Many of us share a common goal: We seek higher returns in hope to secure a comfortable future, but at the same time, we want to protect our hard-earned savings from excessive exposure to market volatility or unpredictable downturns. Striking the right balance can be challenging.
That’s why at Havend, we developed the CPF-Optimised Retirement Essentials (CORE) assessment.
In today’s world, there’s no shortage of retirement strategies promising reliable income in our later years. Options like the 4% rule, bond laddering, dividend investing, rental income, private annuities, and more all claim to be the key to financial security in retirement.
However, each of these strategies comes with its own set of complexities and risks. Even within private annuities alone, the array of choices from various insurers can make it incredibly difficult to know which one is the best fit for your unique financial situation and retirement goals.
With so many options and conflicting advice, it’s easy to feel overwhelmed and unsure about which path to take.
1. CASHFLOW MANAGEMENT
2. COVERAGE MANAGEMENT
3. CPF MANAGEMENT
Once we have established your retirement foundation, you can move forward confidently, knowing that any extra funds can be invested or used for other financial opportunities, all while having a safety net to fall back on.
We ensure that you won’t overspend by focusing only on the retirement essentials. It’s about finding the right balance, and we’re here to support you every step of the way.
For example, if you’re aiming for a monthly payout of $3,300 in retirement, does it really make sense to top up your CPF to the Enhanced Retirement Sum, which currently stands at $426,000—almost half a million? When does it make sense and when does it not?
Additionally, while the Basic Retirement Sum, Full Retirement Sum, and Enhanced Retirement Sum serve as general guidelines, the actual amount one can contribute is flexible and can fall anywhere between this range—this is where Havend can truly add value.
Ensuring you never run out of money in retirement.
To determine the ideal portion of your retirement foundation to rely on CPF LIFE.
Of how much additional funding you may need to supplement CPF LIFE with the right retirement income products.
Carefully filtered to meet our stringent criteria, ensuring you only receive what’s best for you.
With no upselling, just what you truly need.
At Havend, we believe in the value of CPF. It’s one of the most powerful tools Singaporeans have to build a secure retirement. While the Central Provident Fund Board (CPFB) site is rich in content and helpful tools, there hasn’t been a guide that turns these resources into something practical and easy to apply to real-life financial planning.
That’s why we created The CPF Playbook to empower Singaporeans to make sense of CPF, not as policy experts, but as financial planners who’ve walked this journey with thousands of clients. This practical guide is based on real-life financial planning experience and translates everything into clear, actionable advice you can actually use.
Download The CPF Playbook below today, our small gift to Singapore for her 60th birthday and to celebrate CPF’s 70th anniversary!
Free Download
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Receive a sound retirement income solution, focusing only on the retirement essentials, with clear guidance on optimising your CPF monies, with our CPF-Optimised Retirement Essentials (CORE) assessment.