TCThomas Chai · CFP
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Retirement and protection planning, Singapore

Every plan has to answer both. Tap a question, type your age, and see your own years. Then plan the rest with a Certified Financial Planner who builds retirement income in three levels.

years old.

Thomas Chai Kian Teck, CFP® · MAS Rep. No. CKT300001354 · English and Mandarin

Your life, one square a yearlivedworkingretiredpast 88

35 years

after 65 that your money has to pay for. 12 of them come after 88, the age most plans quietly stop counting. Will it last as long as you do?

Two minutes, no sign-up; your answers stay on your device. Average ages at 65: men 85, women 88. Life expectancy at 65: Singapore Department of Statistics, Complete Life Tables 2024-2025.

Retirement income

Built in three levels.

The money you can least afford to lose sits at the bottom and carries the least risk. A bad market year touches only the top level, so you never have to sell at the wrong time to pay the bills.

Start with your CPF
  1. Level 3 · GrowthNot guaranteedInvestments that grow ahead of prices. The level that flexes in a bad year.
  2. Level 2 · IncomeFor a set periodEndowments and annuities. Often the bridge from stopping work to CPF LIFE.
  3. Level 1 · CPF LIFEFor lifePaid every month whatever markets do. The floor everything else stands on.

How we work

Four steps. You decide at each one.

Nothing is sold at the first meeting, and every recommendation comes in writing, with its cost.

  1. Try What If

    Your own numbers, on the same screens I use when we meet. Nobody calls you after.

  2. A first conversation

    We look at both answers together. You leave knowing whether a full plan is worth doing. No charge.

  3. Your plan

    Step by step to the CFP standard: the gaps, what I recommend and why, and what it costs, agreed in writing first.

  4. Every year

    A review on four simple screens: what changed, your cover, your income to 100, and what is done.

Guides

Read first, if you like.

The basics that don’t change much, each with its sources.

Your CPFWhat happens at 55, what each retirement sum pays for life, and the gap above it.How I investOne core, five ratios, every goal. The plan comes before the portfolio.SRSTax saved going in, tax paid coming out, and the net result on one page.The Two RisksEight steps, each with a test you can answer yourself.

Start with your own numbers.

Two minutes, no sign-up. Your answers stay on your device.

What if I live to 100?What if something happens to me?Or book a first conversation