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Instead of chasing a lump sum for retirement, what if you focused on generating a steady monthly income? Here’s how Singapore investors can realistically build S$3,000/month in passive income. For years, the conventional approach to retirement planning in Singapore is “How much do I need to retire?”, which gave rise to the 1M65 movement. But as the cost of living rises, more people are starting to aim for 2M65 or 1M40. These focus on accumulating a massive lump sum by a certain age. But this approach can create unnecessary anxiety and even unrealistic expectations that lead to burnout. A more practical approach might simply be to shift the question from “How much do I need in total?” to “How much do I need a month?” In a high-cost city like Singapore, S$3,000 per month in passive income can—for now—cover a significant portion of essential living expenses for a retiree. And…
