My Mother Chose Certainty Over Higher Returns In Retirement
Last year, David’s mother topped up her CPF Retirement Account to the Enhanced Retirement Sum, giving up liquidity and the chance of higher returns elsewhere. David looks at why she chose it, and at the two problems he sees most often among Singaporeans approaching retirement: how to draw down assets safely, and how much is actually safe to spend each month. Both come back to certainty of income, one of the three Cs behind Havend’s RetireSURE approach.
Full Retirement Sum (FRS) 2026: Why a Good Salary Isn’t Enough
A friend, 40-something with a decent salary, was convinced he’d miss his Full Retirement Sum. The real numbers told a different story, and revealed a few things most people miss about how CPF actually works in their favour.
“Just Take BRS and Invest the Rest?” Here’s What I Told My Mother-in-Law Over Kopi
Learn how to build a strong insurance foundation in your 20s, prioritising income protection, term plans, and critical illness coverage.
CPF Enhanced Retirement Sum (ERS): Why Topping Up Isn’t Always the Right Move
Learn how to build a strong insurance foundation in your 20s, prioritising income protection, term plans, and critical illness coverage.
Singapore’s Retirement Paradox: You Could Have $10,000 a Month in Retirement Income and Still Not Feel Secure
Singapore’s Retirement Paradox: You Could Have $10,000 a Month in Retirement Income and Still Not Feel Secure. | Havend Here’s a question worth sitting with: if 73% of Singaporeans expect to keep working past the official retirement age,1 and among high-income earners, nearly half (48%) say it’s not by choice, working longer out of financial […]
Three Years In. Introducing RetireSURE.
Three years ago, we started Havend with one conviction: that insurance advice should be free from sales conflict and clients deserve a better experience. Today, on Havend’s third birthday, we mark this milestone with something we have spent the past year building, refining, and believing in — RetireSURE, our retirement planning service. Let me start […]
Case Study: From CPF to Annuities – How Selene Built a Stable Retirement Income in Singapore
How Selene Built a Stable Retirement Income in Singapore
3 Retirement Income Strategies: What You Need to Know to Prepare
Discover 3 key retirement income strategies to help you retire with confidence in Singapore. Learn how to estimate your monthly expenses, structure reliable income streams, and balance essential needs with lifestyle wants.