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Personal Financial Management for Living Life

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What Shall We Do About VERS?

  • November 21, 2025
  • CPF
  • Personal Finance
  • Withdrawal

CPF LIFE in 2025: What Has Changed and What Has Not

  • June 22, 2025
  • Investing
  • Personal Finance
  • Withdrawal

Some new thinking on the Safe Withdrawal Rate

  • May 25, 2025
Does borrowing help the 4 percent rule to overcome Sequence Risk?
  • Investing
  • Saving
  • Withdrawal

Does borrowing help the 4 percent rule to overcome Sequence Risk?

  • May 8, 2020
  • 3
Does the 4 percent rule work with the S&P500?
  • Investing
  • Saving
  • Withdrawal

Does the 4 percent rule for FIRE work with the S&P500?

  • April 29, 2020
  • 11
Term Life Insurance (2): How much does it cost to insure my life?
  • Insurance

Term Life Insurance (2): How much does it cost to insure my life?

  • April 20, 2020
  • 7
Where does the money come from and where does it go
  • CPF
  • Insurance
  • Investing
  • Property
  • Saving
  • Spending

How much will I spend in Retirement? (2) Where does the money come from, and where does it go?

  • April 10, 2020
  • 10
How much will I spend in retirement?
  • Investing
  • Saving
  • Spending

How much will I spend in Retirement?

  • March 27, 2020
  • 6
A Yield Shield Portfolio for 2020
  • Investing
  • Saving
  • Withdrawal

A Yield Shield Portfolio for 2020

  • March 13, 2020
  • 8
Using Term Life for Bequest
  • Insurance
  • Saving
  • Withdrawal

Term Life Insurance (1) : Using Term Life for a Bequest – Is it worth it?

  • February 29, 2020
  • 2
CPF Life Update for 202
  • CPF
  • Insurance
  • Saving
  • Withdrawal

CPF Life: An Update for 2020

  • February 12, 2020
  • 11
HDB lease decay
  • CPF
  • Investing
  • Property
  • Saving

What’s the Value of my Leasehold HDB (3)? Dealing with HDB Lease Decay

  • January 22, 2020
  • 16
What's the value of my leasehold condominium?
  • Investing
  • Property
  • Saving

What’s the Value of my Leasehold Condominium (2)? Is freehold better or leasehold?

  • January 10, 2020
  • 11
Value of Leasehold Condo
  • Investing
  • Property
  • Saving

What’s the Value of my Leasehold Condominium (1)? Revisiting Mr Bala’s Table

  • December 13, 2019
  • 8
Life Insurers Lowering Projected Investment Returns
  • CPF
  • Insurance
  • Investing
  • Saving

Risks, Costs and Returns for Whole Life Insurance Funds

  • December 12, 2019
  • 7
Risk and returns for CPFIS
  • CPF
  • Investing
  • Saving

Risk, costs, and returns in CPF Investment Scheme Funds

  • December 6, 2019
  • 1
Risk and Investment Returns
  • CPF
  • Investing
  • Saving

What does Risk do to your Investment Returns? Is there a free lunch?

  • November 22, 2019
  • 10
Product Allocation in Personal Finance
  • CPF
  • Insurance
  • Investing
  • Saving
  • Withdrawal

Product Allocation – The Key to Personal Financial Planning

  • November 11, 2019
  • 5
Retirement Goals
  • CPF
  • Insurance
  • Investing
  • Saving
  • Withdrawal

Retirement Goals, and How to Get There

  • October 29, 2019
  • 9
Target Date Funds and Bond Tents
  • Investing
  • Saving
  • Withdrawal

Do Target Date Funds and the Bond Tent work for Retirement in Singapore?

  • September 28, 2019
  • 3
Yield Shield 4 percent rule CPF Life
  • CPF
  • Investing
  • Saving
  • Withdrawal

The Yield Shield, 4 Percent Rule and CPF Life – A Perfect Retirement Combo?

  • September 16, 2019
  • 17
Yield Shield
  • Investing
  • Saving
  • Withdrawal

Does the Yield Shield protect retirement finances?

  • August 30, 2019
  • 14
Sequence of Returns Risk
  • Investing
  • Saving
  • Withdrawal

How Sequence of Returns Risk Messes Up Retirement and the 4 percent rule

  • August 16, 2019
  • 25
4 ways the 4 percent rule can work in Singapore
  • CPF
  • Investing
  • Saving
  • Withdrawal

4 ways the 4 percent rule can work in Singapore

  • July 29, 2019
  • 11
Does the 4 percent rule work in Singapore
  • Investing
  • Saving
  • Withdrawal

Does the 4 percent rule work in Singapore?

  • July 12, 2019
  • 17
4 percent rule for financial independence
  • Investing
  • Saving
  • Withdrawal

The 4 percent rule for Financial Independence

  • July 8, 2019
  • 27
How does an annuity work?
  • Insurance
  • Investing
  • Saving
  • Withdrawal

How does an annuity work?

  • June 30, 2019
  • 12
CPF Life: Should I defer the payouts to age 70?
  • CPF
  • Saving
  • Withdrawal

CPF Life: Should I defer the payouts to age 70?

  • June 18, 2019
  • 14
CPF LIFE 2022
  • CPF
  • Saving
  • Withdrawal

CPF Life: Is it a worthwhile investment?

  • June 11, 2019
  • 22
CPF Life
  • CPF
  • Saving
  • Withdrawal

CPF Life: A Primer on Retirement

  • May 16, 2019
  • 14
  • Personal Finance

The Life Finance Blog is Up and Running!

  • May 16, 2019
  • 0

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