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Institute for financial literacy financial health clinic

Start with these tips

Visualise clear, achievable lifestyle goals
Visualise clear, achievable lifestyle goals

Think about what your best life looks like to you. Reflect on what you enjoy doing and how you will like to spend time with those who matter. Use the CPF Planner to estimate the desired retirement income you need to support your ideal lifestyle.

  

Prioritise needs over wants
Prioritise needs over wants

Even with a clearer idea of your desired lifestyle, you should still ensure you have enough for your essentials first. If you are uncertain how to differentiate between needs and wants, it is a good idea to get guidance on how to better manage your budget and financial goals.

  

Plan for the long term too
Plan for the long term too

Planning your finances to settle well into a meaningful retirement also takes into consideration changing circumstances, as you move into different life milestones. Speaking with a trusted and experienced loved one or professional can help you navigate with greater certainty.

  

Speak to an Institute for Financial Literacy Trainer

Make an appointment with a trainer from the Institute for Financial Literacy (IFL), MoneySense's ground outreach arm, for a personalised consultation to kickstart your financial planning journey.

Make an appointment

*This free consultation is a MoneySense initiative, and is not affiliated with CPF Board.
There will not be promotion of any financial products and services.

Start planning now

CPF Planner

Have a goal in mind? Use the CPF Planner to project your CPF savings to see how close you are, and how much more you may need to support your desired retirement income.

Make a cash top-up

Start building your retirement funds by topping up early. The earlier you start, the more your savings can grow into higher payouts to support your goals.