If you look at the numbers, Singapore is right up there in second place globally, just behind the US. That means the stakes for retirement are high. Let me be honest with you. In order to retire comfortably, we need at least $1.3 million. And this is looking ahead to 2025.

If you are in your 20s, let me tell you straight. You need to aim for at least $1 million to retire. If not, every month you are just waiting for CDC vouchers to arrive. There is no way around it.

And parents, do not think you can just tell your children to work harder and wait until retirement age. By 2030, the official retirement age will be 70. Seventy. Can you imagine it? Sending a resume at 70, applying for jobs? Who is going to hire you? I am already 54, and even I cannot picture it.

This is why our session today is so important. No matter what happens in the future, whether it is Trump or whoever, we cannot predict the future. But what we can do is prepare properly.

My friend Jack Ma once said, always repair the roof when it is sunny. It is like carrying an umbrella just in case. You cannot control the rain, but you can control how ready you are for it.

Let us do a quick revision. S stands for Search. E is Evaluate. G is Goal. And A is Asset Portfolio. Today, we are going to enhance the A part first.

The key to investing successfully is not just picking assets, it is structuring your portfolio in a way that protects you and grows your wealth. Cash gives you security and flexibility. ETFs give you broad exposure without taking too much risk. Stocks give you the opportunity for higher returns when you choose wisely.

Retirement is not just about hitting a number. It is about being prepared for anything. It is about making sure your assets are working for you, not just sitting there hoping for the best. By starting early, structuring your portfolio wisely, and understanding tools like options, you can take control of your financial future.