The Retirement Planning Bundle
The 10-year transition from accumulation to drawdown
For Singaporeans 40+. Nine chapters and a bundled CPF/SRS spreadsheet that take you year-by-year from S$300k–S$1.5M of investable assets through the 55 reshuffle, CPF LIFE plan choice, and the 10-year drawdown plan.
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A premium Singapore retirement playbook for ages 40–65. Covers the real number you need (BRS / FRS / ERS / FIRE math), CPF as your bond ladder, the 55 reshuffle decoded, CPF LIFE plan choice with sensitivity tables, SRS withdrawal optimisation, tax-efficient portfolio drawdown, property as a retirement asset, healthcare into your 70s, and a year-by-year transition checklist. Bundled CPF/SRS spreadsheet projects retirement income across plan choices and asset tiers.
- check_circle9 chapters covering retirement number math, CPF as bond ladder, the 55 reshuffle, CPF LIFE plan choice, SRS withdrawal optimisation, drawdown investing, property monetisation, healthcare, and the 10-year transition checklist
- check_circleBundled CPF/SRS retirement spreadsheet — projects monthly income from 55 to 90 across CPF LIFE plans, SRS drawdown patterns, and asset tiers (S$300k / S$800k / S$1.5M)
- check_circle"Your Numbers" worksheet at the end of every chapter
- check_circleDecision frameworks for the choices that matter most (LIFE plan, SRS timing, rightsizing, when to stop working)
- check_circleAnnual January update memo when CPF Board adjusts BRS/FRS/ERS, payout rates, and rules
- check_circle7-day no-questions-asked refund
Founding-reader price
S$49
First 100 readers — bundle at S$49 (regular S$69).
Education only — not financial advice. Verify every figure against the official source before you commit a dollar.
What you'll learn
By the end of the book, you'll be able to:
- flagCalculate your real retirement number across BRS / FRS / ERS / 25× FIRE tiers — not a generic "S$1M" estimate.
- account_balanceSee why CPF's guaranteed 4% beats most fixed-income strategies, and when to deliberately overfund it.
- switch_access_shortcutWalk into your 55th birthday with the SA→RA transfer, FRS top-up, and OA strategy already on paper.
- how_to_voteChoose Standard / Basic / Escalating CPF LIFE with a sensitivity table for longevity, bequest, and inflation.
- scheduleTime SRS withdrawals across the 10-year window to minimise tax — including the foreigner edge case.
- show_chartBuild a tax-efficient SG drawdown portfolio (REITs, ETFs, dividends) with sequencing logic.
- home_workDecide rightsizing, HDB silver bonus, and reverse mortgage with the actual numbers — not the marketing copy.
- health_and_safetyPlan MediShield Life + IP + CareShield premiums into your 70s with a scenario for chronic-illness drawdown.
- checklist_rtlRun a year-by-year transition checklist from age 55 through 75.
Pairs with these free calculators
The math is already on the site. The book helps you decide what to do with it.
Frequently asked
Honest answers before you buy.
I'm 42 — is it too early to buy this?expand_more
40s is when this book pays back the most. The 55 reshuffle, CPF LIFE plan choice, and SRS strategy all need 10+ year runways to optimise — and the spreadsheet lets you project the cost of inaction. If you're under 35 with under S$200k of investable assets, the "CPF for Real Life" book is the better starting point.
I'm already 58 — is this still useful?expand_more
Yes. Chapters 3–5 (the 55 reshuffle, CPF LIFE choice, SRS withdrawal) are the highest-value chapters at your age. The CPF LIFE plan decision is permanent once made — getting it right is worth far more than S$69.
Does it assume I've done CPF top-ups already?expand_more
No. Chapter 2 covers CPF as a bond ladder including the case for top-ups vs alternatives. The book works whether you've done nothing or maxed out for 20 years — it just changes which chapters you spend the most time in.
Will it work for someone with mostly property wealth and limited CPF?expand_more
Yes. Chapter 7 covers property as a retirement asset — rightsizing, HDB silver bonus, rental, reverse mortgage, lease decay. Combined with chapters 1, 6, and 8, this becomes the primary playbook for property-heavy retirement plans.
Refund policy?expand_more
7-day no-questions-asked refund. Run the spreadsheet against your real CPF balances and SRS — if it doesn't earn its S$49, mail us back.