CPF-Optimised Retirement Essentials (CORE) assessment

Secure Your “Die-Die-Must-Have”
Retirement Funds, With Zero Upselling

When it comes to retirement, you don’t want to take risks, but you don’t want to be unprepared either.

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.

Focusing Only on the Retirement Essentials

At Havend, after months of extensive research and drawing on our collective experience advising retiree clients at our sister company, Providend, we have developed an approach that empowers everyday individuals to build a sound retirement income plan, without the need for market investments or exposure to volatility.

The 3Cs

Our approach is kept simple yet thorough and resilient with the 3 Cs

1. CASHFLOW MANAGEMENT

Ensuring a steady and reliable income stream to support your financial needs throughout retirement.

2. COVERAGE MANAGEMENT

Aligning your insurance with retirement needs, focusing on Integrated Shield Plans and Long-Term Care Plans for complete protection in your retirement years.

3. CPF MANAGEMENT

Optimising your retirement through CPF LIFE while growing your CPF savings faster.

THIS RETIREMENT INCOME PLAN SERVES AS THE FOUNDATION OF YOUR RETIREMENT-WHAT WE IN SINGAPORE WOULD CALL

The "die-die-must have" retirement funds

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.

Optimising CPF First Before Anything Else.

While there is plenty of information available about CPF, most resources focus on explaining its features without offering clear, personalised guidance.

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.

Here’s what you can expect:

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.

Our service promise

A Safe Haven for You

After completing our CORE assessment, you will walk away with a well-crafted retirement income plan considering your liquidity needs, risk profile, and personal preferences.

We will always first optimise your CPF, assess if it’s sufficient to form a solid retirement foundation, and, if needed, guide you on how to supplement it with the right retirement income plans.

With no upselling, just what you truly need.

Book A complimentary consultation

Build A Solid Retirement Foundation With Our CORE Assessment.

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.

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Secure Your “Die-Die-Must-Have” Retirement Funds, With Zero Upselling