MealPal

MealPal

What is MealPal? MealPal is a subscription-based lunch service that partners with restaurants in major cities across the United States and Canada to offer discounted meals to members. Think of it as a gym membership, but for lunch—you pay a monthly fee and gain access...
2026 CPF Changes

2026 CPF Changes

Executive Summary The Central Provident Fund (CPF) system is implementing significant reforms effective January 1, 2026, marking a critical juncture in Singapore’s retirement adequacy strategy. These changes represent the final phase of adjustments initiated in...
The Albatross File

The Albatross File

Key Revelations The documents reveal that Singapore’s separation was negotiated between leaders of both nations, rather than being a sudden, unilateral expulsion by Malaysia Wikipedia. This challenges the long-held narrative of Singapore being “kicked...
SINGAPOREANS RETIRING ABROAD

SINGAPOREANS RETIRING ABROAD

EXECUTIVE SUMMARY Singapore faces a unique retirement paradigm distinct from Western nations. While Americans retire abroad primarily due to political dissatisfaction and healthcare costs, Singaporeans are driven by cost arbitrage opportunities in Southeast Asia while...
Gen X Retirement Crisis

Gen X Retirement Crisis

Executive Summary Singapore’s Generation X (born 1965-1980, now aged 45-60) faces a significant retirement adequacy crisis despite having the CPF system throughout their working lives. Only 38% feel confident they can retire comfortably, and approximately 30%...