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 Mickey’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)

Why Language Barrier Is the Biggest Challenge for a Fulfilling Overseas Retirement

Retiring abroad is an increasingly popular choice among Singaporeans seeking new experiences and lower cost of living in their golden years. Whether it’s the lush landscapes of Malaysia or the bustling markets of Thailand, the promise of adventure is tempting. However, beyond the logistical preparations, one crucial aspect often determines the quality of life abroad:…

Simplifying Life: The Office Worker Who Chose to Retire in the Ancient City of Fenghuang

Sometimes, the most enlightening encounters are the ones that happen entirely by chance. This was precisely my experience during a spontaneous trip to the ancient city of Fenghuang, a place renowned for its timeless beauty and tranquil atmosphere. It was here, amidst the scenic narrow alleys lined with historic architecture, that I stumbled upon a…

Why Chinese graduates are choosing to ‘Tang Ping’

I have spent close to 3 weeks travelling in China, starting from Dali, Yunnan and I am currently in Anshun, Guizhou. As a thrifty backpacker, my accommodation of choice swings between hostels with nice common spaces and hotels that are offering great discounts. Choosing to stay in hostels has allowed me to meet people from…