Retirement Guru: You Can’t Work Forever ....

Why Gig Workers Must Make Their Money Work for Them

In Singapore, many of our daily-rated workers like cleaners, security officers, hawkers, and delivery riders, work long honest hours to make ends meet. They’re paid by the day or by the hour. No work means no pay. It’s a tough system, but a reality for many.

That’s why making their money work for them isn’t just a smart idea. It’s survival.

Hard Truth

The hard truth is that we cannot work forever. At some point, our bodies will slow down. Jobs may dry up. Health issues will creep in. And when that day comes, we’ll need a backup plan because continuing to work simply isn’t an option.

Also, we are living longer in Singapore. That’s great news unless we haven’t planned how to support ourselves in our later years. For many, the CPF payouts alone won’t be enough, especially if contributions have been inconsistent or low.

The good news is that you can start small. Even setting aside $50 to $100 a month can make a meaningful difference over time. The key is to start now and invest consistently.

One great option?

Invest in low-cost, dividend-paying ETFs (Exchange-Traded Funds). These ETFs offer…