If You Want Income at 60…You Must Start Building It at 40
Retirement isn’t about having the biggest savings. It’s about having steady, predictable income that pays you every month for life.
This free Singapore Retirement Playbook + Calculator will show you how Singaporeans 40–55 are building retirement income streams using CPF, dividends, REITs and bond income, safely and realistically.
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WHAT YOU’LL LEARN
Build Retirement Income That Lasts & Not Savings That Shrink
Inside this free Playbook, you’ll discover:
✔ Your Retirement Income Number - Learn how much income you’ll really need at 60–65 to maintain your lifestyle.
✔ CPF LIFE + Passive Income Strategy - Stack CPF LIFE with REITs, bonds, and dividends to build reliable income.
✔ How Much Income You Can Realistically Generate - Use the calculator to test different scenarios — safely, without guesswork.
✔ Your Personal Income Gap - Find out if you’re ahead, on track, or falling behind.
✔ A Simple, Low-Risk Blueprint - Start building passive income even if you’re a beginner.
👉 Get My Free Retirement Playbook
See Your Retirement Income Gap In Less Than 10 Minutes
The Playbook comes with an easy-to-use calculator that helps you:
- Estimate your expenses in retirement
- See how much CPF LIFE will payout
- Project income from REITs, bonds, dividends
- Identify shortfalls early
- Build a plan to close the gap safely
This is the same income framework I use with real clients, simplified for public use.
Why Singaporeans trust Zest for retirement clarity
"Zest genuinely cares about our financial success, his personalised advice gave us confidence in our retirement future!" - Mrs Cheng in her 60s
Most Singaporeans only start worrying about retirement income at 55…but by then, you lose 15 years of compounding.
Building income at 40–50 is the MOST effective time because:
- CPF is growing fastest
- Salaries are highest
- You still have 10–20 years to compound
- Passive income can be built safely
- You can avoid taking unnecessary risks later
If you want income at 60…Start planning at 40
