Part 6/8:
She contemplates whether to pay off her new home completely or take advantage of low interest rates by taking a loan and investing the surplus elsewhere. This approach can keep her cash flow flexible while still growing her wealth through investments.
Balancing Liquidity, Investment, and Retirement Income
The overall theme revolves around creating a balanced, resilient retirement plan. Her strategy includes maintaining liquidity for emergencies or new investment opportunities while maximizing the returns on her CPF and savings.
Key Takeaway:
Singaporeans should leverage CPF’s structured interest rates and investment schemes to optimize their retirement funds rather than cashing out prematurely.