TCThomas Chai · CFP
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Clear thinking on money

Start with the guides: the basics that don't change much. Then the articles, on what does.

The guides

Your CPFCPF LIFE is the base. What sits on top is up to you.What happens at 55, what each retirement sum pays for life, the three CPF LIFE plans, and the gap above them.Read the guide →How I investOne core. Five ratios. Every goal.Two building blocks, shares and bonds; only the ratio changes. The plan comes before the portfolio.Read the guide →SRSTax saved going in, tax paid coming out.What a contribution saves this year, what the account could grow to, and how to take it out at the lowest tax.Read the guide →The Two RisksTwo risks, eight steps, and a test for each one.The order a plan is built in, and how to check where you stand, step by step.Read the guide →

Articles

Retirement

Your Retirement Isn't a Number. It's a Paycheck.

Everyone asks how big their retirement pot should be. It's the wrong question. Here's the one that actually matters — and why it changes how you plan.

1 August 2026 · 5 min read →