An illustrative coastal walk at sunset, a quiet moment in life after work.

RETIREMENT INCOME PLANNING · SINGAPORE

How Pre-retirees with spare cash can safely invest to generate passive income?

Ask Kheng Seng on WhatsApp, or get a rough estimate for your own savings.

Ask on WhatsAppGet a rough estimate

With Kheng Seng, CKSFinancial. No obligation. Illustrative only, not guaranteed.

Explore your next chapter

More time for what matters.

A ROUGH ESTIMATE, NO OBLIGATION

Find out the estimate of the passive income you can receive

Leave your first name and mobile. I’ll call or WhatsApp you with a rough estimate. Estimates are illustrative and not guaranteed.

WhatsApp me (opens WhatsApp)

Estimates are rough and illustrative, based on what you tell me. They are not guaranteed and are not financial advice. Disclaimer

YOUR RETIREMENT

There is a problem
we all share.

You have assets, but you have no strategy to generate a new income source after your last payslip.

Understand the approach

01

Your Annuity

Yes you can also wait for your CPF Life to be paid out at the designated payout age. But is that all we can settle with?

02

Your Hard Earned Cash

You cherish that liquidity & flexibility cash is giving you. Yet you know inflation is eating it up. How to balance it between risk, growth, income & liquidity?

03

Investing knowledge

You know you want your money invested, but you don’t want to manage everything yourself either due to time constraint or lack of knowledge.

UNDERSTAND THE APPROACH

Understand the investment.
Then decide.

Receive access to an Institutional Grade Income Strategy thru a fully managed institutional grade portfolio.

Fully managed portfolio

Diversification, Construction, Rebalancing of portfolio, Managers selection & monitoring all done for you.

Management of monthly dividend income

You no longer need to manage the taxes, hedging, buffering, timing of payout. Greater stability and sustainability in capital and income payouts for you over time.

Continually make investment decisions

If your family is going to inherit your portfolio. Who is going to do it for them when you are not around? Our fully managed portfolio can be transferred to your next-of-kin seamlessly through the insurance policy.

CKSFINANCIAL

SINGAPORE

Chua Kheng Seng, Manager, Wealth Services at CKSFinancial

Your questions.
A real conversation.

MEET YOUR ADVISER

Meet
Kheng Seng.

Chua Kheng Seng

Manager, Wealth Services

Kheng Seng has worked in financial services since 2004, with experience serving private and corporate clients.

Start your conversation about your retirement. Discuss about how to structure, the costs, risks and whether it fits your circumstances.

Since 2004

In financial services

English & Mandarin

Conversations in your language

IN HIS OWN WORDS

Hear it from
Kheng Seng.

A short introduction from Kheng Seng on planning your retirement income. Turn your sound on.

Start a conversation

21 seconds. Sound on.

YOUR QUESTIONS

What would you
like to know?

You don’t need all the answers before you start a conversation.

Ask your own question

What will we discuss?

Your retirement goals, existing plans and questions. We will explain to you our approach, the costs, risks and liquidity of your money.

Is this a guaranteed retirement income plan?

No.

Does this involve investing my CPF savings?

No. It does not offer to transfer or invest your CPF savings.

Do I have to commit to the plan during the meeting?

No. This is a no-obligation meeting & discussion.

Can I take my money out whenever I want?

Depends on the structure of the plan you are going to setup. Withdrawals and early termination may involve charges, reduce benefits or return less than the amount you put in. We can discuss liquidity needs and the specific terms.

YOUR NEXT CHAPTER STARTS HERE

Let’s talk
about what’s next.

Bring your questions. Start with a simple conversation about retirement and whether our approach fits your plans during our meeting.

Chua Kheng Seng

Manager, Wealth Services

BEFORE OUR MEETING

Find out the estimate of the passive income you can receive

Fill in the form below and I’ll contact you with a rough estimate. Estimates are illustrative and not guaranteed.

Already retired? Enter the age you retired.

Estimates are rough and illustrative, based on what you tell me. They are not guaranteed and are not financial advice. Disclaimer

Prefer to chat now? WhatsApp me directly

LET’S START WITH YOU

Where are you in
your retirement journey?

Choose a starting point, or go straight to WhatsApp.

Choose your retirement stage (optional)
YOUR MESSAGE

Hi Kheng Seng, I’d like to discuss my retirement plans and understand your approach, including costs and risks.

Continue on WhatsApp (opens in a new tab)

You’ll review and send your message in WhatsApp. This option saves nothing on this website. Privacy details

Start a conversation

Privacy and legal info

Last updated: 26 October 2026

Who I am

I'm Chua Kheng Seng. CKSFinancial is the name I use for my financial advisory practice. I am an appointed representative of Prudential Assurance Company Singapore (Pte) Limited ("Prudential"). This notice explains how I handle your personal data under Singapore's Personal Data Protection Act 2012 (PDPA).

The estimate form and WhatsApp

Estimate form. If you fill in the estimate form, your first name, age, expected retirement age, CPF and cash ranges and mobile number are emailed to me and kept in a private list on this website that only I and the agency that manages this page can see. I use them to prepare a rough estimate and to contact you about it.

WhatsApp. The WhatsApp option saves nothing on this website. It opens WhatsApp with a message ready for you to read, change or delete. Nothing reaches me unless you press send in WhatsApp yourself.

What I collect, and why

If you fill in the form, message or call me on +65 9188 4505, or meet me, I may collect:

I use these details to reply to you, prepare your estimate, arrange our meeting, give you advice and, if you decide to go ahead, apply for and look after your plan through Prudential. I also keep the records that the law and MAS rules require.

Your consent

By filling in the form or contacting me, you agree that I may use your details for these purposes. I won't send you marketing messages unless you ask for them, and I never sell your data. You can withdraw your consent at any time by telling me. I'll then stop using your details, though it may mean I can't keep advising you.

Who else sees your data

Some of these companies store data outside Singapore. Where that happens, I rely on them to protect it to a standard comparable to the PDPA.

Cookies and visit statistics

This page uses three tools to see how my ads and this page are doing:

All three may set cookies or similar technology in your browser. None of them receives your name, your number, your form answers or your messages, and I only see totals, not who you are. My web host also keeps standard server logs (such as IP address and browser type) for security.

To limit this, you can block or clear cookies in your browser, change your ad preferences in Facebook or Instagram (Settings, then Accounts Centre, then Ad preferences), or install Google's opt-out add-on (opens in a new tab). The page still works if you do.

How long I keep it

Estimate requests are deleted from this website automatically 12 months after they arrive. Other details are kept only as long as I need them for the purposes above, or as long as the law requires. After that I delete them or make them anonymous.

Your rights

You can ask me:

I'll reply within 30 days. If I need longer, I'll tell you why and when to expect an answer.

Keeping it safe

I take reasonable steps to protect your data from loss, misuse and unauthorised access. No system is completely secure, so please don't send me passwords, full bank details or NRIC images.

Contact me

For any privacy question or request, WhatsApp or call me on +65 9188 4505, or email khengseng@pruadviser.com.sg. If you're a Prudential client, you can also contact Prudential's Data Protection Officer using the details in its privacy notice.

Legal info

This page is run by me, Chua Kheng Seng, in Singapore. Its content belongs to me, except for names and trademarks owned by others, such as Prudential. Links to other websites are for your convenience, and I'm not responsible for their content. Singapore law applies to this page and this notice. I may update this notice from time to time, and the date at the top shows the latest version.

Disclaimer

This advertisement has not been reviewed by the Monetary Authority of Singapore.

About me

I'm Chua Kheng Seng, an appointed representative of Prudential Assurance Company Singapore (Pte) Limited, a life insurer licensed by the Monetary Authority of Singapore (MAS). I'm not a licensed financial adviser in my own right; I advise as Prudential's representative. You can check my status on the MAS Register of Representatives (opens in a new tab). CKSFinancial is the name of my practice. It is not a separate company or a licensed financial adviser.

General information only

This page and my ads are for general information only. They don't take into account your investment objectives, financial situation or particular needs, and they are not advice or an offer to buy or sell any product. Before you decide, talk to me or another qualified adviser about whether a product suits you. If you choose not to get advice, think carefully about whether the product is right for you.

Estimates and figures are illustrative, not guaranteed

Any estimate I send you after you fill in the form is rough and illustrative. It is based on what you tell me and on assumptions that may not hold, and it is not advice. Any rates, yields, returns or examples on this page or in my ads (for example, CPF interest or dividend yields) are illustrative or based on past results. They are not guaranteed and don't reliably show what will happen in future. Your actual income could be higher or lower.

Risks and charges

Capital not guaranteed. Charges apply.

The value of investments, and the income from them, can go down as well as up, and you could get back less than you put in. Buying a life insurance policy is a long-term commitment. Ending it early usually costs a lot, and the surrender value, if any, may be zero or less than the premiums you paid. I'll go through the full costs, risks and terms in the product summary and policy documents with you before you decide.

Images

The coastal scene is an illustrative AI-generated image.

Accuracy

I take care to keep this page accurate and up to date, but details can change, and this page doesn't replace the product summary and policy documents. As far as the law allows, I'm not responsible for any loss from relying on the general information here.