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How can you create your own annuity-style income to supplement CPF LIFE? In this video, I introduce the 20K-90 Strategy — a simple, disciplined way to turn your savings into a steady monthly payout until age 90. By investing in global equities (like the S&P 500 or MSCI World) and applying a systematic drawdown rule, you can engineer your own “personal NIRC,” similar to how the Singapore Government taps its reserves. We’ll look at: ✔️ How much monthly income you can expect with S$250K / S$500K / S$750K / S$1M ✔️ Return assumptions at 5%, 6%, 7%, 8% CAGR ✔️ Starting at 65 vs 70 — what difference does it make? ✔️ Converting monthly payouts into annual income for easier planning ✔️ The advantages and risks of 20K-90 ✔️ What happens if you live beyond 90 — and how CPF LIFE remains your guaranteed safety net 👉 Key takeaway: CPF LIFE gives you a guaranteed baseline. 20K-90 gives you the flexible growth engine to enjoy your most active years. Together, they build a resilient retirement. ⚠️ Disclaimer This video is for educational purposes only and does not constitute financial advice. Returns are not guaranteed. Always consider your own circumstances or seek advice from a licensed financial adviser. 🔑 Hashtags #CPF #CPFPlanning #CPFAnnuity #1M65 #20K90 #SingaporeFinance #RetirementPlanning #FinancialFreedom