{"id":632233,"date":"2026-10-16T08:38:08","date_gmt":"2026-10-16T08:38:08","guid":{"rendered":"https:\/\/www.newsbeep.com\/nz\/632233\/"},"modified":"2026-10-16T08:38:08","modified_gmt":"2026-10-16T08:38:08","slug":"how-three-couples-may-plan-their-annuities","status":"publish","type":"post","link":"https:\/\/www.newsbeep.com\/nz\/632233\/","title":{"rendered":"How three couples may plan their annuities"},"content":{"rendered":"<p data-testid=\"article-description\">How much in total income they have from age 65 varies by what they have in CPF and whether they buy annuities<\/p>\n<p class=\"whitespace-pre-wrap break-words mb-4 md:mb-6\" data-testid=\"article-paragraph-component\">LAST month, I wrote about <a class=\"text-bt-blue-500 underline hover:text-bt-blue-600\" data-testid=\"article-annotation-link-component\" href=\"https:\/\/www.businesstimes.com.sg\/wealth\/wealth-investing\/why-best-annuity-singapore-may-not-be-enough\" target=\"_blank\" rel=\"nofollow noopener\">using private annuities (PA)<\/a> alongside CPF Life to build a safe retirement-income portfolio. That sparked active discussion on social media.<\/p>\n<p class=\"whitespace-pre-wrap break-words mb-4 md:mb-6\" data-testid=\"article-paragraph-component\">Some said that since CPF Life already offers the best payout-per-dollar premium in Singapore, you should simply top up your Retirement Account (RA) to the Enhanced Retirement Sum (ERS), so there is no need for a PA.<\/p>\n<p class=\"whitespace-pre-wrap break-words mb-4 md:mb-6\" data-testid=\"article-paragraph-component\">Others said that a substantial Ordinary Account (OA) balance could simply be drawn down over a fixed period, much like an annuity, to complement CPF Life.<\/p>\n","protected":false},"excerpt":{"rendered":"How much in total income they have from age 65 varies by what they have in CPF and&hellip;\n","protected":false},"author":2,"featured_media":632234,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14],"tags":[138,309306,246,17053,111,139,69,244,245,294],"class_list":["post-632233","post","type-post","status-publish","format-standard","has-post-thumbnail","category-personal-finance","tag-business","tag-cpf-life","tag-finance","tag-insurance","tag-new-zealand","tag-newzealand","tag-nz","tag-personal-finance","tag-personalfinance","tag-retirement"],"_links":{"self":[{"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/posts\/632233","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/comments?post=632233"}],"version-history":[{"count":0,"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/posts\/632233\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/media\/632234"}],"wp:attachment":[{"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/media?parent=632233"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/categories?post=632233"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/tags?post=632233"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}