Retirement Planning · Singapore

If you haven't quantified your retirement need, you're not planning — you're guessing.

Calculate your gap, map your strategy, and build with clarity.

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Takes 3 minutes. No sign-up required.

The Problem

Two problems — often confused as one.

Asset Question
"I have SGD 500,000 — how should I allocate it?"

Most retirement conversations start here. But allocating assets well does not automatically answer the harder question: how much cashflow will they actually produce, and for how long?

Cashflow Question
"I need SGD 4,000 a month — where does it come from?"

How much to top up CPF, how much into SRS, how much to hold as a buffer — these depend on your cashflow need, not just your asset size. The sequence matters as much as the amount.

"Most people are solving one. A complete retirement plan has to answer both."

A Different Way to Think

A retirement plan has to do two things at once.

It has to generate cashflow — income that arrives regularly and covers essential spending without forcing you to decide each month what to sell. And it has to protect an asset base — a pool that gives you flexibility, resilience, and the ability to handle what you cannot predict. Most plans focus almost entirely on building the second, and treat the first as something that will sort itself out. It rarely does.

"It is the difference between feeling retired and feeling as if you are slowly running out."

The Framework

The structure of retirement income

A mental model for understanding how each part of your plan contributes — and where the gaps appear.

Apple Tree retirement income framework: roots represent CPF and SRS foundation, trunk represents promised income, fruits represent growth investments, fence represents liquidity and protection, and land represents property

"You don't need every part to be equally large. You need to know which part is missing — and which role it is meant to play."

The Tool

RetireMap quantifies your retirement need.

See your numbers — not projections built on assumptions someone else made for you.

Current projected cashflow

What your existing CPF, policies and assets will generate at retirement.

Required cashflow

The monthly amount you actually need, based on your lifestyle and goals.

The gap between both

The shortfall you need to close — and the timeframe you have to close it.

No product push. No email gate. Clarity first.

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Who's Behind This

This site is written and maintained by one person — Mia Ong, ChFC®/S, a financial adviser representative with Phillip Securities Singapore, in financial services since 2011.

How this site works, credentials, and how to reach me →
Get Started

Start with your need — not assumptions.

RetireMap gives you a clear picture of your retirement cashflow in 3 minutes. No product pitch. No email required.

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Limited availability

Tranches — short-term guaranteed returns.

A capital parking tool. Not a retirement income solution.

Fixed-return instruments with limited availability and short opening windows. Suitable for assets that need a home while you plan the next step. This sits outside the core retirement planning journey.

Flagship series: Singlife Secure Saver — 11 tranches since 2020, cash or SRS eligible.

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