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Retirement planning should start as early as possible

Retirement planning should not start at age 35, as suggested in “Offer retirement planning to CPF members aged 35 or 45” (March 11). It should start as early as possible, for example, when one first earns a salary.

Retirement planning should not start at age 35, as suggested in “Offer retirement planning to CPF members aged 35 or 45” (March 11). It should start as early as possible, for example, when one first earns a salary.

And it cannot be confined to what to do with one’s money or Central Provident Fund accounts. Instead, I recommend the FHM framework — family, health and money — as a guide to cover the three areas in retirement planning.

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