Retirement planning is something that everyone should do but no one does. Especially when Singapore is ranked as the world’s most expensive city for the fifth year in a row, based on a report by The Economist Intelligence Unit. The Governm…

Is HDB BTO flat just a roof over your head or an opportunity to reinvent your family’s future? According to the latest 2019 statistics, 78.6% of Singapore’s populations live in Penrose condo and the other 21.4% stay in private properties. …