Why Does India Build Retirement for S$0.67/Month While You Lose S$180K?

The Investing Iguana

Why Does India Build Retirement for S$0.67/Month While You Lose S$180K?

The market calls it “long term investing”, but the math calls it a S$180,000 tax on self employed Singaporeans who are already missing S$244,000 of employer CPF. I am looking at a world where fifty five million informal workers in India buy baseline pensions for under S$1 a month while local retail products quietly skim two percent a year off every S$500 you try to save instead of filling that CPF hole. My stance is simple: percentage based retirement fees behave like shadow debt, and the state’s own 2028 low cost CPF architecture is the quiet admission.

In this environment, capital protection is no longer about finding the highest headline yield, it is about refusing structural bleed so every extra percent of risk you take actually lands in your CPF, SRS and cash instead of subsidising someone else’s bonus pool.

Disclaimer: Investing carries risk. This is not financial advice. The above content should not be regarded as an offer, recommendation, or solicitation on acquiring or disposing of any financial products, any associated discussions, comments, or posts by author or other users should not be considered as such either. It is solely for general information purpose only, which does not consider your own investment objectives, financial situations or needs. TTM assumes no responsibility or warranty for the accuracy and completeness of the information, investors should do their own research and may seek professional advice before investing.

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I am looking at a world where fifty five million informal workers in India buy baseline pensions for under S$1 a month while local retail products quietly skim two percent a year off every S$500 you try to save instead of filling that CPF hole. My stance is simple: percentage based retirement fees behave like shadow debt, and the state’s own 2028 low cost CPF architecture is the quiet admission.</p><p>In this environment, capital protection is no longer about finding the highest headline yield, it is about refusing structural bleed so every extra percent of risk you take actually lands in your CPF, SRS and cash instead of subsidising someone else’s bonus pool.</p></body></html>","htmlText":"<html><head></head><body><p></p><p class=\"t-img-caption\"><img src=\"https://community-static.tradeup.com/news/c4aeb8bb2bf4b84d5a256d529a86e058\" tg-width=\"1920\" tg-height=\"1080\"></p><p><strong>Why Does India Build Retirement for S$0.67/Month While You Lose S$180K?</strong></p><p>The market calls it “long term investing”, but the math calls it a S$180,000 tax on self employed Singaporeans who are already missing S$244,000 of employer CPF. I am looking at a world where fifty five million informal workers in India buy baseline pensions for under S$1 a month while local retail products quietly skim two percent a year off every S$500 you try to save instead of filling that CPF hole. My stance is simple: percentage based retirement fees behave like shadow debt, and the state’s own 2028 low cost CPF architecture is the quiet admission.</p><p>In this environment, capital protection is no longer about finding the highest headline yield, it is about refusing structural bleed so every extra percent of risk you take actually lands in your CPF, SRS and cash instead of subsidising someone else’s bonus pool.</p></body></html>","text":"Why Does India Build Retirement for S$0.67/Month While You Lose S$180K? The market calls it “long term investing”, but the math calls it a S$180,000 tax on self employed Singaporeans who are already missing S$244,000 of employer CPF. I am looking at a world where fifty five million informal workers in India buy baseline pensions for under S$1 a month while local retail products quietly skim two percent a year off every S$500 you try to save instead of filling that CPF hole. My stance is simple: percentage based retirement fees behave like shadow debt, and the state’s own 2028 low cost CPF architecture is the quiet admission. In this environment, capital protection is no longer about finding the highest headline yield, it is about refusing structural bleed so every extra percent of risk you take actually lands in your CPF, SRS and cash instead of subsidising someone else’s bonus pool.","highlighted":1,"essential":1,"paper":2,"likeSize":284,"commentSize":0,"repostSize":7,"favoriteSize":0,"link":"https://ttm.financial/post/559817643168600","repostId":0,"isVote":1,"tweetType":1,"viewCount":845,"commentLimit":10,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"symbols":["BGSX","MNDmain"],"verified":2,"subType":0,"readableState":1,"langContent":"EN","currentLanguage":"EN","warmUpFlag":false,"orderFlag":false,"shareable":true,"causeOfNotShareable":"","featuresForAnalytics":[],"commentAndTweetFlag":false,"andRepostAutoSelectedFlag":false,"upFlag":true,"length":746,"optionInvolvedFlag":false,"xxTargetLangEnum":"ORIG"},"commentList":[],"isCommentEnd":true,"isTiger":false,"isWeiXinMini":false,"url":"/m/post/559817643168600"}