@kohch73: Think of CPF LIFE as your retirement foundation. Before buying an endowment, annuity or ILP, ask: ✅ What does it add on top of CPF LIFE? ✅ How much is guaranteed? ✅ How much is non-guaranteed? ✅ What are the fees and surrender costs? Low cost + simplicity + lifetime income matter. Don’t compare products by the headline return. Compare the net benefit after fees. 📊 Credit - Endowus #CPF #CPFLIFE #Singapore #RetirementPlanning #Retirement