Retirement in JB, KL or Stay Put in SG? My Ongoing Comparison...

[TigerYam]

7 hours ago, auscent said:

Thanks bro.

Volunteer work can be excellent determinant of retirement joy.

I think depends. Luckily most NGOs i selected in Sg so far take in near retirees like me.

 

When I was 30, I signed up volunteer program in Singapore, mostly 99% failed. Got monies also failed. I wish they take me.... Haha. 

 

But Malaysia is much easier. No need to see your age. 

[TigerYam]

On 7/30/2025 at 12:58 PM, ToughGuy said:

Hope to find a farm house and reside there

 

You can find a farm house easily in Taiping nearby area. Farm house usually Attap House. You can plant your vegetables, rear pigs, chicken and ducks. 

[ToughGuy]

34 minutes ago, TigerYam said:

 

You can find a farm house easily in Taiping nearby area. Farm house usually Attap House. You can plant your vegetables, rear pigs, chicken and ducks. 

Attap houses are less practical these days due to weather change..strong windstorm...difficult to maintain...many have normal (metaldeck) roof, with attap leaves over the metaldeck...minimize  rainwater leak, noise and heat...also aesthetic and fire hazard reasons.

 

Rearing pigs tend to attract unwanted attention from authorities 🤦🤦🤦

[chaucer003]

I’ve been quietly following this thread and wanted to chime in with my own journey — no names or identifiers, just reflections.

I recently made the move across the causeway after years of considering it. What finally pushed me was a mix of rising costs, the need for more space, and a desire for a slightly slower, more intentional pace of life. It hasn't all been smooth — between cross-border admin, adjusting to new rhythms, and figuring out how to stay connected socially — but overall, I’m finding more alignment.

There’s a lot of transition happening in my life right now — career shifts, community building, and even some personal rediscovery. I’ve come to see this chapter not just as retirement planning, but lifestyle redesign.

Still figuring things out, but reading posts here has been both comforting and eye-opening. Grateful for the honest takes and shared experiences.

[auscent]

5 hours ago, chaucer003 said:

I’ve been quietly following this thread and wanted to chime in with my own journey — no names or identifiers, just reflections.

I recently made the move across the causeway after years of considering it. What finally pushed me was a mix of rising costs, the need for more space, and a desire for a slightly slower, more intentional pace of life. It hasn't all been smooth — between cross-border admin, adjusting to new rhythms, and figuring out how to stay connected socially — but overall, I’m finding more alignment.

There’s a lot of transition happening in my life right now — career shifts, community building, and even some personal rediscovery. I’ve come to see this chapter not just as retirement planning, but lifestyle redesign.

Still figuring things out, but reading posts here has been both comforting and eye-opening. Grateful for the honest takes and shared experiences.

Insightful. Can share: what is most important adjustment when retiring to Msia?

[iKneadyou]

I’d love to retire in KL or Malacca.

[Levis]

On 7/30/2025 at 8:21 AM, TigerYam said:

 

Malaysia NGO welcome you as a volunteer in their program. Not like Singapore, they want young and rich one. It is my real life experience in Singapore. 

 

Kuala Lumpur is the Best Place to do charity and volunteering. Age and gender does not matter. Beside KL, Ipoh is the second best place too.

 

If you want to know more about volunteering and charity, you can pm me privately. Age, race and gender does not matter, as long as youvare able to help out.

Not like Singapore, NGO wants young and rich one.

 

Driving in Malaysia is a great experience.  You need a Malaysian friend to accompany because some towns don't speak English, and they have their own culture and religion.

 

BB area are good for gays...haha. I think the Best area that you can try are Kepong, Cheras (more than 5km), Selayang, Serdang,  Kajang and Balakong. These area, you can get nice food, not so gay, decent people around and you can focus more on your volunteering work.

 

 

@TigerYam, would you share your volunteering experience in M'sia w/o naming any organisation?

 

Pity I can't drive. I can only rely on Grabbies. How's the Grab fare for intercity / inter-town? Is there even such service? Agree that it would be nice to take your own sweet time to travel around the smaller cities / towns. I recently been following this YouTuber "中年难人 Nick”. He basically goes around places within Malaysia to makan. Featured quite a few towns I've not even heard of! Maybe you can get some good suggestions from him over this videos. LOL

 

On 7/30/2025 at 11:14 AM, TigerYam said:

Yes. @ToughGuy you are right.

I love Taiping. I hope Singapore people better don't go Taiping to spoil the market.

 

Taiping has a lot of good food and nice people around.

 

I only heard about Taiping from a friend's BF. The only takeaway is their Beh Teh Soo is good! I mean, really really really good!

 

9 hours ago, TigerYam said:

 

I agree, ETS is not a high speed train. It takes long hours travel fro. KL to Taiping. 

 

I won't like to waste time for traveling. Going to Taiping is easier by flight and Grab. Take a flight from Sg to Ipoh, then take a Grab from airport to Taiping city. 

 

Most city people prefer kampong life for retirement . I think you are too young for kampong life. Haha.... 

 

 

One of my greatest gripes on M'sia railway system is bad connectivity, rail lines not properly integrated and not-so-great efficiency - KTM! I'd very much want to take a train, ie. from JB to KL. Alas, still have to change at Gemas! Long-distance coach is the most efficient and cost-effective transport solution, hands down anytime. I hope that if HSR really revives, solve this connectivity issue once and for all, man!

 

I did tried Kampong life when I was young. Must say the Singapore's life is too comfortable for me that I do not want to live in Kampong again. I mean, infra, utilities, connectivity, convenience, comfort, etc in city life... LOL

[Levis]

On 7/30/2025 at 10:18 AM, justin1982 said:

Regardless whichever city going to be settled down for the life of retirement, I would still preferred continue to work (but in more carefree & flexibility arrangements), to let both mental & body act actively. Of course, there is no more finance responsibility and liability.

Secondly, spend quality time with the loved ones & travel together by then. 

 

@justin1982, you define how you want your retirement / semi-retirement life to look like! I do hope you reach your financial goals soon so that you do not have to work for $$ and can live the way you want it to be! Though, like what I always tell my friends, don't let your professional life / work defines your identity. I see many people hang on to their work because it gives them a sense of identity and purpose, which they will lose once they leave their post. No matter what, you decide what's best for you! Just stick with your decision and be happy with it.

[Levis]

21 hours ago, singalion said:

 

 

 

But there might be different interests and attitudes. 

 

I assume a Singaporean is more used to a true city life and maybe not so keen to retire in a kampung setting. 

 

For a budak Malaysia that might be just the opposite. 

 

Probably out of this reason a Singaporean would prefer to retire in a bigger city. 

 

You also need to factor in that a,Singaporean may need to return to Singapore on times. 

Being located in Taiping that might be a hassle (even if there is an ETS station) to get to Singapore. 

 

Take Tampin to KL with the ETS only has 2 trains per day and needs 2 hours. 

ETS are not real high speed trains running at 250km per hour like in other countries... 

 

 

 

@singalion, as a SG guy, I'd agree with your observations though I can't say for all. As shared in my earlier post, we Singaporeans are really fortunate to live in a highly livable city and most things are just too comfortable. So, if I were to relocate for retirement, I do hope that the place's QOL is similar to SG. That's why this thread is created to crowdsource opinions about those great places in M'sia!

[Levis]

8 hours ago, chaucer003 said:

I’ve been quietly following this thread and wanted to chime in with my own journey — no names or identifiers, just reflections.

I recently made the move across the causeway after years of considering it. What finally pushed me was a mix of rising costs, the need for more space, and a desire for a slightly slower, more intentional pace of life. It hasn't all been smooth — between cross-border admin, adjusting to new rhythms, and figuring out how to stay connected socially — but overall, I’m finding more alignment.

There’s a lot of transition happening in my life right now — career shifts, community building, and even some personal rediscovery. I’ve come to see this chapter not just as retirement planning, but lifestyle redesign.

Still figuring things out, but reading posts here has been both comforting and eye-opening. Grateful for the honest takes and shared experiences.

 

@chaucer003, glad you are finding your decision to move a right one. Tbh, I'm still a bit struggling with deciding to move in a few years time. I mean, it's gonna be somewhat an uproot from a place I've been for so many years. I admire your courage to make that move, knowing there are so many adjustments to make. I suppose at certain stages of our life, we should get out of our comfort zones, dare to venture even further and have the bravery to write new chapters in our life.

 

Definitely. I also have the revelation that retirement planning is not just about $$ planning or choosing where to live at. There are so many considerations to take in and to prioritise (or de-prioritise) them.

 

Nevertheless, thanks for sharing your journey in here briefly and your encouragement. I am sure your sharing will motivate more people to think through this important and unavoidable topic in our respective lives!

[Levis]

2 hours ago, iKneadyou said:

I’d love to retire in KL or Malacca.

 

@iKneadyou, we have heard about KL and other cities. How about sharing your take on Malacca?

[chaucer003]

@Levis 

Thanks so much for the kind words — really appreciate it. 😊

Yeah, it’s been a bit of a ride! Definitely not the easiest decision to make, but I think you nailed it — sometimes we just have to step out of what’s familiar and give ourselves permission to explore a different kind of life.

 

I’m still figuring things out, to be honest. Some days feel like, “yes, this is the right move,” and other days I’m deep in paperwork or adjusting to a new pace and wondering what I got myself into. 😅 But overall, it feels more aligned, and I’m slowly settling into this new rhythm.

 

And you’re absolutely right — retirement or life transitions like this aren’t just about money or where to live. There’s so much more to unpack — identity, relationships, purpose… all of it.

 

Just wondering out loud here — are there others in this group who made similar moves in their 30s? Maybe folks who hit financial independence earlier and decided to take a different path? Would love to connect and swap stories, even just to feel a little less alone on this journey.

 

Really grateful for this space — it’s been like having a thoughtful, supportive coffee chat with people who get it. ☕🙂

[ToughGuy]

10 hours ago, Levis said:

 

@TigerYam, would you share your volunteering experience in M'sia w/o naming any organisation?

 

Pity I can't drive. I can only rely on Grabbies. How's the Grab fare for intercity / inter-town? Is there even such service? Agree that it would be nice to take your own sweet time to travel around the smaller cities / towns. I recently been following this YouTuber "中年难人 Nick”. He basically goes around places within Malaysia to makan. Featured quite a few towns I've not even heard of! Maybe you can get some good suggestions from him over this videos. LOL

 

 

I only heard about Taiping from a friend's BF. The only takeaway is their Beh Teh Soo is good! I mean, really really really good!

 

 

One of my greatest gripes on M'sia railway system is bad connectivity, rail lines not properly integrated and not-so-great efficiency - KTM! I'd very much want to take a train, ie. from JB to KL. Alas, still have to change at Gemas! Long-distance coach is the most efficient and cost-effective transport solution, hands down anytime. I hope that if HSR really revives, solve this connectivity issue once and for all, man!

 

I did tried Kampong life when I was young. Must say the Singapore's life is too comfortable for me that I do not want to live in Kampong again. I mean, infra, utilities, connectivity, convenience, comfort, etc in city life... LOL

If you can't drive, express bus to major places like Melaka, KL, Ipoh, Taiping or Penang (understand ETS will be connected KL -JB soon...  )..ETS towards north is quite good(traveled many times cos too tiring to drive alone)..

(Google ETS Gemas JB)

 

 

 

.back to express buses, get to TBS, ample buses including to East coast towns like Kuantan and KB 

 

If you live in "kampung" environment, dun need gym... cangkul, parang, lawn mower will replace dumbbell etc ...I love lawn mowing... You can smell the chlorophyll from the fresh cut grass.

 

 fresh brew kopi O always tasted better😂😂😂☕☕☕

 

 

 

[TigerYam]

12 hours ago, Levis said:

 

@TigerYam, would you share your volunteering experience in M'sia w/o naming any organisation?

 

Pity I can't drive. I can only rely on Grabbies. How's the Grab fare for intercity / inter-town? Is there even such service? Agree that it would be nice to take your own sweet time to travel around the smaller cities / towns. I recently been following this YouTuber "中年难人 Nick”. He basically goes around places within Malaysia to makan. Featured quite a few towns I've not even heard of! Maybe you can get some good suggestions from him over this videos. LOL

 

 

I only heard about Taiping from a friend's BF. The only takeaway is their Beh Teh Soo is good! I mean, really really really good!

 

 

One of my greatest gripes on M'sia railway system is bad connectivity, rail lines not properly integrated and not-so-great efficiency - KTM! I'd very much want to take a train, ie. from JB to KL. Alas, still have to change at Gemas! Long-distance coach is the most efficient and cost-effective transport solution, hands down anytime. I hope that if HSR really revives, solve this connectivity issue once and for all, man!

 

I did tried Kampong life when I was young. Must say the Singapore's life is too comfortable for me that I do not want to live in Kampong again. I mean, infra, utilities, connectivity, convenience, comfort, etc in city life... LOL

@Levis Just my simple reply for your question. Volunteering in Malaysia really have a lot and you can experience it more and more. To me, I prefer to help animals rather than human, because human beings are bad and hurting. Volunteering in animal like cats, dogs, wild animals, birds and turtles. In KL, there are cats and dogs home, you can volunteer to help by feeding the animals, cleaning, and caring to the sick animals. You can give donation to them for buying animal food. For turtles, you can help out to record eggs hatching, looking for turtle eggs and protect them, setting up signs.

 

Fir human beings, you can volunteer to help out orphan, elderly, disabled, OKU,  and autism people. No age and gender require. In Malaysia, people love to give out more caring to orphans. 

 

Talk about KTM, hopefully this month August, KTM can launch its new ETS from JB to KL directly. 

 

Taiping Heong Peah are famous. Every time I visit Northern Malaysia, I buy many brands of heong peah to try from all the cities and towns such Penang, Bidor, Ipoh, Taiping, Bukit Mertajam and KL.

 

FYI, Singaporeans can learn driving in Malaysia and can get a Malaysia driving license.  Malaysia cars are cheaper than Singapore.

Edited August 1, 2025 by TigerYam

[ToughGuy]

1 hour ago, TigerYam said:

@Levis Just my simple reply for your question. Volunteering in Malaysia really have a lot and you can experience it more and more. To me, I prefer to help animals rather than human, because human beings are bad and hurting. Volunteering in animal like cats, dogs, wild animals, birds and turtles. In KL, there are cats and dogs home, you can volunteer to help by feeding the animals, cleaning, and caring to the sick animals. You can give donation to them for buying animal food. For turtles, you can help out to record eggs hatching, looking for turtle eggs and protect them, setting up signs.

 

Fir human beings, you can volunteer to help out orphan, elderly, disabled, OKU,  and autism people. No age and gender require. In Malaysia, people love to give out more caring to orphans. 

 

Talk about KTM, hopefully this month August, KTM can launch its new ETS from JB to KL directly. 

 

Taiping Heong Peah are famous. Every time I visit Northern Malaysia, I buy many brands of heong peah to try from all the cities and towns such Penang, Bidor, Ipoh, Taiping, Bukit Mertajam and KL.

 

FYI, Singaporeans can learn driving in Malaysia and can get a Malaysia driving license.  Malaysia cars are cheaper than Singapore.

Very true..cars are dead cheap here...just make sure you have a reliable mechanic if you buy used car 

 

As for driving license, I am not 100% sure if theory test is in BM only 😔

[TigerYam]

3 hours ago, ToughGuy said:

Very true..cars are dead cheap here...just make sure you have a reliable mechanic if you buy used car 

 

As for driving license, I am not 100% sure if theory test is in BM only 😔

 

You can choose English or Bahasa for the multi choices test. But for the practical test....hopefully the Malay tester don't mind to speak English.

 

2nd Hand cars are cheap but the repairs and maintenance are always over charged especially you look for dishonest Chinese mechanic. Better buy a new car to avoid cheated. 

[ToughGuy]

49 minutes ago, TigerYam said:

 

You can choose English or Bahasa for the multi choices test. But for the practical test....hopefully the Malay tester don't mind to speak English.

 

2nd Hand cars are cheap but the repairs and maintenance are always over charged especially you look for dishonest Chinese mechanic. Better buy a new car to avoid cheated. 

I been using Chinese mechanics from day 1(knew them for decades..drop car, go home, they will call when car is ready...no issues, no dispute And bills were always BELOW my expectations....)

 

Many claimed that Malay mechanics are worse(not sure cos never encountered unpleasant dealings... Guess there are dishonest ppl in every race or religion... Just bad luck when kena dishonest ppl(I kena one with Malay, knew him for more than 15 years-lawyer summore)

 

If you read up new car ownership and how service centers "played out" customers, you would want to by new cars....(Tan Chong recall for airbag defect... Car had to be sent in 4 times)...

 

When come to warranty claims,  first statement..."Boss, this is not covered under warranty... The cost that you have to pay is......"... Bang table, start shouting , then "on goodwill, you dun have to pay anything"... Dun trust me...join FB new car groups and "feel the ground"....(Join Merc groups... Lots of LOUD cries and curses😂😂😂?

 

I bought two new cars over the years..Opel and Isuzu... Both gave me nightmare...Opel was an accident-repaired unit but delivered as "brand new"... Maybe I was too meticulous...I literally CRAWLED under the vehicle before signing the Delivery order

 

Still need to agree that there more dishonest mechanic than honest ones(based on what I read and heard over the years)

Edited August 1, 2025 by ToughGuy

[Levis]

12 hours ago, chaucer003 said:

@Levis 

Thanks so much for the kind words — really appreciate it. 😊

Yeah, it’s been a bit of a ride! Definitely not the easiest decision to make, but I think you nailed it — sometimes we just have to step out of what’s familiar and give ourselves permission to explore a different kind of life.

 

I’m still figuring things out, to be honest. Some days feel like, “yes, this is the right move,” and other days I’m deep in paperwork or adjusting to a new pace and wondering what I got myself into. 😅 But overall, it feels more aligned, and I’m slowly settling into this new rhythm.

 

And you’re absolutely right — retirement or life transitions like this aren’t just about money or where to live. There’s so much more to unpack — identity, relationships, purpose… all of it.

 

Just wondering out loud here — are there others in this group who made similar moves in their 30s? Maybe folks who hit financial independence earlier and decided to take a different path? Would love to connect and swap stories, even just to feel a little less alone on this journey.

 

Really grateful for this space — it’s been like having a thoughtful, supportive coffee chat with people who get it. ☕🙂

 

@chaucer003, oh yes, so are you on visa programme like MM2H or PVP? You mentioned about "cross-border admin", so I thought you may belong to the group who returns to SG every 30 days w/o long-term stay visa. Have you figured out how to do so w/o getting the CIQ giving you problem?

 

I'm sure there are many 30s retirees. Given that many belong to the BTC millionaires group. LOL. Alas, if I have bought just 1000 BTC @ USD1 just 10+ years ago, I would have press the fly button too.

[Levis]

9 hours ago, TigerYam said:

@Levis Just my simple reply for your question. Volunteering in Malaysia really have a lot and you can experience it more and more. To me, I prefer to help animals rather than human, because human beings are bad and hurting. Volunteering in animal like cats, dogs, wild animals, birds and turtles. In KL, there are cats and dogs home, you can volunteer to help by feeding the animals, cleaning, and caring to the sick animals. You can give donation to them for buying animal food. For turtles, you can help out to record eggs hatching, looking for turtle eggs and protect them, setting up signs.

 

Fir human beings, you can volunteer to help out orphan, elderly, disabled, OKU,  and autism people. No age and gender require. In Malaysia, people love to give out more caring to orphans. 

 

Talk about KTM, hopefully this month August, KTM can launch its new ETS from JB to KL directly. 

 

Taiping Heong Peah are famous. Every time I visit Northern Malaysia, I buy many brands of heong peah to try from all the cities and towns such Penang, Bidor, Ipoh, Taiping, Bukit Mertajam and KL.

 

FYI, Singaporeans can learn driving in Malaysia and can get a Malaysia driving license.  Malaysia cars are cheaper than Singapore.

 

@TigerYam, I know what you mean on your take to volunteer for people vs. animals. Think we all have our fair share of meeting ungrateful people. However, would like to share what I heard with regards to giving kindness. I heard this from religious people. Wouldn't say which religion to stay neutral here.

 

What I understand is the act of kindness originates from your heart. It's your intention that matters. If that intention translates into the act of kindness, it would beget good things in your life. If we chose to give kindness on conditional basis with a lot of hesitation, like "is this person really poor that deserves my donation?" or "he looks like some bad guy so his plight serves him right!", etc, then might as well don't do good deeds. Point being you give acts of kindness hoping the beneficiaries would turn out better. How these recipients use your kindness depend on their level of morality. If they manipulated our kindness to get more than they need, depraving those who really need, they will receive corresponding bad things eventually. We just make sure we do our part to give kindness when we can. <<Bros, please don't flame me if you don't agree. Everyone is entitled to their take on this.>>

 

Oh? KTM launching JB-KL train services!? Then again, I am always skeptical about KTM's services. Let's see if they can even launch in the 1st place. Hahaha.

 

So far, the best Heong Peah from Taiping I had was with no brand, courtesy from my friends/relatives. I honestly also don't know where to get from there. Other areas' ones are really just so-so. PEN's ones seem overrated.

[singalion]

On 7/31/2025 at 2:06 PM, TigerYam said:

 

Most city people prefer kampong life for retirement . I think you are too young for kampong life. Haha.... 

 

 

Maybe Malaysian gay prefer kampong life when older, but mostly not Singaporeans as they are used to the city. Singaporeans also love shopping malls, the bigger the better.... only for makan they like kampong style ayam.  

 

You need to also look at getting friends or having friends around, it's much more difficult to find a bunch of new friends in a kampong setting compared to a city. 

 

Nowadays, with the "new" Mrt around KL you can stay outside but still just need 30 mins to Bukit Bintang by Mrt. 

 

Edited August 2, 2025 by singalion

[TigerYam]

https://theindependent.sg/im-done-with-spore-i-wanna-move-to-msia-sporean-man-earning-s100k-year-feels-jaded-with-life-in-sg-kl-feels-sweet-place-to-be/?fbclid=IwQ0xDSwL8MmxleHRuA2FlbQIxMQABHjnJ48278NZbJegYhGABgbczvLaqRfjkiI070ffW7RHU3xW6-Q5Z1xkpYidA_aem_4mY8ySdp1KT7izX2pOFfJg

 

Photo: Depositphotos/ worawit_j (for illustration purposes only)

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4 min.Read

‘I’m done with S’pore! I wanna move to M’sia…’ — S’porean man earning S$100K/year feels ‘jaded with life in SG; KL feels sweet place to be’

SINGAPORE: When a Singaporean earning a cool S$100,000 a year starts eyeing Kuala Lumpur as his personal Eden, the internet listens but starts to debate.

 

 

In a viral post on the r/Malaysia subreddit, a 35-year-old Singaporean man, husband and father of three, poured his heart out because he’s completely burnt out, and now he hears KL is calling…

 

“Of late, I have been feeling very jaded with life in SG and have been fantasizing of leaving,” he wrote. “KL feels like a sweet place to be, with opportunities likely far greater than anywhere else in Malaysia.”

 

He added that while his job in Singapore’s education sector is stable, and he’s close to his extended family, he’s dreaming of a reboot across the Causeway. Notably, he’s unsure where or how to begin the transition, and was hoping Malaysian Redditors could shed some light.

Grass is greener on the other side, or just different?

The replies ranged from “please think twice” to “you’re not alone.” But one theme stood out like a neon sign on Jalan Bukit Bintang: it’s complicated.

 

“Mate, I’m sorry to burst your bubble,” one Malaysian bluntly said, reminding the Singaporean that “There’s a reason plenty of Malaysians are seeking opportunities in Singapore.”

Another Redditor, who worked in both Malaysian and Australian schools, urged the man not to oversimplify the move. “Don’t narrow it down to country. Narrow it down to the specific school… and what their values are.”

 

A few Singaporeans chimed in as well, some sympathising. One candidly admitted: “If you struggle with S$100K and three kids in Singapore, you’re gonna cry if you go to Malaysia and try to live on RM100K.”

 

 

“You need about RM180K/year in KL…”

At current exchange rates, S$100K is roughly RM330K — a salary only a small percentage of Malaysians earn. While KL might offer a lower cost of living on some fronts, Redditors were quick to point out hidden pitfalls:

• Housing: A good 3-bedroom condo would cost close to RM2,000/month
• Transportation: You’ll need a car, as public transport is not quite like that in Singapore
• Schooling: International schools are the go-to for expats, but come with a hefty price tag
• F&B & Groceries: Hawker food and local stuff may be cheaper, but fast food and other items, not necessarily.

One Malaysian explained: “To maintain the same lifestyle as S$100K in SG, you need about RM180K/year [in KL]. [That’s] around RM16K/month.” Not easy unless you’re in a niche or leadership role.

“Sounds like you just need a vacation…”

Many suggested a softer landing, like taking a sabbatical or long break before calling the movers.

 

“Sounds like you just need a vacation,” one advised. “Rent a long-term Airbnb, take the kids on a road trip, breathe. Then decide,” another added.

 

 

A few even floated hybrid options: “Keep earning SGD with a remote job while living in JB or KL. That’s the best of both worlds.”

Maybe look to Europe?

A major concern for the Singaporean was the pressure cooker of Singapore’s education system.

 

One commenter agreed with him: “I increasingly feel bad for the kids. I can live with a lower income if it means a more holistic learning environment for them.”

But others warned Malaysia might not be the promised land for this. “If you want growth mindset education, maybe look to Europe,” said one.

“Most people on this subreddit want to leave Malaysia…”

Not all Malaysians were keen to sell their country. One local Redditor pointed out, “Most people on this subreddit want to leave Malaysia,” to hint to the Singaporean that he’s basically going against traffic。

 

Another added a reality check: “KL is just Singapore 2.0 — with worse walkability,” additionally warning him that the traffic jams could make him rethink his life.

And then there were those who saw the appeal in collectively saying that though Malaysia isn’t perfect, if he and his wife can earn five digits each and keep expectations grounded, they’ll be okay. Life here can be calm, exciting, and less intense — if they find the right setup.

 

“You’re thinking too much…”

In perhaps the most Singaporean reply of all, one commenter captured the tension with a touché:

 

“You got too much money, that’s making you think too much. Give me some, and you’ll know how important your job is,” he wrote.

Verdict: Lion City or KL City?

So, should this jaded Singaporean ditch the Lion City for KL’s nasi lemak or roti canai mornings at a slower pace?

Reddit’s collective answer: not unless he has a concrete job lined up, realistic expectations, and a serious heart-to-heart with his family.  

 

Because sometimes, the grass isn’t greener. It’s just a different turf — and it might require a 7-year car loan and international school fees.

But if you’re really tired of SG’s rat race, a short escape across the border never hurt. Just remember: don’t pump RON95!

---

Meanwhile, in other news, a 28-year-old Malaysian woman poured her heart out in a heartfelt post about working in Malaysia just won’t do for her mum and dad, because to them, even earning RM7K/month is still not ‘good enough’.

 

 

 

[Levis]

1 hour ago, TigerYam said:

https://theindependent.sg/im-done-with-spore-i-wanna-move-to-msia-sporean-man-earning-s100k-year-feels-jaded-with-life-in-sg-kl-feels-sweet-place-to-be/?fbclid=IwQ0xDSwL8MmxleHRuA2FlbQIxMQABHjnJ48278NZbJegYhGABgbczvLaqRfjkiI070ffW7RHU3xW6-Q5Z1xkpYidA_aem_4mY8ySdp1KT7izX2pOFfJg

 

Photo: Depositphotos/ worawit_j (for illustration purposes only)

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‘I’m done with S’pore! I wanna move to M’sia…’ — S’porean man earning S$100K/year feels ‘jaded with life in SG; KL feels sweet place to be’

SINGAPORE: When a Singaporean earning a cool S$100,000 a year starts eyeing Kuala Lumpur as his personal Eden, the internet listens but starts to debate.

 

 

In a viral post on the r/Malaysia subreddit, a 35-year-old Singaporean man, husband and father of three, poured his heart out because he’s completely burnt out, and now he hears KL is calling…

 

“Of late, I have been feeling very jaded with life in SG and have been fantasizing of leaving,” he wrote. “KL feels like a sweet place to be, with opportunities likely far greater than anywhere else in Malaysia.”

 

He added that while his job in Singapore’s education sector is stable, and he’s close to his extended family, he’s dreaming of a reboot across the Causeway. Notably, he’s unsure where or how to begin the transition, and was hoping Malaysian Redditors could shed some light.

Grass is greener on the other side, or just different?

The replies ranged from “please think twice” to “you’re not alone.” But one theme stood out like a neon sign on Jalan Bukit Bintang: it’s complicated.

 

“Mate, I’m sorry to burst your bubble,” one Malaysian bluntly said, reminding the Singaporean that “There’s a reason plenty of Malaysians are seeking opportunities in Singapore.”

Another Redditor, who worked in both Malaysian and Australian schools, urged the man not to oversimplify the move. “Don’t narrow it down to country. Narrow it down to the specific school… and what their values are.”

 

A few Singaporeans chimed in as well, some sympathising. One candidly admitted: “If you struggle with S$100K and three kids in Singapore, you’re gonna cry if you go to Malaysia and try to live on RM100K.”

 

 

“You need about RM180K/year in KL…”

At current exchange rates, S$100K is roughly RM330K — a salary only a small percentage of Malaysians earn. While KL might offer a lower cost of living on some fronts, Redditors were quick to point out hidden pitfalls:

• Housing: A good 3-bedroom condo would cost close to RM2,000/month
• Transportation: You’ll need a car, as public transport is not quite like that in Singapore
• Schooling: International schools are the go-to for expats, but come with a hefty price tag
• F&B & Groceries: Hawker food and local stuff may be cheaper, but fast food and other items, not necessarily.

One Malaysian explained: “To maintain the same lifestyle as S$100K in SG, you need about RM180K/year [in KL]. [That’s] around RM16K/month.” Not easy unless you’re in a niche or leadership role.

“Sounds like you just need a vacation…”

Many suggested a softer landing, like taking a sabbatical or long break before calling the movers.

 

“Sounds like you just need a vacation,” one advised. “Rent a long-term Airbnb, take the kids on a road trip, breathe. Then decide,” another added.

 

 

A few even floated hybrid options: “Keep earning SGD with a remote job while living in JB or KL. That’s the best of both worlds.”

Maybe look to Europe?

A major concern for the Singaporean was the pressure cooker of Singapore’s education system.

 

One commenter agreed with him: “I increasingly feel bad for the kids. I can live with a lower income if it means a more holistic learning environment for them.”

But others warned Malaysia might not be the promised land for this. “If you want growth mindset education, maybe look to Europe,” said one.

“Most people on this subreddit want to leave Malaysia…”

Not all Malaysians were keen to sell their country. One local Redditor pointed out, “Most people on this subreddit want to leave Malaysia,” to hint to the Singaporean that he’s basically going against traffic。

 

Another added a reality check: “KL is just Singapore 2.0 — with worse walkability,” additionally warning him that the traffic jams could make him rethink his life.

And then there were those who saw the appeal in collectively saying that though Malaysia isn’t perfect, if he and his wife can earn five digits each and keep expectations grounded, they’ll be okay. Life here can be calm, exciting, and less intense — if they find the right setup.

 

“You’re thinking too much…”

In perhaps the most Singaporean reply of all, one commenter captured the tension with a touché:

 

“You got too much money, that’s making you think too much. Give me some, and you’ll know how important your job is,” he wrote.

Verdict: Lion City or KL City?

So, should this jaded Singaporean ditch the Lion City for KL’s nasi lemak or roti canai mornings at a slower pace?

Reddit’s collective answer: not unless he has a concrete job lined up, realistic expectations, and a serious heart-to-heart with his family.  

 

Because sometimes, the grass isn’t greener. It’s just a different turf — and it might require a 7-year car loan and international school fees.

But if you’re really tired of SG’s rat race, a short escape across the border never hurt. Just remember: don’t pump RON95!

---

Meanwhile, in other news, a 28-year-old Malaysian woman poured her heart out in a heartfelt post about working in Malaysia just won’t do for her mum and dad, because to them, even earning RM7K/month is still not ‘good enough’.

 

 

 

 

@TigerYam, thank for sharing this great article! A good rendition of how Singaporeans feel.

 

At 100K, his salary makes him top 70% percentile of taxpayers. At 35, still at a young age and full of potential. But I can feel him. Work pressure for a 100K earner is not gonna be low for sure. In the article, it says he is in the edu industry. Singapore edu system updates itself every few years. I am sure he didn't have it easy over the last 5-10 years. Plus he has 3 kids which children upbringing is not all fun. So many daily routines and chores.

 

He thinks KL may be the solution. I see that as another affirmation of the M'sia relocation / retirement thinking direction, meaning what we are discussing in here is a widely considered option (and viable!), beyond our circle. Coming back to him, I highly doubt he can materialise as easy as us, which he probably has to overcome his wife's objection (esp if his wife is career-minded too), his parents' pressure, his children's continuous education concerns and his to-be-broken social network. Just 1-2 factors of the above add more pressure, he would have to kill those thoughts in its infancy.

 

I'm glad we have much lesser worries and obstacles than him. More freedom to execute what we want for our life.

[Levis]

 

Bros, sharing this with you guys.

 

This 57YO Taiwanese (single?) lady FIRE-ed at 43YO. Started her retirement planning journey since 29YO because she realised she didn't have a great starting point. Regular salaried worker. No high education.

 

Key takeaways :

 

- Regimental approach to savings and spending.

- Invested smartly in insurance policies, and stuffs to give her regular incomes eventually.

- Had NTD10mil (SGD431K | USD 335K) to commence FIRE lifestyle. Earning ~NTD300K yearly for her expenses from her portfolio.

- No property in Taiwan.

- Truly modern nomadic lifestyle. Global trotter. Travels internationally ~3 times annually.

- During non-travelling days, she puts up at a youth hostel back in Taiwan and will stay for months each time.

- Simple daily lifestyle and cook simple fares using microwave.

 

While I wow-ed, I wonder how many bros here could have such lifestyle. No property is really cost saving for her I think. She can divert her retirement funds to things that matters to her.

 

What do you guys say about this?

[auscent]

I much prefer to get my own house

 

: I rented for many years. Nomadic life offers less stability. I cut expenses by living more frugally/ less international travel, but no more renting. Doesnt mean I eat instant noodles all the time. 

 

: in this way, I now have more options to retire in Msia. Im more at peace now.

 

[radiusulnar]

On 8/6/2025 at 1:09 AM, Levis said:

puts up at a youth hostel

 

I stopped reading at this point. 😂 

[Levis]

On 8/7/2025 at 9:59 PM, auscent said:

I much prefer to get my own house

 

: I rented for many years. Nomadic life offers less stability. I cut expenses by living more frugally/ less international travel, but no more renting. Doesnt mean I eat instant noodles all the time. 

 

: in this way, I now have more options to retire in Msia. Im more at peace now.

 

 

@auscent, I share the same sentiments as you. I do wonder how sustainable is nomadic lifestyle. There are YouTubers from Japan and China sharing their campervans lifestyle. A few days ago, I even saw a young guy from M'sia doing similarly.

 

I guess ultimately it's about one's choice in their funds deployment. Comfort vs. Stability vs. Long-Term Financial Goals

[Levis]

On 8/8/2025 at 6:53 AM, radiusulnar said:

 

I stopped reading at this point. 😂 

 

LMAO!

[justin1982]

I m curious is Singapore a good place for retirement?

https://www.theonlinecitizen.com/2025/08/08/nearly-99000-malaysians-gave-up-citizenship-for-singapore-nationality-from-2015-to-mid-2025/

[auscent]

37 minutes ago, justin1982 said:

I m curious is Singapore a good place for retirement?

https://www.theonlinecitizen.com/2025/08/08/nearly-99000-malaysians-gave-up-citizenship-for-singapore-nationality-from-2015-to-mid-2025/

I think Msians settling in Sg

..those with families/ children going sch

..still in early to mid career stages

 

Those Msians in Sg who r retiring

..may prefer to settle in Msia due to cost, parents, lifestyle

[Levis]

13 hours ago, auscent said:

I think Msians settling in Sg

..those with families/ children going sch

..still in early to mid career stages

 

Those Msians in Sg who r retiring

..may prefer to settle in Msia due to cost, parents, lifestyle

 

@auscent, yah. SG is famously known to be good for earning SGD and has a good environment to offer young M'sian couples and their family. When they become older, unless really quite well-to-do, most would want to go back to M'sia. I recalled my dad kept saying that he wanted to return to M'sia to buy a Mercedes after retirement. I suppose this still holds for a number of M'sians staying in SG.

[Levis]

 

SG Bros (apologies to bros from other countries, this one is more suited for SG locals), did you catch NDR '25? I did, with a lot of mixed feelings.

 

Anyway, filtered this specific topic from it, wrt Age Well in SG.

 

TLDR.

- SG govt piloted Care Community Apartments (CCAs) at Bukit Batok and going to launch more.
- To launch more home-based services.
- To have more coordinated staff to be your 1st respondent.
- To bring care facilities nearer to residential areas.

 

These are called Age Well Neighbourhoods, within the HDB towns so seniors would not live in isolation and would be supported by communities.

 

Personally, I find this an extremely compelling proposition which is tilting my preference towards retiring in SG despite the higher cost. I mean, when you be in your 60s, potentially frail and possibly semi-disabled if unlucky, what you need is senior-friendly services near you, isn't it? Honestly, I am not sure if JB and KL would offer such senior-friendly considerations when I seriously need those facilities and services at that age.

 

Of course, another consideration is on the ageing HDB and its remaining lease concerns, which Min Chee Hong Tat recently said in an interview early Aug 2025. No more SERS, only VERS though VERS' policy is likely going to materialise in mid 2030s when the 1st batch of HDB flats reaching 70 years old. No more winning lottery. Potentially tighter finances. When you are that age, you may be forced to consider your limited options of accepting VERS with a less than ideal compensation and perhaps a not so good follow-up living arrangement.

 

 

What do SG guys think? Does the "Age Well Neighourhood" potentially change your mind or are you more concerned about the ageing flats issue?

[radiusulnar]

I think that people should accept the consequences of their choice to purchase leasehold property.

[trinka55]

I think one quick way to acclimatise to MY is to get MY bf...

 

Edited August 29, 2025 by trinka55

[Coolbriz]

On 7/20/2025 at 11:10 PM, ToughGuy said:

As for your Mum, bring her into M'sia more often..enjoy good food, abundance of freedom at much lower cost..soon she may ask "when going to JB??"😂😂😂

I have been doing that lol. In fact she enjoys every stay we had there. But like what you have rightfully mentioned, it’s still very different when you stay there long term. Thus, her stand to me has always been, “do it only after I’m gone”.. 

[ToughGuy]

34 minutes ago, Coolbriz said:

I have been doing that lol. In fact she enjoys every stay we had there. But like what you have rightfully mentioned, it’s still very different when you stay there long term. Thus, her stand to me has always been, “do it only after I’m gone”.. 

It is never easy for senior folks to agree with changes esp when they dun see a need.

 

Took me years to convince my late Mum to change her set of pots and pans... Every time we discussed about this "still can use, why waste money?"🤦🤦🤦

 

 

[sgwildfire18]

On 7/15/2025 at 12:14 AM, Levis said:

Hey bros, thought I’d share some notes from my own retirement planning journey. I’m looking at options to retire by 50 (fingers crossed and 3.5 years more to go), and the top contenders are Johor Bahru (JB), Kuala Lumpur (KL), or just staying in good ol’ Singapore (SG).

 

Figured I’d break it down by some key factors — and hopefully this sparks more sharing from others here.

 

A. Budget Sustainability (Till We Go Upstairs ~84 yrs)
SG: Solid but premium pricing — every kopi feels like it's inflated with GST and childhood memories.

JB: Your dollar does gym-level stretching here. Groceries, hawker food, massages — all cheaper. Just don’t forget to factor in medical insurance and Grab fares.

KL: Similar to JB but with more temptation to overspend in big malls. Retirement might turn into "early reemployment" if you hang out in Pavilion too often.

 

B. Lifestyle Closeness to SG
SG: Comfort zone, no surprises. MRT delays are the most exotic part of daily life.

JB: Feels like SG from 15 years ago — familiar hawker food, Singlish everywhere, and even our favourite bubble tea chains made it over.

KL: A bit more rojak, but still very navigable for SG guys. More English signage, but also more traffic jams and confusing mall layouts.

 

C. Food Choices
SG: 24/7 food paradise, but lately everything comes with a side of "price increase".

JB: Legit good and cheap — but your tummy might need to build immunity if you're too used to NEA grades.

KL: Endless food choices too — with some amazing local and international picks. Be warned: their char kway teow is different (don’t fight the auntie over it).

 

D. Healthcare
SG: Excellent, if you can afford it or have enough MediShield/MediSave/meditations.

JB: Good for GP visits and dental, but serious stuff may still see you crossing back to SG with your CT scan results in hand.

KL: More established private hospital options than JB — some even with concierge vibes.

 

E. Housing Affordability / Variety
SG: Unless you’re ballin’ or inheriting a flat, prices here can kill your FIRE dreams.

JB: RM500K gets you a condo with pool, gym, and sometimes even a small ghost in the hallway.

KL: More developed options, slightly more expat-friendly. You might even find one with a durian ban written into the tenancy agreement.

 

F. Transport (Getting Around / Back to SG)
SG: MRT is king, even if it gets moody sometimes.

JB: RTS Link is coming (finally), but current crossings can still be a test of patience and bladder control.

KL: Affordable flights, but don’t expect Changi standards. And if you thought SG traffic was bad, wait till you try their rush hour.

 

G. Public Infra / Daily Convenience / SG Banking Access
SG: 10/10 convenience. Everything works — except sometimes Singpass OTPs.

JB: Maybank2u + DBS/POSB + PayNow magic still works, but don’t expect everything to be digitised — bring a pen.

KL: Better infra than JB. More modern malls, Grab everywhere, and decent banking options — just double check the ATM before you put your card in.

 

Final Thoughts
Right now, I’m leaning toward KL as I'm most familiar with it although JB is kind of "best of both worlds" — close to SG, cost savings, familiar lifestyle. KL is also appealing if I want more city life. SG is still the gold standard… but at gold bar prices.

 

Would love to hear what you guys are thinking. Anyone already testing the waters in JB/KL? How are you planning around CPF, healthcare, or visas? Let’s build this into a solid info thread for all the SG bros looking ahead!

 

 

P.S. I'm not a financial planner and not trying to solicit biz.

Last year, when I was having lunch with my Malaysian bf after a visit to the dentist, the restaurant owner came by and talked to us. When she found out that we were living in SG, she commented - you know, you Singaporeans are RICH but so what? I live in landed property and drive a big car; you live in a hole in the air and take public transport. We smiled politely but what she said is so true. We are surviving in SG; they are living a life in MY.

 

My response is based on my experience in JB (will venture to KL when the electric train is operational this month cos I want to ogle at KL boys too)

 

(A) Question - why take Grab when cars are so cheap in MY? In fact, the PARF from my SG car (when my COE expires) should pay for a decent (second hand) car in MY. And maintenance in MY is SO CHEAP. As for medical insurance, I assume you have all the time in the world by then so why not take advantage of the SG-government subsidized healthcare services in polyclinics? You did your national service and paid your taxes so 不用白不用.

 

(B) Don't really feel that JB is SG 15 years ago. In fact, the open spaces remind me of my days in USA

 

(C) I'm not a foodie so I'm ok with the choices in JB.

 

(D) Dental treatment is SO MUCH CHEAPER in JB (don't be conned when they say it is MediSave-deductable; MediSave is still your money). As for healthcare, make use of government-subsidized services in polycliinics.

 

(E) I plan on cashing out on my properties in SG cos I don't have faith in the new generation of PAP leaders. I already have a property in Malaysia so I don't have a problem here.

 

(F) RTS + Grab (in SG) and a car (in MY) will solve all the problems. Instead of considering only SG-MY, why not consider MY-International? Flights in and out of MY are SO MUCH CHEAPER.

 

(G) DBS and SingPass still work in JB and that's good enough for me.

 

Final thoughts - I really worry about the future in SG because the government still tripod USA hence I will place my bet on MY as I think they are on the right track currying favor with China.

[Anderson]

Just like in SG, many folks in Hong Kong are choosing to retire in China to stretch their money and several smaller cities within the Bay Area (大湾区) are favourite choice eg. Huizhou （惠州））which is a short trip from HK while Hengqin (横琴）and Zhuhai (珠海）are linked to Macao.

The main advantage of these cities is proximity to international airports where you can just take a short train/bus trip to HK or Macao for all your all flights. Then it's the cost and standard of living, a reasonably high quality and standard for much lower cost and no language problems or cultural shock. My HK friend's retired parents first tried to rent an apartment in Guizhou for a year to try out the way of life there before decision to live there permanently. Now they have bought a seaview apartment for permanent stay and the best part is my friend can pop over anytime for weekend stay over.

 

[Levis]

On 8/18/2025 at 10:54 PM, radiusulnar said:

I think that people should accept the consequences of their choice to purchase leasehold property.

 

@radiusulnar, somehow it's not reflected in the transaction prices. I was doing some analysis on past 2 years of HDB transacted prices for a couple of HDB towns. Some transactions can be escalate as high as 10+% over 1 year period for the same block and around the same floor! I think the market is crazy. Good news for sellers. LOL.

[Levis]

On 8/30/2025 at 6:54 PM, Coolbriz said:

I have been doing that lol. In fact she enjoys every stay we had there. But like what you have rightfully mentioned, it’s still very different when you stay there long term. Thus, her stand to me has always been, “do it only after I’m gone”.. 

 

Which sets me thinking for a while now, whether our Asian culture and mentality is limiting us to do what could be better for us. Unlike Asian parents, Western parents would make sure their kids fly off when they come of age and stop the kids from continuing to leech on them. I guess in SG/MY, our govts advocate family values. Though I think this is their strategy to prevent old folks from being left alone and more social problems (governments would end up bearing the cost) would arise. Since the singles' proportion in the society is increasing, smaller children population, older folks would eventually be single/couple-only anyway. Might as well deal with it now -- Welcome Age-Well neighbourhoods and Care Community Apartments!

[Levis]

On 8/30/2025 at 7:37 PM, ToughGuy said:

It is never easy for senior folks to agree with changes esp when they dun see a need.

 

Took me years to convince my late Mum to change her set of pots and pans... Every time we discussed about this "still can use, why waste money?"🤦🤦🤦

 

 

 

Deja vu, Hahaha. So nowadays, I choose not to argue with my mum. Let her do anything she likes / wants, even when I think her decision would end up losing more $$. So I told her she has to bear the consequences if she chose her way. I guess that's one way to deal with old folks. Be open about matters but make them be accountable for the outcomes. Don't say I didn't say ah.

[ToughGuy]

1 minute ago, Levis said:

 

Deja vu, Hahaha. So nowadays, I choose not to argue with my mum. Let her do anything she likes / wants, even when I think her decision would end up losing more $$. So I told her she has to bear the consequences if she chose her way. I guess that's one way to deal with old folks. Be open about matters but make them be accountable for the outcomes. Don't say I didn't say ah.

No lar...just caution while be safety net...

 

Do you want her to have sleepless and health deterioration over some money loss?... We too make mistakes and loss money, right? Think deeper...

 

my parents passed away decades ago..I wish I could turn back the clock and finance their loss, if any... After all when we die we can't bring wealth along with us, right?

 

(Sorry to derail from main topic)

[Levis]

12 hours ago, sgwildfire18 said:

Last year, when I was having lunch with my Malaysian bf after a visit to the dentist, the restaurant owner came by and talked to us. When she found out that we were living in SG, she commented - you know, you Singaporeans are RICH but so what? I live in landed property and drive a big car; you live in a hole in the air and take public transport. We smiled politely but what she said is so true. We are surviving in SG; they are living a life in MY.

 

My response is based on my experience in JB (will venture to KL when the electric train is operational this month cos I want to ogle at KL boys too)

 

(A) Question - why take Grab when cars are so cheap in MY? In fact, the PARF from my SG car (when my COE expires) should pay for a decent (second hand) car in MY. And maintenance in MY is SO CHEAP. As for medical insurance, I assume you have all the time in the world by then so why not take advantage of the SG-government subsidized healthcare services in polyclinics? You did your national service and paid your taxes so 不用白不用.

 

(B) Don't really feel that JB is SG 15 years ago. In fact, the open spaces remind me of my days in USA

 

(C) I'm not a foodie so I'm ok with the choices in JB.

 

(D) Dental treatment is SO MUCH CHEAPER in JB (don't be conned when they say it is MediSave-deductable; MediSave is still your money). As for healthcare, make use of government-subsidized services in polycliinics.

 

(E) I plan on cashing out on my properties in SG cos I don't have faith in the new generation of PAP leaders. I already have a property in Malaysia so I don't have a problem here.

 

(F) RTS + Grab (in SG) and a car (in MY) will solve all the problems. Instead of considering only SG-MY, why not consider MY-International? Flights in and out of MY are SO MUCH CHEAPER.

 

(G) DBS and SingPass still work in JB and that's good enough for me.

 

Final thoughts - I really worry about the future in SG because the government still tripod USA hence I will place my bet on MY as I think they are on the right track currying favor with China.

 

@sgwildfire18, thanks for sharing your take on those categories of considerations! Well thought through.

 

I think many of your points are valid. Transport, medical, housing... To me, it's about understanding the pros and cons on each area of consideration and one has to weigh-in on his individual priorities against them.

 

Thought I want to talk about your response (E). The recent announcement made by Min Chee on the public housing policy stances is giving me concerns. For the longest time, SG government has been saying that our HDB is an asset and their HUP/HIP (whatever) is to help to increase our HDB flats' value over time. Now, w/o SERS, it's basically telling you that the government will let the lease decay until 99 years and gone.

 

Many of us have spent life savings from CPF to purchase the flats. More so, many singles like us are unable to openly buy flats from HDB directly. It's only recently when the policies are starting to loosen but still with many restrictions like 2-room flexi only, salary ceiling, etc. Hence, still have to turn to the open market. But we know, in the open market, one has to pay for a high premium, COV, etc. All these in return, the flat value will become $0. With many Singaporeans somewhat depending on the flat value to cash out sometime in the golden years, this possibility is soon-to-be gone.

 

Even with VERS, they already said that it would not be as favourable as SERS. Meaning, they are only going to buy-back your remaining 20+years lease (by the time the remaining value is likely to have dropped significantly) and one may still have to top-up more to get another lodging. By that time, we all will be walking with clutches already, where got $?

 

So, applause for you to have made the MY property plan ahead of time and thinking of cashing out. No such worries. LOL.

[radiusulnar]

14 minutes ago, Levis said:

lease decay until 99 years and gone.

 

14 minutes ago, Levis said:

All these in return, the flat value will become $0.

 

$500psf / $1000psf / $3000psf 99 leasehold property will all be $0 at the end of 99 years because it is leasehold.

 

[Levis]

11 minutes ago, ToughGuy said:

No lar...just caution while be safety net...

 

Do you want her to have sleepless and health deterioration over some money loss?... We too make mistakes and loss money, right? Think deeper...

 

my parents passed away decades ago..I wish I could turn back the clock and finance their loss, if any... After all when we die we can't bring wealth along with us, right?

 

(Sorry to derail from main topic)

 

Nah, relationship with parents are also part of our retirement consideration. So I think still within topic.

 

Well, my take is that there are just so many different types of parents, just as there are as many different types of children. Some parents are open-minded, willing to learn and not insisting that they consume more salt than you eat your carbo. While others still live in the generation where there's China Emperors when parents' words are decrees. As a  child, I think the fundamental modus operandi is to respect their wishes but do our part to warn them of consequences. They are individuals with their own free-will afterall and despite being parents (and full-grown adults), they also need to know they have to take ownership of their choices. What I couldn't live with is that they blame you for worse-than-expected outcomes and make you guilt-trip about it. I refuse to be part of the karma for their less-than-ideal decisions. Not the most filial son I reckon, but it's ok.

 

I always told my mum that I'm expected to live 30 more years than her and apologise that I'm unable to grant all her wishes (I'm not the Aladdin lamp genie!) if I have to bear the many years of consequences beyond her lifespan just to make her happy for that few days. Despite that, her physical well-being is still an important thing to me.

[lonelyglobe]

HDB is not about ownership, is more about rentalship with possibility to transfer your flat to someone for a profit if u r lucky. Cashing out on HDB and buy a foreign property involve a lot of risk,  the best option would be to rent out the whole unit and live somewhere else.

 

Vers is a scam and hope the first few batch all vote against it and hopefully force them to compensate more.

 

Anyway, for elderly, single or childless couple, if the flat can outlive u,  i dont see why u need to go for vers,  definitely pay more and get a smaller flat. Money is a problem and even if is not a problem, pay for another 99 years but only enjoy maybe 10 years with no one to pass on, what is the point? Not to mention the hassle of moving house with your walking sticks and getting to move into an unknown new territory with new faces. 

 

 

Edited September 2, 2025 by lonelyglobe

[sgwildfire18]

On 9/1/2025 at 11:26 PM, Levis said:

 

@sgwildfire18, thanks for sharing your take on those categories of considerations! Well thought through.

 

I think many of your points are valid. Transport, medical, housing... To me, it's about understanding the pros and cons on each area of consideration and one has to weigh-in on his individual priorities against them.

 

Thought I want to talk about your response (E). The recent announcement made by Min Chee on the public housing policy stances is giving me concerns. For the longest time, SG government has been saying that our HDB is an asset and their HUP/HIP (whatever) is to help to increase our HDB flats' value over time. Now, w/o SERS, it's basically telling you that the government will let the lease decay until 99 years and gone.

 

Many of us have spent life savings from CPF to purchase the flats. More so, many singles like us are unable to openly buy flats from HDB directly. It's only recently when the policies are starting to loosen but still with many restrictions like 2-room flexi only, salary ceiling, etc. Hence, still have to turn to the open market. But we know, in the open market, one has to pay for a high premium, COV, etc. All these in return, the flat value will become $0. With many Singaporeans somewhat depending on the flat value to cash out sometime in the golden years, this possibility is soon-to-be gone.

 

Even with VERS, they already said that it would not be as favourable as SERS. Meaning, they are only going to buy-back your remaining 20+years lease (by the time the remaining value is likely to have dropped significantly) and one may still have to top-up more to get another lodging. By that time, we all will be walking with clutches already, where got $?

 

So, applause for you to have made the MY property plan ahead of time and thinking of cashing out. No such worries. LOL.

My concerns with housing go beyond HDB - it's PAP's handling of geopolitics that alarms me. As an example, I saw this article today: https://sg.yahoo.com/finance/news/china-build-land-based-suez-163146461.html . Singapore's economy is based on maritime traffic. If ships do not need to pass by Singapore any more, we will be in deep shit, no thanks to our government's pro-USA policy.

 

LKY first promised that he would return our CPF monies at 55. He also said that our HDB apartments will be our greatest asset. Then his son came along and imposed the minimum sum. Then Lawrence said ... sorry .. your HDB will be worthless after 99 years. So I came to 2 conclusions:

 

1) I trust PAP as far as I can throw them

2) My money in my pocket is better than my money in PAP's pocket anytime.

 

Hence I made it my policy to empty my CPF money (buying property) whenever I can. Fortunately I bought all my properties pre-ABSD. No way I am contributing to their million-dollar salaries if I can help it.

Edited September 3, 2025 by sgwildfire18

[sgwildfire18]

On 7/16/2025 at 7:34 PM, Levis said:

 

 

Something to share with bros here. Maybe it may resonate with you.

I saw this coming many years back with the influx of Indians and Filipinos into SG. Whenever I went for an interview, if the interviewer is an Indian or the HR is a Filipino, I knew my chances of landing the job would be near zero. Basically they hire their own clique .. and while I may be generalizing here, I believe the government also recognizes this problem and is takinig steps to address this issue quietly.

 

My conclusion then is .. the best job in the world .. is a job that you don't need ie. financial independence.

[youdoyou]

2 hours ago, sgwildfire18 said:

I saw this coming many years back with the influx of Indians and Filipinos into SG. Whenever I went for an interview, if the interviewer is an Indian or the HR is a Filipino, I knew my chances of landing the job would be near zero. Basically they hire their own clique .. and while I may be generalizing here, I believe the government also recognizes this problem and is takinig steps to address this issue quietly.

I think it’s the same problem minorities here have always faced when they submit applications and are rejected/ignored cos they’re not Chinese (unless there’s a quota to fill). It comes back full circle I guess.

 

i haven’t read the entire thread but some of the things other members have posted are food for thought for sure. For instance, hdb was meant to be affordable housing for people to live in, until it became fashionable and almost a given to profit from - which has of course messed things up for the current generation of singles where we’re seeing resale flats going for around a million bucks. The government’s response is to build more BTOs, but we’re gonna run out of space at some point - then what?

 

So we consider retiring elsewhere cos Singapore is expensive, and our dollar goes further beyond our shores. Sure it does, but that inflicts on the local populations additional pains cos now they have to fight off foreigners (us) taking their resources. It’s something a Malaysian professor once said at an election talk I attended in 2013: homes are getting more expensive there for them cos Singaporeans are buying them up. Some Singaporeans in the audience weren’t pleased, but that’s the reality. Same way we’re complaining about foreigners driving up prices here. 

Of course, I’ve thought about how and where I want to retire too, but at the same time, I’m not sure I want to be a source of someone else’s problems. 

[leckmich]

i just read through all the three pages in one go.

 

nobody talked about old age; i guess you guys are still young? like if you are alone, be it here or abroad, who will look after you?  fine if you are healthy and fit, but at some point, when you no longer can walk or even talk, even thought of a retirement home or old folks home or whatever they call it?

 

do you guys check out the options for this locally or abroad etc?

[leckmich]

Quote

JB: RM500K gets you a condo with pool, gym, and sometimes even a small ghost in the hallway.

 

 

these must be quite crappy ones at that price, right?