You Can Retire Earlier Than You Think

Discover the simple and easy way to achieve financial independence

My Financial Planning Philosophy

Easy and Simple

Simplify the complexities of financial planning by breaking them into manageable chunks and focus on the gaps. I choose to separate insurance from investment so that I can optimise my insurance expenses for protection based on my needs while maximising my investment budget for a diversified investment portfolio.

Comprehensive and Robust

My financial plan is created with the possibility of living to the age of 100 in mind with milestones that I want to achieve along the way. A review on my financial plan at the end of each year to assess my performances. I keep my financial plan robust and fluid to pivot with my circumstances, government policy changes, and investment opportunities

Disciplined and Automated

Staying consistent on a planned ‘Buy Term and Invest the Rest’ financial journey over many years is very difficult with the challenges that life throws at us. That’s why I created a systematic process that automates most of my saving and investment processes. That takes most of the manual tasks out of my hands so that I can focus on enjoying the present, with my future all taken care of.

What Others Are Saying:

It is interesting to follow Christopher’s wealth building journey because you can connect with his experiences through his detailed yet simple articles.
Kyith Ng
Investment Moats
Retireby50.me is a finance blog that features a normal white collar worker who focuses on all-round personal finance attributes and the importance of all-round asset allocation with global exposure in Equities, Bonds, CPF, SRS and Property. It’s a great blog for any readers who are looking for a start to invest and expand his or her portfolio in Singapore and beyond.
Brian Halim
A Path to Forever Financial Freedom (3Fs)

Videos

Articles

Are You Asking the Right Questions in Your Portfolio Review? AI Can Help

Last week, I had an insightful conversation with my friends about financial planning. I remembered a story that my friend shared with us. His friend’s mother-in-law had bought an insurance policy seven years ago but hadn’t heard much from her advisor ever since. Recently, she was thrilled to learn that her policy had returned 40%…

Why Relying on Job Security is a Fallacy and How to Build True Security

We’ve all been raised to believe that as long as we have a stable job, we’re safe. This mindset is especially true for seasoned professionals—after many years in the workforce, I have seen firsthand how job security has been considered a foundation of stability. But here’s the thing: job security is no longer what it…

Navigating Job Insecurity with a Financial Plan That Paves the Way to Early Retirement

Have you ever felt stuck in a job, watching the news of layoffs and wondering, “Could I be next?” In today’s volatile job market, it’s a question more professionals are asking themselves. Whether you’re an experienced manager or have spent years as an individual contributor, the thought of job insecurity can be unsettling. I know…