CPF vs. SGX Stocks: The $75,000 "Safety" Cost (Iggy's Insights) | ๐ฆ #TheInvestingIguana EP1320
๐ฉ Is the "safe path" to retirement actually the most dangerous route you can take? For most Singaporeans, the standard strategy has always been maximizing CPF, buying savings bonds, and paying off the HDB flat. But with core inflation stubbornly eroding purchasing power and the cost of living sprinting ahead, a 4% risk-free return might no longer be enough to keep your head above water. In this deep dive, we strip away the emotional comfort of cash to reveal the harsh mathematical reality facing everyone in the 45+ bracket: avoiding the stock market could cost you over $75,000 in lost opportunity.
In this video, I break down the "Fear Gap" and compare the real returns of a CPF-focused retirement against an equity-focused strategy using the Straits Times Index (STI). We analyze the hidden dangers of "safe" assets, explain why dividend growers are your only defense against inflation, and conduct a brutally honest health check on popular holdings like Mapletree Logistics Trust (MLT) using institutional-grade data. I also introduce the "Iron Buffer" strategyโa critical safety mechanism designed to protect your retirement income from the silent killer known as Sequence of Returns Risk.
If you are worried that your nest egg won't survive a 30-year retirement, you cannot afford to miss this analysis. We move beyond simple yield chasing to examine the "cash flow plumbing" of your portfolio, identifying which dividends are distress flares and which are genuine wealth builders. Watch the full video to see the specific math behind the 1.5 million dollar question and discover if your current portfolio is built to survive the storms ahead or if it's time to restructure before it's too late.
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Disclaimer: Investing carries risk. This is not financial advice. The above content should not be regarded as an offer, recommendation, or solicitation on acquiring or disposing of any financial products, any associated discussions, comments, or posts by author or other users should not be considered as such either. It is solely for general information purpose only, which does not consider your own investment objectives, financial situations or needs. TTM assumes no responsibility or warranty for the accuracy and completeness of the information, investors should do their own research and may seek professional advice before investing.
