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Ageing and Finance: A Guide to Investments for the Golden Years

The golden years mark a significant phase of life when we all move away from our careers and start looking toward retirement, embracing a newfound freedom and the pursuit of personal aspirations.

For us, this period often coincides with another transformative journey—the experience of menopause. As hormonal changes and shifting health priorities come to the forefront, it becomes crucial to navigate the financial landscape with careful consideration and planning. Investing for the golden years requires a tailored approach that accounts for the unique needs and challenges faced by women going through menopause.

Us here at Surety have put together a short guide to how one should invest as we enter our golden years!

(Re-)Assess your retirement goals

Begin by evaluating your retirement goals and the lifestyle you envision during your golden years. Consider factors such as the desired age of retirement, potential healthcare expenses, travel plans, and any other personal aspirations. This evaluation will serve as a foundation for your investment strategy.

Increase your retirement contributions

With retirement on the horizon, it's important to maximize your retirement contributions. Luckily for us Singaporeans, we have our Central Provident Funds (CPF) that already supplements our retirement funds. Yet, it is still important to diversify and look for other ways to increase one's contributions as these can help accelerate your retirement savings and provide you with a more substantial nest egg for the future.

Diversify your investments

Which brings us to the next point: diversifying your investments in particular. Diversification remains crucial at this stage of your life. Allocate your investments across different asset classes, including stocks, bonds, real estate, and potentially alternative investments. Diversification helps to spread risk and potentially enhance returns while considering your risk tolerance and time horizon.

Prioritize healthcare planning

This stands as one of the most important points. As we have covered in our other articles, menopause brings unique health considerations, and it's essential to plan for potential healthcare expenses in retirement. Evaluate your health insurance coverage and consider supplementing it with long-term care insurance. Discuss options with your financial advisor to ensure your retirement plan adequately addresses potential medical costs.

Adjust your risk tolerance

As you approach retirement, it may be prudent to reassess your risk tolerance. Typically, as individuals get closer to retirement, they become more risk-averse to protect their accumulated savings. Review your investment portfolio with your financial advisor and consider gradually shifting towards a more conservative asset allocation that aligns with your changing risk tolerance.


Managing financials in one's retirement years is about building a foundation that allows you to live a fulfilling and balanced life, embracing the opportunities that lie ahead. And with careful planning, informed decision-making, and a focus on your overall well-being, one can confidently step into your golden years, knowing that your financial future is secure.

Embrace this phase with excitement, optimism, and the knowledge that you have taken the necessary steps to create a prosperous and rewarding retirement, and know that us here at Surety are here to support you every step of the way.

If you're looking for more insights into financial strategies for retirement, let us know in the comments. We're all ears!

Important Notes:

This article is meant purely for informational purposes and should not be relied upon as medical advice. Always consult a medical professional for specific advice on your health.

This article has not been reviewed by any medical professionals or legal bodies.


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