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Thinking about how our retirement will play out is already a complex exercise. Planning our finances to provide well for retirement is an even more difficult challenge. But why is retirement planning so difficult and complex? The reason is surprisingly simple – retirement is a journey of no guarantees. For most people, retirement typically comes in phases. There are a multitude of risks and we only have one opportunity to get it right (without any prior rehearsal). In other words, no guarantees, a lot of uncertainty, no opportunity to rehearse and no room for failure. Ideally, we hope that there is a silver bullet, that one special product or action – that if we just commit to it can solve all our retirement planning problems. The reality is that there is no silver bullet for retirement planning. The only way we improve our odds of making this “journey of no guarantees” successful and enjoyable is to plan and prepare properly in advance. CPF LIFE is an integral part of retirement planning in Singapore. By providing income for as long as we live, CPF LIFE helps address one of the greatest retirement risks – longevity risk. However, CPF LIFE by itself is not a silver bullet. Retirement can last 20, 30 or even 40 years and retirees must also contend with risks such as inflation, rising healthcare costs and changing income needs throughout different phases of retirement. Complementing CPF LIFE with other retirement income solutions that provide different benefits is therefore an important part of building a comprehensive retirement plan. One retirement income strategy that is gaining attention is annuity laddering – the practice of using multiple annuities with different payout commencement dates to support retirement income needs over time. Annuity laddering can potentially help retirees create multiple streams of retirement income that start at different points in time, providing greater flexibility as their needs change throughout retirement. The question then becomes: How can annuity laddering complement CPF LIFE as part of a retirement income strategy? This webinar is specifically designed to help you understand the annuity options available to complement CPF LIFE, including how annuity laddering works and the role private annuities can play in creating a more resilient retirement income strategy. This webinar will cover the following topics: - The Four Major Risks in Retirement - The Three Phases of Retirement - The Five Types of Annuities - What Is Annuity Laddering? - How Can Annuity Laddering Complement CPF LIFE? Date: 25 & 30 June 2026 Time: 8:15 pm to 9 pm Venue: Zoom Sign up here: https://www.gen.com.sg/event/what-is-annuity-laddering-and-how-can-it-complement-cpf-life-25-30-june-2026/