About Me


I am a working salaried professional in my mid 30s. Just like most Singaporeans, I worked long office working hours, often trying very hard to find some work life balance.

The Sweet Retirement Blog was created to share my journey towards achieving a comfortable retirement life. I believe we cannot simply rely solely on our Central Provident Fund savings when reaching old age. Neither can we rely solely on our bank savings as we all know the interest rates cannot beat inflation.

I am a strong believer that an early and comfortable retirement can be achieved by value investing and accumulation of passive income through stocks that pays stable and consistent dividends.

If I am lucky, I hope to reach financial independence and financial freedom before the age of 55!

14 thoughts to “About Me”

  1. Hi there, it’s good that you have a goal for financial independence before 55. However, I’m just wondering why you are finding your work so stressful? It is really not possible work enjoy your work, find meaning in your work, and do it for the challenge, satisfaction and stimulation? Why wait until financial independence to “do what you choose” ?

    1. Hi Siak Lim,

      It is difficult to describe how I felt about office jobs. The demands from the company just make the job stressful. (E.g. after office hour support, long working hours, office politics, profit and loss). The working hours are also very inflexible. Housing loans, car loan, child school fees all make up for the stress in my life.

      By achieving financial independence, this means I can wake up anytime I want, go wherever I wish, do whatever I want to.

      Best Regards
      My Sweet Retirement

  2. Hi (sorry don’t know your name),

    perhaps I’ve left the corporate world many years ago, and beginning to forget the corporate politics, demanding bosses and long working hours issues. I’m in a self employed arrangement now, so I have to worry about real business issues, but no politics and corporate ladder to climb and promotion to fight for…. My result is purely based on my ability and effort, which is a fair deal I feel.

    Anyway, nice chatting with you and I wish you can achieve your financial independence before 55! Jia you! 🙂

  3. Hi
    Good day, I am in mid 30s and I found that we have some mindset about the office work and only depend hard work it wont enough for retirement even I am still single now. I am newbie in investment , I am still learning and my budget for investment is limited. Do you have any good tips to starting up as a new beginner in buying share or blue chips. I paid off my study loan I have little cash on hands , but CPF still have money to play around. But it is good to read you blogs that give me inspirations.

    Best regards
    Frank Lee

    1. Hi Frank, I am quoting AK from SSI. I am a strong believer of “CPF is meant for retirement, not investment”.
      If you have little cash, you can start off with ETF whereby a small amount allows you to diversify into many stocks. A good one is STI ETF.

  4. Hi,
    I am also in mid 30s, planning for financial independence by 50. Hope we can keep in touch for more sharing to achieve goal together.

  5. Somehow I found myself back to this site after more than 2 years! Quite unbelievable.

    So many financial bloggers dream about being financially independent. I’m not sure it’s really the right model. Most successful people we know don’t dream of that, they just do what they are passionate about first , become very good at it, and consequently make a lot of money and become rich, but they continue to do what they do without thinking of Retirement, even when they don’t need the money.

    This model sounds more correct to me. Working in a job that you hate then dream about financial independence sounds quite terrible way of living your life.

  6. Hi,
    i came across your blog and enjoyed reading it.

    i am now 48 yrs old. i started living prudently since 27 yrs old after learning about personal finance the hard way. Frugal and simple lifestyle if you might call it. However i come to realise that this is the lifestyle that give me the maximum happiness compared to spending more on “wants”. ( i fall for the credit card trap at 25 yrs old but managed to cleared it by 27.)

    i have manage to amass S$1.8 mil in net worth now deployed in assets that derive passive income. (Assets in CPF not included). HDB apartment and car fully paid and is in zero debt.
    i am a ordinary HDB heartland guy and manage to put my savings to work by compounding and returns from property windfall.

    We share the same mindset and i believe you can do it.
    All the way!!!

    Retirement means able to choose from having to work for money for survival or working for interest for personal satisfaction. It does not mean sit back do nothing and waiting to die.

    1. Hi Francis, thank you for the kind comments and I am glad you enjoyed reading my blog. I definitely agree with you “Retirement means able to choose from having to work for money for survival or working for interest for personal satisfaction. It does not mean sit back do nothing and waiting to die.

  7. Thank You so much for the Fruitful Sharing.. Really admired Young people like you so focus..I am 62, enjoying my work and grandchildren, running a Happy Social Enterprise. Thanks to property.
    Blessed Day

    1. Hi Grace, thank you for reading my blog. Glad at 62, you are still enjoying your work as seldom people can do that nowadays. Property prices are no longer cheap like olden days. Stocks and REITs are my best bet now towards a sweet retirement.

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