD 300,000–600,000 over 25 years (SGD 12,000–24,000/year). Inflation-Adjusted Needs (25 years):Basic: ~SGD 799,000 (single) to SGD 1.6 million (couple) Moderate: ~SGD 2.13–3.2 million (single) to SGD 4.26–6.4 million (couple) With CPF LIFE (SGD 300,000–600,000), it’s just sufficient for a single retiree with a paid-off home and frugal living. Insufficient for a couple (SGD 1.6 million needed). Moderate/Comfortable Lifestyle: Far too low, covering only ~7–11 years at SGD 4,000–6,000/month (no inflation). Inflation makes i","listText":"Key AssumptionsLifestyle Costs (per person, monthly):Basic: SGD 1,500–2,351 Moderate: SGD 4,000–6,000 Comfortable: SGD 6,000–10,000 Housing: Paid-off home (e.g., HDB flat). Rentals (SGD 2,000–4,000/month) would reduce sufficiency. CPF LIFE: Reduces savings need by SGD 300,000–600,000 over 25 years (SGD 12,000–24,000/year). Inflation-Adjusted Needs (25 years):Basic: ~SGD 799,000 (single) to SGD 1.6 million (couple) Moderate: ~SGD 2.13–3.2 million (single) to SGD 4.26–6.4 million (couple) With CPF LIFE (SGD 300,000–600,000), it’s just sufficient for a single retiree with a paid-off home and frugal living. Insufficient for a couple (SGD 1.6 million needed). Moderate/Comfortable Lifestyle: Far too low, covering only ~7–11 years at SGD 4,000–6,000/month (no inflation). Inflation makes i","text":"Key AssumptionsLifestyle Costs (per person, monthly):Basic: SGD 1,500–2,351 Moderate: SGD 4,000–6,000 Comfortable: SGD 6,000–10,000 Housing: Paid-off home (e.g., HDB flat). Rentals (SGD 2,000–4,000/month) would reduce sufficiency. CPF LIFE: Reduces savings need by SGD 300,000–600,000 over 25 years (SGD 12,000–24,000/year). Inflation-Adjusted Needs (25 years):Basic: ~SGD 799,000 (single) to SGD 1.6 million (couple) Moderate: ~SGD 2.13–3.2 million (single) to SGD 4.26–6.4 million (couple) With CPF LIFE (SGD 300,000–600,000), it’s just sufficient for a single retiree with a paid-off home and frugal living. Insufficient for a couple (SGD 1.6 million needed). Moderate/Comfortable Lifestyle: Far too low, covering only ~7–11 years at SGD 4,000–6,000/month (no inflation). Inflation makes i","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/457849994629688","isVote":1,"tweetType":1,"viewCount":1513,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":457632867848200,"gmtCreate":1752745729492,"gmtModify":1752825602605,"author":{"id":"4106547232749330","authorId":"4106547232749330","name":"Tiger_SG","avatar":"https://community-static.tradeup.com/news/9eb57a835b72d997d1941fb6605d80a4","crmLevel":1,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"4106547232749330","idStr":"4106547232749330"},"themes":[],"title":"S$550K vs S$1.87M: 3x Gap! How Much Do You Really Need?","htmlText":"Retirement Savings Show a 3x Gap!Previously, we discussed <a href=\"https://ttm.financial/S/D05.SI\">$DBS(D05.SI)$</a> Bank’s suggestion that S$550,000 is needed to retire in Singapore “<a href=\"https://ttm.financial/TW/444977571435032\" target=\"_blank\">S$550K to Retire in SG: Have You Planned Your FIRE Number?</a>” and many tigers shared your own investment and savings plans for retirement.But now, a new report from <a href=\"https://ttm.financial/S/HSBC\">$HSBC Holdings PLC(HSBC)$</a>reveals that wealthy individuals in Singapore believe they need S$1.87 million to enjoy a “comfortable retirement.”To retire peacefully in Singapore, ordinary folks need to save S$550K, while the wealthy feel they need S$1.87 million. That’s a staggering difference — over three times more!🧾 What Retirement Looks","listText":"Retirement Savings Show a 3x Gap!Previously, we discussed <a href=\"https://ttm.financial/S/D05.SI\">$DBS(D05.SI)$</a> Bank’s suggestion that S$550,000 is needed to retire in Singapore “<a href=\"https://ttm.financial/TW/444977571435032\" target=\"_blank\">S$550K to Retire in SG: Have You Planned Your FIRE Number?</a>” and many tigers shared your own investment and savings plans for retirement.But now, a new report from <a href=\"https://ttm.financial/S/HSBC\">$HSBC Holdings PLC(HSBC)$</a>reveals that wealthy individuals in Singapore believe they need S$1.87 million to enjoy a “comfortable retirement.”To retire peacefully in Singapore, ordinary folks need to save S$550K, while the wealthy feel they need S$1.87 million. That’s a staggering difference — over three times more!🧾 What Retirement Looks","text":"Retirement Savings Show a 3x Gap!Previously, we discussed $DBS(D05.SI)$ Bank’s suggestion that S$550,000 is needed to retire in Singapore “S$550K to Retire in SG: Have You Planned Your FIRE Number?” and many tigers shared your own investment and savings plans for retirement.But now, a new report from $HSBC Holdings PLC(HSBC)$reveals that wealthy individuals in Singapore believe they need S$1.87 million to enjoy a “comfortable retirement.”To retire peacefully in Singapore, ordinary folks need to save S$550K, while the wealthy feel they need S$1.87 million. That’s a staggering difference — over three times more!🧾 What Retirement Looks","images":[{"img":"https://community-static.tradeup.com/news/9b95097134de06a6d6e91db43d4a039f"}],"top":1,"highlighted":2,"essential":2,"paper":2,"likeSize":89,"commentSize":19,"repostSize":11,"link":"https://ttm.financial/post/457632867848200","isVote":1,"tweetType":1,"viewCount":4646,"authorTweetTopStatus":1,"verified":2,"subType":2,"comments":[{"author":{"id":"3574752437126777","authorId":"3574752437126777","name":"1PC","avatar":"https://community-static.tradeup.com/news/d93d931cb700e24c910644542320e877","crmLevel":12,"crmLevelSwitch":0,"authorIdStr":"3574752437126777","idStr":"3574752437126777"},"content":"$550k vs. $1.87million for retirement [OMG]... I believe to live within the means [Smile] & any extra will be Great [Heart]. I'm an ordinary folks 😎 , will aim for the $550k mark ❣️ first and work up from there [Chuckle] Maybe 🤔 NVDA 📈🚀 break 180++...200++...220++ and Away will help [Bless] [Bless] [Bless] @Shyon @koolgal @yourcelesttyy @Shernice軒嬣 2000 @Barcode @JC888","text":"$550k vs. $1.87million for retirement [OMG]... I believe to live within the means [Smile] & any extra will be Great [Heart]. I'm an ordinary folks 😎 , will aim for the $550k mark ❣️ first and work up from there [Chuckle] Maybe 🤔 NVDA 📈🚀 break 180++...200++...220++ and Away will help [Bless] [Bless] [Bless] @Shyon @koolgal @yourcelesttyy @Shernice軒嬣 2000 @Barcode @JC888","html":"$550k vs. $1.87million for retirement [OMG]... I believe to live within the means [Smile] & any extra will be Great [Heart]. I'm an ordinary folks 😎 , will aim for the $550k mark ❣️ first and work up from there [Chuckle] Maybe 🤔 NVDA 📈🚀 break 180++...200++...220++ and Away will help [Bless] [Bless] [Bless] @Shyon @koolgal @yourcelesttyy @Shernice軒嬣 2000 @Barcode @JC888"},{"author":{"id":"4100833454173050","authorId":"4100833454173050","name":"DiAngel","avatar":"https://community-static.tradeup.com/news/f7c2ee91188421bf874cdbc97fb77886","crmLevel":11,"crmLevelSwitch":0,"authorIdStr":"4100833454173050","idStr":"4100833454173050"},"content":"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","text":"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","html":"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"}],"imageCount":1,"langContent":"EN","totalScore":0},{"id":446864385691960,"gmtCreate":1750118904012,"gmtModify":1750118912525,"author":{"id":"4161479217768442","authorId":"4161479217768442","name":"Leeskies","avatar":"https://community-static.tradeup.com/news/default-avatar.jpg","crmLevel":12,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"4161479217768442","idStr":"4161479217768442"},"themes":[],"htmlText":"Setting up new SMSF account and depositing capital to start building towards my retirement gave me bonus reward. Maybe I can retire in SG one day?","listText":"Setting up new SMSF account and depositing capital to start building towards my retirement gave me bonus reward. Maybe I can retire in SG one day?","text":"Setting up new SMSF account and depositing capital to start building towards my retirement gave me bonus reward. Maybe I can retire in SG one day?","images":[{"img":"https://community-static.tradeup.com/news/0e75b4034ec3cf9d64c3c33f747d0bee","width":"750","height":"1250"}],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/446864385691960","isVote":1,"tweetType":1,"viewCount":1488,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":1,"langContent":"EN","totalScore":0},{"id":446632978297648,"gmtCreate":1750047486578,"gmtModify":1750161556977,"author":{"id":"3563967154363605","authorId":"3563967154363605","name":"Kenny_Loh","avatar":"https://static.tigerbbs.com/a64c08a818345f1ee44647f4f4c23a69","crmLevel":11,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3563967154363605","idStr":"3563967154363605"},"themes":[],"title":"Singapore T Bills rate plunges, is S-REIT good option?","htmlText":"Singapore's latest six-month Treasury bill (T-bill) saw its cut-off yield dip to 2.05%, according to auction results released by the Monetary Authority of Singapore (MAS) on June 5. With yields trending lower, investors need to find alternatives for better returns. Refer to news on The Business Times here&nbsp;https://www.businesstimes.com.sg/companies-markets/latest-singapore-six-month-t-bill-cut-yield-sinks-2-05?utm_medium=social-organic Singapore REITs could be a compelling option, offering trailing twelve-month (TTM) distribution per unit (DPU) yields of up to nearly 10%, along with attractive discounts to net asset value (NAV). Ready to explore your options? Check out the Singapore REITs Screener here: https://reitsavvy.com/ #SingaporeREITs #alternativeinvestment #DividendStocks #High","listText":"Singapore's latest six-month Treasury bill (T-bill) saw its cut-off yield dip to 2.05%, according to auction results released by the Monetary Authority of Singapore (MAS) on June 5. With yields trending lower, investors need to find alternatives for better returns. Refer to news on The Business Times here&nbsp;https://www.businesstimes.com.sg/companies-markets/latest-singapore-six-month-t-bill-cut-yield-sinks-2-05?utm_medium=social-organic Singapore REITs could be a compelling option, offering trailing twelve-month (TTM) distribution per unit (DPU) yields of up to nearly 10%, along with attractive discounts to net asset value (NAV). Ready to explore your options? Check out the Singapore REITs Screener here: https://reitsavvy.com/ #SingaporeREITs #alternativeinvestment #DividendStocks #High","text":"Singapore's latest six-month Treasury bill (T-bill) saw its cut-off yield dip to 2.05%, according to auction results released by the Monetary Authority of Singapore (MAS) on June 5. With yields trending lower, investors need to find alternatives for better returns. Refer to news on The Business Times here https://www.businesstimes.com.sg/companies-markets/latest-singapore-six-month-t-bill-cut-yield-sinks-2-05?utm_medium=social-organic Singapore REITs could be a compelling option, offering trailing twelve-month (TTM) distribution per unit (DPU) yields of up to nearly 10%, along with attractive discounts to net asset value (NAV). Ready to explore your options? Check out the Singapore REITs Screener here: https://reitsavvy.com/ #SingaporeREITs #alternativeinvestment #DividendStocks #High","images":[{"img":"https://static.tigerbbs.com/a393dcab75f47bbeb678c32d61a12b06","width":"200","height":"200"}],"top":1,"highlighted":1,"essential":1,"paper":2,"likeSize":62,"commentSize":1,"repostSize":5,"link":"https://ttm.financial/post/446632978297648","isVote":1,"tweetType":1,"viewCount":1773,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":1,"langContent":"EN","totalScore":0},{"id":446513765548080,"gmtCreate":1750036374736,"gmtModify":1750037673490,"author":{"id":"4148365475814842","authorId":"4148365475814842","name":"TameLion","avatar":"https://community-static.tradeup.com/news/default-avatar.jpg","crmLevel":12,"crmLevelSwitch":1,"followedFlag":false,"authorIdStr":"4148365475814842","idStr":"4148365475814842"},"themes":[],"htmlText":"My retirement goal is S$100K income per year without me having to work a single day and without my principal being depleted at all.","listText":"My retirement goal is S$100K income per year without me having to work a single day and without my principal being depleted at all.","text":"My retirement goal is S$100K income per year without me having to work a single day and without my principal being depleted at all.","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/446513765548080","isVote":1,"tweetType":1,"viewCount":1177,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":446336851685464,"gmtCreate":1749992986191,"gmtModify":1750156678585,"author":{"id":"4091758936365950","authorId":"4091758936365950","name":"MHh","avatar":"https://static.tigerbbs.com/54b2feced9ef5dcc9e95997d1f4db280","crmLevel":12,"crmLevelSwitch":1,"followedFlag":false,"authorIdStr":"4091758936365950","idStr":"4091758936365950"},"themes":[],"htmlText":"My retirement goal is S$1.5-2million. S$550K is way too little. I recall the figure floating around has been S$1million for a long time. So, S$550K comes as a surprise. I think 3K per month is ideal. This would help to account for basic expenses, hobbies to spend time meaningfully with and also for travelling. This is also to account for the scary inflation. I save/ invest at least 30% of my salary to try to beat inflation. I think I am currently on track with my savings and investment to reach my target amount. Importantly, I try to ensure that while I try to have a good quality of life, I do not have overt lifestyle inflation and steward my money to have the maximal sum for retirement. It is always better to have more than less but also important to have a certain quality of life","listText":"My retirement goal is S$1.5-2million. S$550K is way too little. I recall the figure floating around has been S$1million for a long time. So, S$550K comes as a surprise. I think 3K per month is ideal. This would help to account for basic expenses, hobbies to spend time meaningfully with and also for travelling. This is also to account for the scary inflation. I save/ invest at least 30% of my salary to try to beat inflation. I think I am currently on track with my savings and investment to reach my target amount. Importantly, I try to ensure that while I try to have a good quality of life, I do not have overt lifestyle inflation and steward my money to have the maximal sum for retirement. It is always better to have more than less but also important to have a certain quality of life","text":"My retirement goal is S$1.5-2million. S$550K is way too little. I recall the figure floating around has been S$1million for a long time. So, S$550K comes as a surprise. I think 3K per month is ideal. This would help to account for basic expenses, hobbies to spend time meaningfully with and also for travelling. This is also to account for the scary inflation. I save/ invest at least 30% of my salary to try to beat inflation. I think I am currently on track with my savings and investment to reach my target amount. Importantly, I try to ensure that while I try to have a good quality of life, I do not have overt lifestyle inflation and steward my money to have the maximal sum for retirement. It is always better to have more than less but also important to have a certain quality of life","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":86,"commentSize":3,"repostSize":1,"link":"https://ttm.financial/post/446336851685464","isVote":1,"tweetType":1,"viewCount":1204,"authorTweetTopStatus":1,"verified":2,"comments":[{"author":{"id":"3569809505691000","authorId":"3569809505691000","name":"breAkdaWn","avatar":"https://community-static.tradeup.com/news/4c3676c14de9bfcd6f45bcf7ba4ddb6c","crmLevel":12,"crmLevelSwitch":0,"authorIdStr":"3569809505691000","idStr":"3569809505691000"},"content":"Good on you.. keep it up!!","text":"Good on you.. keep it up!!","html":"Good on you.. keep it up!!"}],"imageCount":0,"langContent":"EN","totalScore":0},{"id":446116650824200,"gmtCreate":1749943714374,"gmtModify":1749951069148,"author":{"id":"3568626694134502","authorId":"3568626694134502","name":"Madscientist","avatar":"https://static.laohu8.com/default-avatar.jpg","crmLevel":11,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3568626694134502","idStr":"3568626694134502"},"themes":[],"htmlText":"Yes, our CPF savings might be our greatest savings for retirement but we don’t forget a big bulk will go to pay for our housing. Hence, we still need stable investments to sustain and build our retirement funds.","listText":"Yes, our CPF savings might be our greatest savings for retirement but we don’t forget a big bulk will go to pay for our housing. Hence, we still need stable investments to sustain and build our retirement funds.","text":"Yes, our CPF savings might be our greatest savings for retirement but we don’t forget a big bulk will go to pay for our housing. Hence, we still need stable investments to sustain and build our retirement funds.","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/446116650824200","isVote":1,"tweetType":1,"viewCount":1312,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":446013533929936,"gmtCreate":1749914220880,"gmtModify":1749940103498,"author":{"id":"4101948424484190","authorId":"4101948424484190","name":"Success88","avatar":"https://static.itradeup.com/news/4408e1a22d73e99adb53aa65dde8ad91","crmLevel":12,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"4101948424484190","idStr":"4101948424484190"},"themes":[],"htmlText":"My retirement goal is 950k to 1.1m as now I have already CPF combine with saving and investment around 890K quite near to my goal already. The good thing is my hosing fully paid 😆<a href=\"https://ttm.financial/U/4106547232749330\"> @Tiger_SG </a>","listText":"My retirement goal is 950k to 1.1m as now I have already CPF combine with saving and investment around 890K quite near to my goal already. The good thing is my hosing fully paid 😆<a href=\"https://ttm.financial/U/4106547232749330\"> @Tiger_SG </a>","text":"My retirement goal is 950k to 1.1m as now I have already CPF combine with saving and investment around 890K quite near to my goal already. The good thing is my hosing fully paid 😆 @Tiger_SG","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":3,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/446013533929936","isVote":1,"tweetType":1,"viewCount":927,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":446012970082656,"gmtCreate":1749914014140,"gmtModify":1749940104865,"author":{"id":"4173532761544592","authorId":"4173532761544592","name":"BKLL","avatar":"https://community-static.tradeup.com/news/fe5e359a01942b9b2f6f15076e2edf09","crmLevel":13,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"4173532761544592","idStr":"4173532761544592"},"themes":[],"htmlText":"Forget the mindset of just saving. Better to target earning passive income enough for the lifestyle you want","listText":"Forget the mindset of just saving. Better to target earning passive income enough for the lifestyle you want","text":"Forget the mindset of just saving. Better to target earning passive income enough for the lifestyle you want","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/446012970082656","isVote":1,"tweetType":1,"viewCount":838,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":446006376263808,"gmtCreate":1749913102821,"gmtModify":1749940105419,"author":{"id":"3582496755882056","authorId":"3582496755882056","name":"Hertz赫兹","avatar":"https://community-static.tradeup.com/news/910a94be66287480024f3c13cf74fc6d","crmLevel":11,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3582496755882056","idStr":"3582496755882056"},"themes":[],"htmlText":"there isn't a number for retirement, the safer retirement is let monies earn monies for you with peace world, nothing much change and no war.","listText":"there isn't a number for retirement, the safer retirement is let monies earn monies for you with peace world, nothing much change and no war.","text":"there isn't a number for retirement, the safer retirement is let monies earn monies for you with peace world, nothing much change and no war.","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/446006376263808","isVote":1,"tweetType":1,"viewCount":529,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":445992754696832,"gmtCreate":1749909239739,"gmtModify":1749909518821,"author":{"id":"3570949346174133","authorId":"3570949346174133","name":"TCC1970","avatar":"https://community-static.tradeup.com/news/ab18122b01c463b35405e31e2cb2e456","crmLevel":12,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3570949346174133","idStr":"3570949346174133"},"themes":[],"htmlText":"Not forgetting the assumption did not take into healthcare cost. If you try out the CPF website Health care financing planner, you will realise that as one aged, the MediShield premium will increase at a rate of about 9% every year. Hope the projection is on the high side while the actual increase in premium is lower than 9%.","listText":"Not forgetting the assumption did not take into healthcare cost. If you try out the CPF website Health care financing planner, you will realise that as one aged, the MediShield premium will increase at a rate of about 9% every year. Hope the projection is on the high side while the actual increase in premium is lower than 9%.","text":"Not forgetting the assumption did not take into healthcare cost. If you try out the CPF website Health care financing planner, you will realise that as one aged, the MediShield premium will increase at a rate of about 9% every year. Hope the projection is on the high side while the actual increase in premium is lower than 9%.","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/445992754696832","isVote":1,"tweetType":1,"viewCount":984,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":446117670080888,"gmtCreate":1749907184493,"gmtModify":1749907188440,"author":{"id":"4103245832785800","authorId":"4103245832785800","name":"limnorth","avatar":"https://static.laohu8.com/default-avatar.jpg","crmLevel":11,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"4103245832785800","idStr":"4103245832785800"},"themes":[],"htmlText":"Targeting to have the median monthly income as the benchmark during my retirement years.","listText":"Targeting to have the median monthly income as the benchmark during my retirement years.","text":"Targeting to have the median monthly income as the benchmark during my retirement years.","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/446117670080888","isVote":1,"tweetType":1,"viewCount":1745,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":446170682188144,"gmtCreate":1749905565089,"gmtModify":1749909518940,"author":{"id":"4103505618857970","authorId":"4103505618857970","name":"Tigerwong","avatar":"https://static.itradeup.com/news/117d896e04ecaa5155e012726668c759","crmLevel":11,"crmLevelSwitch":1,"followedFlag":false,"authorIdStr":"4103505618857970","idStr":"4103505618857970"},"themes":[],"htmlText":"My retirement goal is to live comfortably while I will max out my CPF life which will give me more than 3K monthly when I reached 65 and my endowment plan will give me another 2k. Investing my spares in income generating equities such as banks and REITs will provide the buffer needed to go for holidays and other purposes expense.","listText":"My retirement goal is to live comfortably while I will max out my CPF life which will give me more than 3K monthly when I reached 65 and my endowment plan will give me another 2k. Investing my spares in income generating equities such as banks and REITs will provide the buffer needed to go for holidays and other purposes expense.","text":"My retirement goal is to live comfortably while I will max out my CPF life which will give me more than 3K monthly when I reached 65 and my endowment plan will give me another 2k. Investing my spares in income generating equities such as banks and REITs will provide the buffer needed to go for holidays and other purposes expense.","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/446170682188144","isVote":1,"tweetType":1,"viewCount":1289,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":445978114490720,"gmtCreate":1749905504474,"gmtModify":1750070615148,"author":{"id":"4147681045299222","authorId":"4147681045299222","name":"Isleigh","avatar":"https://community-static.tradeup.com/news/default-avatar.jpg","crmLevel":12,"crmLevelSwitch":1,"followedFlag":false,"authorIdStr":"4147681045299222","idStr":"4147681045299222"},"themes":[],"title":"‌ 🔥 S$550K to retire in SG? It's a solid benchmark—but for FIRE chasers, it's really just the starting line","htmlText":"<a href=\"https://ttm.financial/S/D05.SI\">$DBS(D05.SI)$&nbsp;</a><v-v data-views=\"1\"></v-v> DBS says you need S$550,000 to retire in Singapore. Sounds like a decent benchmark, right? But let's&nbsp;be real: with persistent inflation, rising medical costs, and the kopitiam now $7 lifestyle shift, S$550K gets you only one thing: the leanest version of FIRE. Here's how I see it: 💡 Understanding the FIRE Spectrum FIRE = Financial Independence, Retire Early It's not one number. It's a lifestyle spectrum. 🔥 Type Amount Lifestyle Lean FIRE S$550K–700K Minimalist living, no luxuries Comfortable FIRE S$800K–1M Flexible spending, local travel Fat FIRE S$1.5M+ Global travel, hobbies, passion biz 🧠 Rule of thumb: → Your FIRE number = monthly expenses × 12 × 25 → That's the 4% rule, assuming a sustainab","listText":"<a href=\"https://ttm.financial/S/D05.SI\">$DBS(D05.SI)$&nbsp;</a><v-v data-views=\"1\"></v-v> DBS says you need S$550,000 to retire in Singapore. Sounds like a decent benchmark, right? But let's&nbsp;be real: with persistent inflation, rising medical costs, and the kopitiam now $7 lifestyle shift, S$550K gets you only one thing: the leanest version of FIRE. Here's how I see it: 💡 Understanding the FIRE Spectrum FIRE = Financial Independence, Retire Early It's not one number. It's a lifestyle spectrum. 🔥 Type Amount Lifestyle Lean FIRE S$550K–700K Minimalist living, no luxuries Comfortable FIRE S$800K–1M Flexible spending, local travel Fat FIRE S$1.5M+ Global travel, hobbies, passion biz 🧠 Rule of thumb: → Your FIRE number = monthly expenses × 12 × 25 → That's the 4% rule, assuming a sustainab","text":"$DBS(D05.SI)$ DBS says you need S$550,000 to retire in Singapore. Sounds like a decent benchmark, right? But let's be real: with persistent inflation, rising medical costs, and the kopitiam now $7 lifestyle shift, S$550K gets you only one thing: the leanest version of FIRE. Here's how I see it: 💡 Understanding the FIRE Spectrum FIRE = Financial Independence, Retire Early It's not one number. It's a lifestyle spectrum. 🔥 Type Amount Lifestyle Lean FIRE S$550K–700K Minimalist living, no luxuries Comfortable FIRE S$800K–1M Flexible spending, local travel Fat FIRE S$1.5M+ Global travel, hobbies, passion biz 🧠 Rule of thumb: → Your FIRE number = monthly expenses × 12 × 25 → That's the 4% rule, assuming a sustainab","images":[{"img":"https://community-static.tradeup.com/news/a3004385256049ca192ff43c9d5ba105","width":"1024","height":"1024"}],"top":1,"highlighted":1,"essential":1,"paper":2,"likeSize":16,"commentSize":1,"repostSize":2,"link":"https://ttm.financial/post/445978114490720","isVote":1,"tweetType":1,"viewCount":2455,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":2,"langContent":"EN","totalScore":0},{"id":445974874317416,"gmtCreate":1749904879334,"gmtModify":1749904884532,"author":{"id":"4187308380158512","authorId":"4187308380158512","name":"JCIHPL","avatar":"https://community-static.tradeup.com/news/default-avatar.jpg","crmLevel":12,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"4187308380158512","idStr":"4187308380158512"},"themes":[],"htmlText":"the more the merrier. as a bare minimum one should match the expenses with some buffer preferably so that the buffer can help to bring up income to cater for inflation. bare minimum isn't always enough so the next step is to have a buffer. when that is achieved, one can look towards trying to match employment income and thereafter to match employment income+investment income. depending on how driven one is you don't need to meet all the steps but a bare minimum is to at least be able to match one normal expenses plus some buffer for emergencies and inflation and hopefully with a bit of increases year on year to improve life a bit.","listText":"the more the merrier. as a bare minimum one should match the expenses with some buffer preferably so that the buffer can help to bring up income to cater for inflation. bare minimum isn't always enough so the next step is to have a buffer. when that is achieved, one can look towards trying to match employment income and thereafter to match employment income+investment income. depending on how driven one is you don't need to meet all the steps but a bare minimum is to at least be able to match one normal expenses plus some buffer for emergencies and inflation and hopefully with a bit of increases year on year to improve life a bit.","text":"the more the merrier. as a bare minimum one should match the expenses with some buffer preferably so that the buffer can help to bring up income to cater for inflation. bare minimum isn't always enough so the next step is to have a buffer. when that is achieved, one can look towards trying to match employment income and thereafter to match employment income+investment income. depending on how driven one is you don't need to meet all the steps but a bare minimum is to at least be able to match one normal expenses plus some buffer for emergencies and inflation and hopefully with a bit of increases year on year to improve life a bit.","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/445974874317416","isVote":1,"tweetType":1,"viewCount":527,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":446095451037800,"gmtCreate":1749902297464,"gmtModify":1749902299669,"author":{"id":"3547499651519262","authorId":"3547499651519262","name":"tigerbeer","avatar":"https://static.laohu8.com/default-avatar.jpg","crmLevel":11,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3547499651519262","idStr":"3547499651519262"},"themes":[],"htmlText":"800000","listText":"800000","text":"800000","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/446095451037800","isVote":1,"tweetType":1,"viewCount":567,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":445958684004480,"gmtCreate":1749901459203,"gmtModify":1749904540937,"author":{"id":"4207827320413662","authorId":"4207827320413662","name":"Sunsunsunny","avatar":"https://community-static.tradeup.com/news/2b2300876ff09d9dba2869cda46b9106","crmLevel":12,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"4207827320413662","idStr":"4207827320413662"},"themes":[],"htmlText":"My retirement goal is having monthly passive income that able to sustain my life with out the worries from my children.","listText":"My retirement goal is having monthly passive income that able to sustain my life with out the worries from my children.","text":"My retirement goal is having monthly passive income that able to sustain my life with out the worries from my children.","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/445958684004480","isVote":1,"tweetType":1,"viewCount":567,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":445959708205512,"gmtCreate":1749901003577,"gmtModify":1749901006652,"author":{"id":"4098270415372510","authorId":"4098270415372510","name":"SRKanaparthi","avatar":"https://community-static.tradeup.com/news/e91d765fd896ae6454398db084a54dea","crmLevel":12,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"4098270415372510","idStr":"4098270415372510"},"themes":[],"htmlText":"this may be valid for Singaporeans and PRs with a house in Singapore. if not owning a house, the rental itself will be a 3000 - 4000$.&nbsp;","listText":"this may be valid for Singaporeans and PRs with a house in Singapore. if not owning a house, the rental itself will be a 3000 - 4000$.&nbsp;","text":"this may be valid for Singaporeans and PRs with a house in Singapore. if not owning a house, the rental itself will be a 3000 - 4000$.","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/445959708205512","isVote":1,"tweetType":1,"viewCount":1185,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":445736935948560,"gmtCreate":1749846799822,"gmtModify":1749852288281,"author":{"id":"4212944928302362","authorId":"4212944928302362","name":"erwin99","avatar":"https://community-static.tradeup.com/news/default-avatar.jpg","crmLevel":1,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"4212944928302362","idStr":"4212944928302362"},"themes":[],"htmlText":"<a href=\"https://ttm.financial/S/D05.SI\">$DBS(D05.SI)$&nbsp;</a> Nice project in the world tiger trade","listText":"<a href=\"https://ttm.financial/S/D05.SI\">$DBS(D05.SI)$&nbsp;</a> Nice project in the world tiger trade","text":"$DBS(D05.SI)$ Nice project in the world tiger trade","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/445736935948560","isVote":1,"tweetType":1,"viewCount":726,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":445675596730672,"gmtCreate":1749831630395,"gmtModify":1749835274273,"author":{"id":"3575420342405162","authorId":"3575420342405162","name":"MarkN","avatar":"https://static.tigerbbs.com/99ad375a87341ac6ee6e1e5a9fe435c3","crmLevel":12,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3575420342405162","idStr":"3575420342405162"},"themes":[],"htmlText":"$550k to retire is doable. If you look at the CPF Life estimates for $550k on the Escalating Plan (to fight inflation). Assuming you put $550k into CPF Life at 55 years of age this year, it will give you $3340/month at age 65, $4970 at age 75 etc. That should be sufficient to cover basic expenses with some leftover. I suppose there are some assumptions needed, eg you own your home and will not outlive it, you don't have dependents after retiring etc.","listText":"$550k to retire is doable. If you look at the CPF Life estimates for $550k on the Escalating Plan (to fight inflation). Assuming you put $550k into CPF Life at 55 years of age this year, it will give you $3340/month at age 65, $4970 at age 75 etc. That should be sufficient to cover basic expenses with some leftover. I suppose there are some assumptions needed, eg you own your home and will not outlive it, you don't have dependents after retiring etc.","text":"$550k to retire is doable. If you look at the CPF Life estimates for $550k on the Escalating Plan (to fight inflation). Assuming you put $550k into CPF Life at 55 years of age this year, it will give you $3340/month at age 65, $4970 at age 75 etc. That should be sufficient to cover basic expenses with some leftover. I suppose there are some assumptions needed, eg you own your home and will not outlive it, you don't have dependents after retiring etc.","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/445675596730672","isVote":1,"tweetType":1,"viewCount":1871,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0}],"essenList":[{"id":458190827544648,"gmtCreate":1752871331179,"gmtModify":1752871334543,"author":{"id":"4093561479903300","authorId":"4093561479903300","name":"SPACE ROCKET","avatar":"https://community-static.tradeup.com/news/5f9c495dd9f776573648d60f1476fdab","crmLevel":12,"crmLevelSwitch":1,"followedFlag":false,"authorIdStr":"4093561479903300","idStr":"4093561479903300"},"themes":[],"htmlText":"I feel a couple needs 2 to 3mil in cash to retire comfortably in Singapore.","listText":"I feel a couple needs 2 to 3mil in cash to retire comfortably in Singapore.","text":"I feel a couple needs 2 to 3mil in cash to retire comfortably in Singapore.","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":11,"commentSize":0,"repostSize":2,"link":"https://ttm.financial/post/458190827544648","isVote":1,"tweetType":1,"viewCount":1080,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":457903347364232,"gmtCreate":1752796512802,"gmtModify":1752796516548,"author":{"id":"4101948424484190","authorId":"4101948424484190","name":"Success88","avatar":"https://static.itradeup.com/news/4408e1a22d73e99adb53aa65dde8ad91","crmLevel":12,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"4101948424484190","idStr":"4101948424484190"},"themes":[],"htmlText":"For me I think 1.1m to 1.5m is enough for me to retired cos I live with a simple life. <a href=\"https://ttm.financial/U/4106547232749330\"> @Tiger_SG </a>","listText":"For me I think 1.1m to 1.5m is enough for me to retired cos I live with a simple life. <a href=\"https://ttm.financial/U/4106547232749330\"> @Tiger_SG </a>","text":"For me I think 1.1m to 1.5m is enough for me to retired cos I live with a simple life. @Tiger_SG","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/457903347364232","isVote":1,"tweetType":1,"viewCount":1406,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":457702967247456,"gmtCreate":1752767541957,"gmtModify":1752767546186,"author":{"id":"3581873279775743","authorId":"3581873279775743","name":"Onglie","avatar":"https://community-static.tradeup.com/news/ee9a02d518986ab876ea3421b40a35ed","crmLevel":11,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3581873279775743","idStr":"3581873279775743"},"themes":[],"htmlText":"Take a note on Warren Buffett retirement as a goal&nbsp;[Miser]&nbsp;&nbsp;","listText":"Take a note on Warren Buffett retirement as a goal&nbsp;[Miser]&nbsp;&nbsp;","text":"Take a note on Warren Buffett retirement as a goal [Miser]","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/457702967247456","isVote":1,"tweetType":1,"viewCount":1490,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":457809459106456,"gmtCreate":1752760489875,"gmtModify":1752760783561,"author":{"id":"3561713422683896","authorId":"3561713422683896","name":"TheStrategist","avatar":"https://community-static.tradeup.com/news/a1f9b1071e75ec59572f7ba9bbb0a4ed","crmLevel":12,"crmLevelSwitch":1,"followedFlag":false,"authorIdStr":"3561713422683896","idStr":"3561713422683896"},"themes":[],"htmlText":"you need a lot la","listText":"you need a lot la","text":"you need a lot la","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/457809459106456","isVote":1,"tweetType":1,"viewCount":993,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":445162927657528,"gmtCreate":1749706488507,"gmtModify":1749706976936,"author":{"id":"4186204260634262","authorId":"4186204260634262","name":"WeChats","avatar":"https://community-static.tradeup.com/news/default-avatar.jpg","crmLevel":12,"crmLevelSwitch":1,"followedFlag":false,"authorIdStr":"4186204260634262","idStr":"4186204260634262"},"themes":[],"htmlText":"<a href=\"https://ttm.financial/S/D05.SI\">$DBS(D05.SI)$&nbsp;</a> 🔥 S$550 K to Retire in Singapore — Reality Check or Click-bait? Singapore's media lit up after DBS crunched 2 million customer records and said you only need S$550 K to “retire comfortably.” Sounds doable… until you punch the numbers. 🧮 Quick Math on the 4 % Rule 4 % of S$550 K = S$22 K a year That's ~S$1 850 a month—before tax, healthcare, and inflation creep Add a typical MediShield Life rider (~S$200/mo) and basic needs (food, utilities, transport) and you’re already at the limit, with nothing left for travel, gifts, or big-ticket medical shocks 🚦 Three Levers to Pull Instead of Chasing a Magic Number 1. Lower the Burn Rate • Paid-up HDB or family co-living cuts housing to near-zero • Ditch car ownership (S$10 K–S$15 K sav","listText":"<a href=\"https://ttm.financial/S/D05.SI\">$DBS(D05.SI)$&nbsp;</a> 🔥 S$550 K to Retire in Singapore — Reality Check or Click-bait? Singapore's media lit up after DBS crunched 2 million customer records and said you only need S$550 K to “retire comfortably.” Sounds doable… until you punch the numbers. 🧮 Quick Math on the 4 % Rule 4 % of S$550 K = S$22 K a year That's ~S$1 850 a month—before tax, healthcare, and inflation creep Add a typical MediShield Life rider (~S$200/mo) and basic needs (food, utilities, transport) and you’re already at the limit, with nothing left for travel, gifts, or big-ticket medical shocks 🚦 Three Levers to Pull Instead of Chasing a Magic Number 1. Lower the Burn Rate • Paid-up HDB or family co-living cuts housing to near-zero • Ditch car ownership (S$10 K–S$15 K sav","text":"$DBS(D05.SI)$ 🔥 S$550 K to Retire in Singapore — Reality Check or Click-bait? Singapore's media lit up after DBS crunched 2 million customer records and said you only need S$550 K to “retire comfortably.” Sounds doable… until you punch the numbers. 🧮 Quick Math on the 4 % Rule 4 % of S$550 K = S$22 K a year That's ~S$1 850 a month—before tax, healthcare, and inflation creep Add a typical MediShield Life rider (~S$200/mo) and basic needs (food, utilities, transport) and you’re already at the limit, with nothing left for travel, gifts, or big-ticket medical shocks 🚦 Three Levers to Pull Instead of Chasing a Magic Number 1. Lower the Burn Rate • Paid-up HDB or family co-living cuts housing to near-zero • Ditch car ownership (S$10 K–S$15 K sav","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":3,"commentSize":0,"repostSize":4,"link":"https://ttm.financial/post/445162927657528","isVote":1,"tweetType":1,"viewCount":1377,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":445141929841088,"gmtCreate":1749713454374,"gmtModify":1749718361100,"author":{"id":"3585129514682588","authorId":"3585129514682588","name":"xvaen","avatar":"https://community-static.tradeup.com/news/b1b4e74b3eb8f29c591e969ccc35084c","crmLevel":12,"crmLevelSwitch":1,"followedFlag":false,"authorIdStr":"3585129514682588","idStr":"3585129514682588"},"themes":[],"title":"trading strat: none but never try, never know","htmlText":"Background: Loves math, worked in a bank (derivatives) but I'm a noob in the market with my own money (I only trade SG equity so far, leverage scares me I don't think I can sleep at night but maybe will dabble next year). It's easier to manage other people's money instead of your own, so trading is psychology.&nbsp; Risk averse, but turning from an investor to a trader (hopefully with some success). I'm still playing safe with money siloed, and insurance savings plans bought years ago (regretting them as the years pass on but oh well).&nbsp; I cannot articulate how, but I'm happy with the results so far. I trade primarily <a href=\"https://ttm.financial/S/BS6.SI\">$YZJ Shipbldg SGD(BS6.SI)$&nbsp;</a>mainly due to volume and volatility. All I can say is investors hate it when markets drop, bu","listText":"Background: Loves math, worked in a bank (derivatives) but I'm a noob in the market with my own money (I only trade SG equity so far, leverage scares me I don't think I can sleep at night but maybe will dabble next year). It's easier to manage other people's money instead of your own, so trading is psychology.&nbsp; Risk averse, but turning from an investor to a trader (hopefully with some success). I'm still playing safe with money siloed, and insurance savings plans bought years ago (regretting them as the years pass on but oh well).&nbsp; I cannot articulate how, but I'm happy with the results so far. I trade primarily <a href=\"https://ttm.financial/S/BS6.SI\">$YZJ Shipbldg SGD(BS6.SI)$&nbsp;</a>mainly due to volume and volatility. All I can say is investors hate it when markets drop, bu","text":"Background: Loves math, worked in a bank (derivatives) but I'm a noob in the market with my own money (I only trade SG equity so far, leverage scares me I don't think I can sleep at night but maybe will dabble next year). It's easier to manage other people's money instead of your own, so trading is psychology. Risk averse, but turning from an investor to a trader (hopefully with some success). I'm still playing safe with money siloed, and insurance savings plans bought years ago (regretting them as the years pass on but oh well). I cannot articulate how, but I'm happy with the results so far. I trade primarily $YZJ Shipbldg SGD(BS6.SI)$ mainly due to volume and volatility. All I can say is investors hate it when markets drop, bu","images":[{"img":"https://community-static.tradeup.com/news/ee2cef17a57532e02961728c4a639eee","width":"1170","height":"1915"},{"img":"https://community-static.tradeup.com/news/4d8b53d502d4ad9475ddc2d4ed70d4dc","width":"1170","height":"2532"},{"img":"https://community-static.tradeup.com/news/61d032510cdf0ffe778ed6fcde09d48b","width":"1170","height":"1450"}],"top":1,"highlighted":1,"essential":2,"paper":2,"likeSize":43,"commentSize":2,"repostSize":21,"link":"https://ttm.financial/post/445141929841088","isVote":1,"tweetType":1,"viewCount":4184,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":3,"langContent":"EN","totalScore":0},{"id":446632978297648,"gmtCreate":1750047486578,"gmtModify":1750161556977,"author":{"id":"3563967154363605","authorId":"3563967154363605","name":"Kenny_Loh","avatar":"https://static.tigerbbs.com/a64c08a818345f1ee44647f4f4c23a69","crmLevel":11,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3563967154363605","idStr":"3563967154363605"},"themes":[],"title":"Singapore T Bills rate plunges, is S-REIT good option?","htmlText":"Singapore's latest six-month Treasury bill (T-bill) saw its cut-off yield dip to 2.05%, according to auction results released by the Monetary Authority of Singapore (MAS) on June 5. With yields trending lower, investors need to find alternatives for better returns. Refer to news on The Business Times here&nbsp;https://www.businesstimes.com.sg/companies-markets/latest-singapore-six-month-t-bill-cut-yield-sinks-2-05?utm_medium=social-organic Singapore REITs could be a compelling option, offering trailing twelve-month (TTM) distribution per unit (DPU) yields of up to nearly 10%, along with attractive discounts to net asset value (NAV). Ready to explore your options? Check out the Singapore REITs Screener here: https://reitsavvy.com/ #SingaporeREITs #alternativeinvestment #DividendStocks #High","listText":"Singapore's latest six-month Treasury bill (T-bill) saw its cut-off yield dip to 2.05%, according to auction results released by the Monetary Authority of Singapore (MAS) on June 5. With yields trending lower, investors need to find alternatives for better returns. Refer to news on The Business Times here&nbsp;https://www.businesstimes.com.sg/companies-markets/latest-singapore-six-month-t-bill-cut-yield-sinks-2-05?utm_medium=social-organic Singapore REITs could be a compelling option, offering trailing twelve-month (TTM) distribution per unit (DPU) yields of up to nearly 10%, along with attractive discounts to net asset value (NAV). Ready to explore your options? Check out the Singapore REITs Screener here: https://reitsavvy.com/ #SingaporeREITs #alternativeinvestment #DividendStocks #High","text":"Singapore's latest six-month Treasury bill (T-bill) saw its cut-off yield dip to 2.05%, according to auction results released by the Monetary Authority of Singapore (MAS) on June 5. With yields trending lower, investors need to find alternatives for better returns. Refer to news on The Business Times here https://www.businesstimes.com.sg/companies-markets/latest-singapore-six-month-t-bill-cut-yield-sinks-2-05?utm_medium=social-organic Singapore REITs could be a compelling option, offering trailing twelve-month (TTM) distribution per unit (DPU) yields of up to nearly 10%, along with attractive discounts to net asset value (NAV). Ready to explore your options? Check out the Singapore REITs Screener here: https://reitsavvy.com/ #SingaporeREITs #alternativeinvestment #DividendStocks #High","images":[{"img":"https://static.tigerbbs.com/a393dcab75f47bbeb678c32d61a12b06","width":"200","height":"200"}],"top":1,"highlighted":1,"essential":1,"paper":2,"likeSize":62,"commentSize":1,"repostSize":5,"link":"https://ttm.financial/post/446632978297648","isVote":1,"tweetType":1,"viewCount":1773,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":1,"langContent":"EN","totalScore":0},{"id":446336851685464,"gmtCreate":1749992986191,"gmtModify":1750156678585,"author":{"id":"4091758936365950","authorId":"4091758936365950","name":"MHh","avatar":"https://static.tigerbbs.com/54b2feced9ef5dcc9e95997d1f4db280","crmLevel":12,"crmLevelSwitch":1,"followedFlag":false,"authorIdStr":"4091758936365950","idStr":"4091758936365950"},"themes":[],"htmlText":"My retirement goal is S$1.5-2million. S$550K is way too little. I recall the figure floating around has been S$1million for a long time. So, S$550K comes as a surprise. I think 3K per month is ideal. This would help to account for basic expenses, hobbies to spend time meaningfully with and also for travelling. This is also to account for the scary inflation. I save/ invest at least 30% of my salary to try to beat inflation. I think I am currently on track with my savings and investment to reach my target amount. Importantly, I try to ensure that while I try to have a good quality of life, I do not have overt lifestyle inflation and steward my money to have the maximal sum for retirement. It is always better to have more than less but also important to have a certain quality of life","listText":"My retirement goal is S$1.5-2million. S$550K is way too little. I recall the figure floating around has been S$1million for a long time. So, S$550K comes as a surprise. I think 3K per month is ideal. This would help to account for basic expenses, hobbies to spend time meaningfully with and also for travelling. This is also to account for the scary inflation. I save/ invest at least 30% of my salary to try to beat inflation. I think I am currently on track with my savings and investment to reach my target amount. Importantly, I try to ensure that while I try to have a good quality of life, I do not have overt lifestyle inflation and steward my money to have the maximal sum for retirement. It is always better to have more than less but also important to have a certain quality of life","text":"My retirement goal is S$1.5-2million. S$550K is way too little. I recall the figure floating around has been S$1million for a long time. So, S$550K comes as a surprise. I think 3K per month is ideal. This would help to account for basic expenses, hobbies to spend time meaningfully with and also for travelling. This is also to account for the scary inflation. I save/ invest at least 30% of my salary to try to beat inflation. I think I am currently on track with my savings and investment to reach my target amount. Importantly, I try to ensure that while I try to have a good quality of life, I do not have overt lifestyle inflation and steward my money to have the maximal sum for retirement. It is always better to have more than less but also important to have a certain quality of life","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":86,"commentSize":3,"repostSize":1,"link":"https://ttm.financial/post/446336851685464","isVote":1,"tweetType":1,"viewCount":1204,"authorTweetTopStatus":1,"verified":2,"comments":[{"author":{"id":"3569809505691000","authorId":"3569809505691000","name":"breAkdaWn","avatar":"https://community-static.tradeup.com/news/4c3676c14de9bfcd6f45bcf7ba4ddb6c","crmLevel":12,"crmLevelSwitch":0,"authorIdStr":"3569809505691000","idStr":"3569809505691000"},"content":"Good on you.. keep it up!!","text":"Good on you.. keep it up!!","html":"Good on you.. keep it up!!"}],"imageCount":0,"langContent":"EN","totalScore":0},{"id":444950536708360,"gmtCreate":1749661503824,"gmtModify":1749711553624,"author":{"id":"3572057948118382","authorId":"3572057948118382","name":"太复杂的我不懂","avatar":"https://static.tigerbbs.com/ff35c63639130db9306c87ac66c94640","crmLevel":12,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3572057948118382","idStr":"3572057948118382"},"themes":[],"htmlText":"<a href=\"https://ttm.financial/S/D05.SI\">$DBS(D05.SI)$&nbsp;</a> It really depends on the lifestyle and life circumstance (single/family/health etc).&nbsp; There are also different definition of \"retirements\". Some want to enjoy life and spend, some just want to chill with slower life but probably continue to earn some income. So this number is pretty meaningless without deeper&nbsp;context.&nbsp; My personal number would be S$1.5M (in today's dollar). It must&nbsp;generate enough passive income to fully cover my (+family) living expenses (today's dollar term)&nbsp;with some buffer&nbsp;to absorb occasional indulgence or luxury spendings (nothing fancy, just maybe have an expensive meals or buying time/comfort when needed). It also has to continue to be invested and grow at least inline wi","listText":"<a href=\"https://ttm.financial/S/D05.SI\">$DBS(D05.SI)$&nbsp;</a> It really depends on the lifestyle and life circumstance (single/family/health etc).&nbsp; There are also different definition of \"retirements\". Some want to enjoy life and spend, some just want to chill with slower life but probably continue to earn some income. So this number is pretty meaningless without deeper&nbsp;context.&nbsp; My personal number would be S$1.5M (in today's dollar). It must&nbsp;generate enough passive income to fully cover my (+family) living expenses (today's dollar term)&nbsp;with some buffer&nbsp;to absorb occasional indulgence or luxury spendings (nothing fancy, just maybe have an expensive meals or buying time/comfort when needed). It also has to continue to be invested and grow at least inline wi","text":"$DBS(D05.SI)$ It really depends on the lifestyle and life circumstance (single/family/health etc). There are also different definition of \"retirements\". Some want to enjoy life and spend, some just want to chill with slower life but probably continue to earn some income. So this number is pretty meaningless without deeper context. My personal number would be S$1.5M (in today's dollar). It must generate enough passive income to fully cover my (+family) living expenses (today's dollar term) with some buffer to absorb occasional indulgence or luxury spendings (nothing fancy, just maybe have an expensive meals or buying time/comfort when needed). It also has to continue to be invested and grow at least inline wi","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":19,"commentSize":1,"repostSize":2,"link":"https://ttm.financial/post/444950536708360","isVote":1,"tweetType":1,"viewCount":3318,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":444904467390552,"gmtCreate":1749643282994,"gmtModify":1749647017367,"author":{"id":"4109324284357180","authorId":"4109324284357180","name":"Ah_Meng","avatar":"https://community-static.tradeup.com/news/d97e00479f1ee9e647c7a76f8e8f4251","crmLevel":12,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"4109324284357180","idStr":"4109324284357180"},"themes":[],"htmlText":"My retirement goal is obviously to live comfortably. However this statement by itself is problematic. What do I mean by comfortably? Comfort means different things to different people. Then, is $550,000 enough then? At 65 and with maybe 20 odd years more to go… we probably need more when we are still healthy and can go about our way, meaning we might want to go on holiday now and then. As we get older, the desire to travel should probably decrease. However, healthcare cost on the other hand increases. I am not sure if S$550k will see us through then, comfortably I mean. For me, besides banging on CPF, which is on track to hit that “magical” number of S$550k, I am keeping up with various investment vehicles like stocks, properties, silver, etc. I am concerned about the current state of glob","listText":"My retirement goal is obviously to live comfortably. However this statement by itself is problematic. What do I mean by comfortably? Comfort means different things to different people. Then, is $550,000 enough then? At 65 and with maybe 20 odd years more to go… we probably need more when we are still healthy and can go about our way, meaning we might want to go on holiday now and then. As we get older, the desire to travel should probably decrease. However, healthcare cost on the other hand increases. I am not sure if S$550k will see us through then, comfortably I mean. For me, besides banging on CPF, which is on track to hit that “magical” number of S$550k, I am keeping up with various investment vehicles like stocks, properties, silver, etc. I am concerned about the current state of glob","text":"My retirement goal is obviously to live comfortably. However this statement by itself is problematic. What do I mean by comfortably? Comfort means different things to different people. Then, is $550,000 enough then? At 65 and with maybe 20 odd years more to go… we probably need more when we are still healthy and can go about our way, meaning we might want to go on holiday now and then. As we get older, the desire to travel should probably decrease. However, healthcare cost on the other hand increases. I am not sure if S$550k will see us through then, comfortably I mean. For me, besides banging on CPF, which is on track to hit that “magical” number of S$550k, I am keeping up with various investment vehicles like stocks, properties, silver, etc. I am concerned about the current state of glob","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":3,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/444904467390552","isVote":1,"tweetType":1,"viewCount":751,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":445305727225992,"gmtCreate":1749737763099,"gmtModify":1749738837728,"author":{"id":"4091884160412060","authorId":"4091884160412060","name":"Aqa","avatar":"https://community-static.tradeup.com/news/4a899a6e247bc68815d3a2da3b82a81a","crmLevel":11,"crmLevelSwitch":1,"followedFlag":false,"authorIdStr":"4091884160412060","idStr":"4091884160412060"},"themes":[],"htmlText":"<a href=\"https://ttm.financial/S/D05.SI\">$DBS(D05.SI)$&nbsp;</a> $550000 retirement nest egg estimated by DBS research is adequate for a retiree living simple and basic, with a monthly expenses&nbsp;of $1600 per month for 20 years. To live comfortably in Singapore, this amount needs to be supplemented by one's&nbsp;CPF savings, liquid assets and good medical insurance with a fully paid up accommodation such as a HDB flat. All of us should start early in saving and investing and be consistent. Thanks <a href=\"https://ttm.financial/U/9000000000000149\">@TigerStars</a>&nbsp; <a href=\"https://ttm.financial/U/3501196737273098\">@Tiger_comments</a>&nbsp; <a href=\"https://ttm.financial/U/4132300740238052\">@icycrystal</a>&nbsp;","listText":"<a href=\"https://ttm.financial/S/D05.SI\">$DBS(D05.SI)$&nbsp;</a> $550000 retirement nest egg estimated by DBS research is adequate for a retiree living simple and basic, with a monthly expenses&nbsp;of $1600 per month for 20 years. To live comfortably in Singapore, this amount needs to be supplemented by one's&nbsp;CPF savings, liquid assets and good medical insurance with a fully paid up accommodation such as a HDB flat. All of us should start early in saving and investing and be consistent. Thanks <a href=\"https://ttm.financial/U/9000000000000149\">@TigerStars</a>&nbsp; <a href=\"https://ttm.financial/U/3501196737273098\">@Tiger_comments</a>&nbsp; <a href=\"https://ttm.financial/U/4132300740238052\">@icycrystal</a>&nbsp;","text":"$DBS(D05.SI)$ $550000 retirement nest egg estimated by DBS research is adequate for a retiree living simple and basic, with a monthly expenses of $1600 per month for 20 years. To live comfortably in Singapore, this amount needs to be supplemented by one's CPF savings, liquid assets and good medical insurance with a fully paid up accommodation such as a HDB flat. All of us should start early in saving and investing and be consistent. Thanks @TigerStars @Tiger_comments @icycrystal","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":21,"commentSize":2,"repostSize":91,"link":"https://ttm.financial/post/445305727225992","isVote":1,"tweetType":1,"viewCount":3859,"authorTweetTopStatus":1,"verified":2,"comments":[{"author":{"id":"3582922989777578","authorId":"3582922989777578","name":"SPOT_ON","avatar":"https://static.tigerbbs.com/080f029371339d9db26930961de6adb1","crmLevel":11,"crmLevelSwitch":1,"authorIdStr":"3582922989777578","idStr":"3582922989777578"},"content":"put into cpf life as per norm with FRS , we are guaranteed around $1900 per income for whole life for my cohort RA account in 2027","text":"put into cpf life as per norm with FRS , we are guaranteed around $1900 per income for whole life for my cohort RA account in 2027","html":"put into cpf life as per norm with FRS , we are guaranteed around $1900 per income for whole life for my cohort RA account in 2027"}],"imageCount":0,"langContent":"EN","totalScore":0},{"id":445675596730672,"gmtCreate":1749831630395,"gmtModify":1749835274273,"author":{"id":"3575420342405162","authorId":"3575420342405162","name":"MarkN","avatar":"https://static.tigerbbs.com/99ad375a87341ac6ee6e1e5a9fe435c3","crmLevel":12,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3575420342405162","idStr":"3575420342405162"},"themes":[],"htmlText":"$550k to retire is doable. If you look at the CPF Life estimates for $550k on the Escalating Plan (to fight inflation). Assuming you put $550k into CPF Life at 55 years of age this year, it will give you $3340/month at age 65, $4970 at age 75 etc. That should be sufficient to cover basic expenses with some leftover. I suppose there are some assumptions needed, eg you own your home and will not outlive it, you don't have dependents after retiring etc.","listText":"$550k to retire is doable. If you look at the CPF Life estimates for $550k on the Escalating Plan (to fight inflation). Assuming you put $550k into CPF Life at 55 years of age this year, it will give you $3340/month at age 65, $4970 at age 75 etc. That should be sufficient to cover basic expenses with some leftover. I suppose there are some assumptions needed, eg you own your home and will not outlive it, you don't have dependents after retiring etc.","text":"$550k to retire is doable. If you look at the CPF Life estimates for $550k on the Escalating Plan (to fight inflation). Assuming you put $550k into CPF Life at 55 years of age this year, it will give you $3340/month at age 65, $4970 at age 75 etc. That should be sufficient to cover basic expenses with some leftover. I suppose there are some assumptions needed, eg you own your home and will not outlive it, you don't have dependents after retiring etc.","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/445675596730672","isVote":1,"tweetType":1,"viewCount":1871,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":444932332400712,"gmtCreate":1749650173533,"gmtModify":1749650178671,"author":{"id":"4100833454173050","authorId":"4100833454173050","name":"DiAngel","avatar":"https://community-static.tradeup.com/news/f7c2ee91188421bf874cdbc97fb77886","crmLevel":11,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"4100833454173050","idStr":"4100833454173050"},"themes":[],"htmlText":"I don’t think we should determine what lifestyle we need but rather save as much as you could. Need to bear in mind of the inflation and high cost of living. $1600 or $2800 or $4000 is just a figure. It doesn’t mean that we need to spend every single cents. There will be some overflow to next month. I hope to be 🟣 as I love purple colour. [LOL][Happy][Smile][Chuckle] <a href=\"https://ttm.financial/U/4091758936365950\"> @MHh </a><a href=\"https://ttm.financial/U/4123471905369072\"> @melson </a><a href=\"https://ttm.financial/U/3581735774790928\"> @HelenJanet </a><a href=\"https://ttm.financial/U/3574671931921507\"> @Wayneqq </a><a href=\"https://ttm.financial/U/4100927749199030\"> @rL </a>","listText":"I don’t think we should determine what lifestyle we need but rather save as much as you could. Need to bear in mind of the inflation and high cost of living. $1600 or $2800 or $4000 is just a figure. It doesn’t mean that we need to spend every single cents. There will be some overflow to next month. I hope to be 🟣 as I love purple colour. [LOL][Happy][Smile][Chuckle] <a href=\"https://ttm.financial/U/4091758936365950\"> @MHh </a><a href=\"https://ttm.financial/U/4123471905369072\"> @melson </a><a href=\"https://ttm.financial/U/3581735774790928\"> @HelenJanet </a><a href=\"https://ttm.financial/U/3574671931921507\"> @Wayneqq </a><a href=\"https://ttm.financial/U/4100927749199030\"> @rL </a>","text":"I don’t think we should determine what lifestyle we need but rather save as much as you could. Need to bear in mind of the inflation and high cost of living. $1600 or $2800 or $4000 is just a figure. It doesn’t mean that we need to spend every single cents. There will be some overflow to next month. I hope to be 🟣 as I love purple colour. [LOL][Happy][Smile][Chuckle] @MHh @melson @HelenJanet @Wayneqq @rL","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":5,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/444932332400712","isVote":1,"tweetType":1,"viewCount":722,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":445234527199336,"gmtCreate":1749702951573,"gmtModify":1749702954782,"author":{"id":"3582016806381680","authorId":"3582016806381680","name":"mrGood","avatar":"https://static.tigerbbs.com/c8d811a4d8339817ef97eeaa606cd7e0","crmLevel":12,"crmLevelSwitch":1,"followedFlag":false,"authorIdStr":"3582016806381680","idStr":"3582016806381680"},"themes":[],"htmlText":"<a href=\"https://ttm.financial/S/D05.SI\">$DBS(D05.SI)$&nbsp;</a> I would focus on building up cashflow (i.e. dividend) for my retirement. I would use a major portion of my work income for dividend stocks. At the same time, a smaller portion will go into growth stocks for capital appreciation. The gains and dividend&nbsp;will be used to buy more dividend stocks.","listText":"<a href=\"https://ttm.financial/S/D05.SI\">$DBS(D05.SI)$&nbsp;</a> I would focus on building up cashflow (i.e. dividend) for my retirement. I would use a major portion of my work income for dividend stocks. At the same time, a smaller portion will go into growth stocks for capital appreciation. The gains and dividend&nbsp;will be used to buy more dividend stocks.","text":"$DBS(D05.SI)$ I would focus on building up cashflow (i.e. dividend) for my retirement. I would use a major portion of my work income for dividend stocks. At the same time, a smaller portion will go into growth stocks for capital appreciation. The gains and dividend will be used to buy more dividend stocks.","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":14,"commentSize":0,"repostSize":22,"link":"https://ttm.financial/post/445234527199336","isVote":1,"tweetType":1,"viewCount":2270,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":446170682188144,"gmtCreate":1749905565089,"gmtModify":1749909518940,"author":{"id":"4103505618857970","authorId":"4103505618857970","name":"Tigerwong","avatar":"https://static.itradeup.com/news/117d896e04ecaa5155e012726668c759","crmLevel":11,"crmLevelSwitch":1,"followedFlag":false,"authorIdStr":"4103505618857970","idStr":"4103505618857970"},"themes":[],"htmlText":"My retirement goal is to live comfortably while I will max out my CPF life which will give me more than 3K monthly when I reached 65 and my endowment plan will give me another 2k. Investing my spares in income generating equities such as banks and REITs will provide the buffer needed to go for holidays and other purposes expense.","listText":"My retirement goal is to live comfortably while I will max out my CPF life which will give me more than 3K monthly when I reached 65 and my endowment plan will give me another 2k. Investing my spares in income generating equities such as banks and REITs will provide the buffer needed to go for holidays and other purposes expense.","text":"My retirement goal is to live comfortably while I will max out my CPF life which will give me more than 3K monthly when I reached 65 and my endowment plan will give me another 2k. Investing my spares in income generating equities such as banks and REITs will provide the buffer needed to go for holidays and other purposes expense.","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/446170682188144","isVote":1,"tweetType":1,"viewCount":1289,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":445992754696832,"gmtCreate":1749909239739,"gmtModify":1749909518821,"author":{"id":"3570949346174133","authorId":"3570949346174133","name":"TCC1970","avatar":"https://community-static.tradeup.com/news/ab18122b01c463b35405e31e2cb2e456","crmLevel":12,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3570949346174133","idStr":"3570949346174133"},"themes":[],"htmlText":"Not forgetting the assumption did not take into healthcare cost. If you try out the CPF website Health care financing planner, you will realise that as one aged, the MediShield premium will increase at a rate of about 9% every year. Hope the projection is on the high side while the actual increase in premium is lower than 9%.","listText":"Not forgetting the assumption did not take into healthcare cost. If you try out the CPF website Health care financing planner, you will realise that as one aged, the MediShield premium will increase at a rate of about 9% every year. Hope the projection is on the high side while the actual increase in premium is lower than 9%.","text":"Not forgetting the assumption did not take into healthcare cost. If you try out the CPF website Health care financing planner, you will realise that as one aged, the MediShield premium will increase at a rate of about 9% every year. Hope the projection is on the high side while the actual increase in premium is lower than 9%.","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/445992754696832","isVote":1,"tweetType":1,"viewCount":984,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":445136368824984,"gmtCreate":1749699813477,"gmtModify":1749699817846,"author":{"id":"3582922989777578","authorId":"3582922989777578","name":"SPOT_ON","avatar":"https://static.tigerbbs.com/080f029371339d9db26930961de6adb1","crmLevel":11,"crmLevelSwitch":1,"followedFlag":false,"authorIdStr":"3582922989777578","idStr":"3582922989777578"},"themes":[],"htmlText":"it can be much lesser than that if we can lead a much frugal life . however the retirement amount , we have to sure we have limited or no more hefty financial obligations to pay monthly , so it has to be a nett amount to be truely&nbsp; F.I.R.E.Once no more liabilities then we can sleep in peace","listText":"it can be much lesser than that if we can lead a much frugal life . however the retirement amount , we have to sure we have limited or no more hefty financial obligations to pay monthly , so it has to be a nett amount to be truely&nbsp; F.I.R.E.Once no more liabilities then we can sleep in peace","text":"it can be much lesser than that if we can lead a much frugal life . however the retirement amount , we have to sure we have limited or no more hefty financial obligations to pay monthly , so it has to be a nett amount to be truely F.I.R.E.Once no more liabilities then we can sleep in peace","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":5,"commentSize":2,"repostSize":0,"link":"https://ttm.financial/post/445136368824984","isVote":1,"tweetType":1,"viewCount":426,"authorTweetTopStatus":1,"verified":2,"comments":[{"author":{"id":"4184154705452342","authorId":"4184154705452342","name":"Annejaz","avatar":"https://community-static.tradeup.com/news/512abd64827ffbba6000b6e777d0de7b","crmLevel":12,"crmLevelSwitch":0,"authorIdStr":"4184154705452342","idStr":"4184154705452342"},"content":"A life with no debt is a peaceful life.😅","text":"A life with no debt is a peaceful life.😅","html":"A life with no debt is a peaceful life.😅"}],"imageCount":0,"langContent":"EN","totalScore":0},{"id":444981186548080,"gmtCreate":1749644783032,"gmtModify":1749644787751,"author":{"id":"3574752437126777","authorId":"3574752437126777","name":"1PC","avatar":"https://community-static.tradeup.com/news/d93d931cb700e24c910644542320e877","crmLevel":12,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3574752437126777","idStr":"3574752437126777"},"themes":[],"htmlText":"My retirement goal is the Moderate Lifestyle&nbsp; 💪 hence practicing &amp; tweeting the strategy with Tiger 🐯 Platform on my journey ❤️💕. Less saving currently other than the \"Needs\" , transfer most of the 💰 into Tiger 🐯🐅 [OMG]<a href=\"https://ttm.financial/U/4151413087238732\"> @Jes86188 </a><a href=\"https://ttm.financial/U/3570103090255456\"> @JC888 </a><a href=\"https://ttm.financial/U/3581734406950755\"> @Shyon </a><a href=\"https://ttm.financial/U/3560184106659134\"> @Shernice軒嬣 2000 </a><a href=\"https://ttm.financial/U/4171900329979952\"> @Barcode </a><a href=\"https://ttm.financial/U/3559581955535845\"> @koolgal </a><a href=\"https://ttm.financial/U/4145797693007212\"> @yourcelesttyy </a>","listText":"My retirement goal is the Moderate Lifestyle&nbsp; 💪 hence practicing &amp; tweeting the strategy with Tiger 🐯 Platform on my journey ❤️💕. Less saving currently other than the \"Needs\" , transfer most of the 💰 into Tiger 🐯🐅 [OMG]<a href=\"https://ttm.financial/U/4151413087238732\"> @Jes86188 </a><a href=\"https://ttm.financial/U/3570103090255456\"> @JC888 </a><a href=\"https://ttm.financial/U/3581734406950755\"> @Shyon </a><a href=\"https://ttm.financial/U/3560184106659134\"> @Shernice軒嬣 2000 </a><a href=\"https://ttm.financial/U/4171900329979952\"> @Barcode </a><a href=\"https://ttm.financial/U/3559581955535845\"> @koolgal </a><a href=\"https://ttm.financial/U/4145797693007212\"> @yourcelesttyy </a>","text":"My retirement goal is the Moderate Lifestyle 💪 hence practicing & tweeting the strategy with Tiger 🐯 Platform on my journey ❤️💕. Less saving currently other than the \"Needs\" , transfer most of the 💰 into Tiger 🐯🐅 [OMG] @Jes86188 @JC888 @Shyon @Shernice軒嬣 2000 @Barcode @koolgal @yourcelesttyy","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":2,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/444981186548080","isVote":1,"tweetType":1,"viewCount":283,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0}]}