Up the ante for retirement fund via CPF-SA

Ever wonder how much difference can that additional 'paltry' 1.5% (2.5% for OA; 4% for SA) can make?

Try this calculator I created n please do let me know if any error has been spotted! 10u! ^_^

https://docs.google.com/spreadsheets/d/1mRa0SBSOi-u9co068tchICn4OR59hkmk7qq0dmaN8qU/edit?usp=sharing

RETIREMENT

Recently, there have been talks about raising the retirement age.

Many wonder why the need to raise the retirement age.
- is it due to the lack of manpower? lack of expertise?
- or are people simply not saving enough for their retirement, hence the need to "up" the retirement age...?

Just wondering...
What is the most important factor in considering the big WHEN to retire?
- money / health / because it is the official age to do so...


Will raising the retirement age = wait longer to start relying on CPF?  :C

Home prices ‘to fall 20%' by 2016

read:
http://www.channelnewsasia.com/news/business/singapore/home-prices-to-fall-20-by/1354620.html

so many are complaining about expensive houses in Singapore.

BUT what if prices of homes fall by 20%?
will many start complaining about falling (negative?) values of their homes?

according to the report - loan curb, slower flow of foreign workers and rising interests rate may cause up to 20% fall in home prices. wow~!

should this happens, will this fall attracts investors to start speculating / entering the property market?

or will this fall mark the start of a new era where people will no longer see property as a form of lucrative investment?