As above.
Your experience in preparing for your retirement.
Not for say , real action.
For lower middle incomes like me. Get cheap or free 2nd bto.
This help to preserve cpf or wealth.
Invest the rest. Into stocks, high interests savings and some bonds.
Once cpf ramp into 5 digits interests... FRS is not too far away.
Don't over estimate how much you need during your retirement years. Like mnay here... 3m/5m.
Money don't matter much for elderly anymore. Don't tell me need 300-500k for medical... Once you need that...actually no more runway...
Remember come here crying... Leave with a smile. Learn to spend more time with you loved ones...