1 Jun 2026
SOURCE: CPF Board
How do you envision yourself in your golden years?
Hear stories, tips, goals, and plans for the road ahead from Singaporeans like you, along with the resources and tools that have helped them get there. We hope their journeys can inspire yours.
In their own words: Singaporeans and their financial goals
Me and my wife wanted to make sure that we could provide a comfortable and secure life for our children, even with only one income. We discussed our budget, our savings, our investments, and our contingency plans. We also set some financial goals, such as owning a house, saving for retirement, and having an emergency fund. Lastly, we agreed that we would review our financial situation regularly and make adjustments as needed.
– Saiful, 40
Like many of our peers, settling our HDB loan is currently one of our biggest financial commitments. Our goal is to pay it off in five years so that we can focus more on planning for our retirement. To us, the most ideal form of retirement is having enough money to take care of ourselves while having room to pursue other interests like travelling and volunteering. For anyone with a similar goal of relaxing in their golden years, I'd recommend starting to save today to make use of compound interest.
While [my husband] and I have money invested, the CPF interest rates of up to 5% are a safe return that we feel helps us build our retirement nest egg — and sleep better at night."
– Elizabeth, 32
Buying your first home is an exciting time! But amidst the house hunting, finances can easily become a source of friction. Navigate the home planning together, in harmony, with the help of useful tools such as the CPF Home Purchase Planner – where you can estimate the property price and amount of housing loan you can afford.
– Yasmeen, 25
Our "Journey to Retirement" limited edition plushies
From left to right: Nellie the Egg, Calvin the Calculator, Bella the Umbrella, Kenny the Key, and Tina the Tingkat
In our journey to retirement, we might get derailed by distractions or bumps along the way, and that can be stressful for even the best of us. But you don’t have to go about it alone! Let Nellie the Nest Egg and her group of friends be your constant companions to encourage you on your journey. We hope this little gift can be a good way to remind you to keep at our retirement goals, no matter what life brings.
Thank you to all of you who have submitted tips and suggestions how we can all better plan for our retirement! Check out if you have won our limited edition plushie keychain here from July!
Information in this article is accurate as at the date of publication.
