Tag: retirement planning
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Planning Now for a Secure Retirement: Lessons from Kenya’s 9th Pensioner Survey
Why pension planning matters for Kenya’s ageing workforce As economies grow and life expectancy rises, more Kenyans are living longer after work. Yet a robust safety net in retirement is not guaranteed. The Retirement Benefits Authority (RBA) has released insights from its 9th Pensioner Survey, underscoring a clear concern: without proactive planning, many will face…
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Higher CPF Monthly Salary Ceilings and Contribution Rates: What to Expect from 2026
Singapore to raise CPF wage ceilings and contribution rates from 2026 Singapore’s Central Provident Fund (CPF) is undergoing notable reforms aimed at boosting retirement adequacy for residents. Beginning in 2026, the government plans to raise the ordinary wage ceiling and adjust CPF contribution rates. The exact figures are set to be announced by the authorities,…
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What to Expect from 2026: Higher CPF Wage Ceilings and Contribution Rates in Singapore
I’m ready to draft the full SEO-optimized article, but I need the exact figures to ensure accuracy. The excerpt you provided ends with the CPF ordinary wage ceiling being raised from …, and the rest of the key numbers (new ceilings, new contribution rates, employer vs employee splits, and any caps for various age groups)…
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Don’t Neglect Physical Fitness When Planning Retirement
Why retirement planning should include fitness When people map out their retirement, financial goals, travel plans, and living arrangements often take center stage. Yet physical fitness should be a foundational pillar of any retirement plan. Regular movement helps maintain strength, balance, and energy, making it easier to pursue long‑held dreams and stay independent in the…
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Don’t Neglect Physical Fitness When Planning for Retirement
Why fitness belongs in retirement planning When people map out their golden years, investments, housing, and healthcare often top the list. Yet physical fitness should be right up there, because staying active directly influences independence, mood, and long-term healthcare costs. For many retirees, regular movement isn’t a luxury; it’s a daily requirement that helps maintain…
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When Planning for Retirement, Don’t Neglect Physical Fitness
Why fitness matters in retirement Planning for retirement isn’t only about securing finances and healthcare. It also means safeguarding your mobility, energy, and independence through physical fitness. Regular movement helps manage chronic conditions, preserves balance to reduce falls, and supports mental sharpness. For many people, the idea of exercise evolves from gym workouts in youth…
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Home Salary: Boost Provident Fund & Gratuity Under New Labour Codes
Understanding the New Labour Codes and Your Home Salary The upcoming labour reforms, effective November 21, 2025, introduce a standardized approach to compensation across many employers. A key change is that the basic salary must comprise 50% of the total cost to company (CTC). While this aims to simplify compliance and enhance worker protections, it…
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Income Tax Threshold Freeze: Half a Million Pensioners Forced to Pay More in Taxes
Summary: How the threshold freeze affects pensioners The Chancellor’s Budget plans to extend the freeze on income tax thresholds could push around half a million more pensioners into paying income tax. By keeping the personal allowance and lower thresholds steady in real terms, many retirees will find their pension income and other earnings tipping into…
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Home Salary: Boost Provident Fund & Gratuity Contributions Under New Labour Codes
Understanding the New Labour Codes and Your Salary Starting November 21, 2025, new labour codes introduce a common framework that affects how salaries, provident funds, and gratuity are calculated. A key provision mandates that a worker’s basic salary must be 50% of the gross CTC (cost to company). This change is designed to simplify compliance,…
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National KiwiSaver plan could boost balances—but flaw remains
National’s 12% KiwiSaver target: a potential windfall for savers National’s proposal to push KiwiSaver contribution rates up to a total of 12% could unlock substantial retirement savings for New Zealanders. If implemented, the move would see workers and employers increasing their regular contributions, with the idea that balances will compound over time and deliver a…