Retirement Planning Module

Gilbert Koh

Independent Financial Adviser

Before You Begin

This is not financial advice. This module is a self-guided educational and planning exercise. All outputs and projections are illustrative only and do not constitute financial advice, investment recommendations, or insurance product recommendations.

Data collected. Your name, email, mobile number and nationality / pass type are collected during registration to verify your access, send you your planning report, and schedule follow-up reminders.

Planning data. The financial figures you enter during this exercise (CPF balances, income, expenses, retirement projections, etc.) are processed entirely within your browser and will not be transmitted to Gilbert Koh unless you choose to send your report to Gilbert to help address your retirement objectives.

Assumptions matter. Retirement projections are highly sensitive to the assumptions used. Past performance of any asset class is not indicative of future results.

Seek professional advice. For personalised financial planning, consult a licensed financial adviser. Gilbert Koh is a licensed Financial Adviser Representative under the Financial Advisers Act (Cap. 110), MAS Rep No. KTK100032700.

By proceeding, you confirm that you understand the above and are using this tool for educational and planning purposes only.

I understand this is a planning exercise only, not financial advice. I consent to the collection of my name, email, mobile and nationality for the purposes described above.

Gilbert Koh

Retirement Planning Module

👤Personal Details

Full Name

Current Age

Nationality

Occupation

💍Marital Status

Single Married Widowed Divorced

👫Spouse Details

Spouse Name

Spouse Age

Nationality

Occupation

👶Children

Number of Children

"The secret of getting ahead is getting started. The best time to plan for retirement was yesterday. The second best time is today."

— Mark Twain (adapted)

🏛️CPF Balances

SELF

SPOUSE

Ordinary Account (OA)

OA (Spouse)

Special Account (SA)

SA (Spouse)

MediSave Account (MA)

MA (Spouse)

💰Cash & Savings

Bank Savings 0.05% p.a. (DBS avg)

Fixed Deposits 1.73% p.a. (DBS 6-mth avg)

Spouse

Bank Savings (Spouse) 0.05% p.a. (DBS avg)

Fixed Deposits (Spouse) 1.73% p.a. (DBS 6-mth avg)

📈Investment Holdings

Do you hold investments? (Unit Trusts, Equities, ETFs, etc.)

Self

Unit Trusts

Stocks / Equities

Corporate Bonds

FCN / ELN

Unit Trusts IRR p.a.

Stocks / Equities IRR p.a.

Spouse

Unit Trusts

Stocks / Equities

Corporate Bonds

FCN / ELN

Unit Trusts IRR p.a.

Stocks / Equities IRR p.a.

🏠Primary Residence

Property Value

Outstanding HDB / Mortgage Loan

🏙️Investment Property

Do you own investment / rental property?

Number of Investment Properties

💳Other Debts & Liabilities

SELF

SPOUSE

Credit Card Debt

Personal Loan

Car Loan

Other

"Do not save what is left after spending; instead, spend what is left after saving."

— Warren Buffett

💼Employment Income (Monthly Gross)

SELF

SPOUSE

Monthly Gross Salary

Salary (Spouse)

Annual Bonus (total)

Bonus (Spouse)

🏙️Rental Income (Monthly, Gross)

SELF

SPOUSE

Rental Income (gross)

Rental (Spouse)

📈Dividend & Investment Income (Monthly)

SELF

SPOUSE

Dividend / Investment Income

Dividend (Spouse)

"An investment in knowledge pays the best interest. Building multiple income streams is the foundation of lasting wealth."

— Benjamin Franklin (adapted)

🏠Housing — Primary Residence

Mortgage / HDB Loan Repayment (cash portion only)

Mortgage (CPF-OA portion, monthly)

Remaining loan duration (years)

Property Tax (monthly equiv.)

Maintenance / S&CC (monthly)

🏘️Housing — Investment Properties

Combined expenses across all investment / rental properties.

Property Tax (all IPs, monthly equiv.)

Maintenance / S&CC (all IPs, monthly)

🚗Transport

SELF

SPOUSE

Car Loan Instalment

Car Loan (Spouse)

Transport (petrol / ERP / parking / bus / MRT)

Transport (Spouse)

🛒Daily Living

SELF

SPOUSE

Food & Groceries

Food & Groceries (Spouse)

Utilities & Telco (household)

Clothing & Personal Care

Clothing & Personal Care (Spouse)

Medical / Healthcare (out-of-pocket)

Medical / Healthcare (Spouse)

👨‍👩‍👧Family Obligations

SELF

SPOUSE

Parents Allowance

Parents Allowance (Spouse)

Children Education / Tuition

Education (Spouse)

Domestic Helper

Domestic Helper (Spouse)

📋Sundry

SELF

SPOUSE

Personal Income Tax (monthly equiv.)

Income Tax (Spouse)

Life Insurance Premiums

Insurance Premiums (Spouse)

🎉General

SELF

SPOUSE

Festive Spending / Gifts (monthly equiv.)

Festive / Gifts (Spouse)

Vacations (monthly equiv.)

Vacations (Spouse)

Charitable Donations (monthly equiv.)

Charitable Donations (Spouse)

"Beware of little expenses. A small leak will sink a great ship."

— Benjamin Franklin

🌴Retirement Lifestyle

For each expense, indicate what percentage you expect to spend in retirement. Expenses you'll have paid off (mortgage, car loan) can be set to 0%. Leisure spending may increase above 100%.

Expense	Current / mth	% if Retiring Today	Retirement / mth
Total Monthly	—		—

💡 This feeds directly into the Retirement Goalpost — the total will be further inflation-adjusted over your years to retirement.

"The question isn't at what age I want to retire; it's at what income."

— George Foreman

⚙️Planning Assumptions

Retirement Age

4575

Inflation Rate

4.0%

3%6%

Investment Return

5.5%

3%7%

Retirement Duration

—

to age 85

Years to Retirement

—

Retirement Goalpost

Current monthly expenses —

Projected at retirement (inflation-adjusted) —

− Rental income (retained in retirement) —

− Dividend income (dividends not reinvested; IRR reflects capital growth only) —

− CPF LIFE payout (from age 65) —

Net monthly retirement need —

Over 20 yrs (to age 85) — PV annuity at real rate — —

Retirement Goalpost —

Projected Assets at Retirement

CPF — OA + SA at retirement (MA excluded; not available for lifestyle funding) —

↳ Est. CPF LIFE payout from age 65 (— RA × 0.8%/mth) —

Cash & Savings (at blended savings rate) —

Investments (current holdings at capital growth IRR, dividends paid out separately) —

Owner-Occupied Property Net Equity (shown for reference — excluded from retirement corpus) —

Investment Property Net Equity (current, conservative) —

Total Projected Assets —

Retirement Shortfall / Surplus

Enter your details to calculate

—

Complete your profile, assets, income and expenses, then return here.

Your Retirement Timeline

"Compound interest is the eighth wonder of the world. He who understands it, earns it; he who doesn't, pays it."

— Albert Einstein

💡 Key Insights

A personalised snapshot of your financial profile, with observations and recommendations tailored to your situation.

📊Financial Snapshot

Expenses by Category

Income Sources

Asset Mix

⚠️Expense Review

Complete your Expenses tab to see a cashflow review.

🏦Asset Mix Commentary

Complete the Assets & Liabilities tab to receive a personalised commentary.

💼Solutions to Consider

Enter your financial details to see personalised product suggestions.

"Don't think of estate planning as giving away your wealth. Think of it as giving your loved ones the gift of clarity."

— Anonymous

Total Monthly Cash Income

—

Total Monthly Expenses

—

Monthly Cash Surplus

—

Would you like to explore deploying your surplus cashflow and existing cash towards retirement planning?

1Set Your Bank Reserves (including FDs)

Keep a safety buffer in your bank before deploying any funds.

Months of Expenses in Reserve

2Monthly Surplus to Deploy

Choose what percentage of your monthly cash surplus to channel into retirement planning.

% of Monthly Surplus to Deploy

3Asset Allocation

Choose how to split your monthly deployment between non-risky (stable, lower-return) and risky (growth-oriented) assets.

% to Non-Risky Assets

📊 Projected Impact on Your Retirement

Revised Savings Trajectory with Deployment

💬Would you like a complimentary review?

If you'd like Gilbert to review your retirement plan and offer personalised guidance, you can send your summary directly to him. This is entirely optional — your data stays in your browser until you choose to share it.

Your Name

Email Address

Phone (optional)

By clicking above, you consent to share your retirement planning report with Gilbert Koh (MAS Rep No. KTK100032700) for the purpose of scheduling a financial planning discussion. A copy will also be emailed to you.

"A good plan today is better than a perfect plan tomorrow. Retirement is not the end of the road — it is the beginning of the open highway."

— George S. Patton (adapted)