Do you worry that you can't retire in Singapore?
If yes, you should stop worrying about it and quickly join the Ants' Camp to prepare for your own retirement. You should start younger in your 40s and that gives you more time to look at other older Ants on how they have done it.
Investment Portfolio Income may not necessary be from stocks. It can be from renting out your spare rooms at your residential home or downgrading your current home and draw down on your residual cash proceeds from the sales of property.