Your Lifetime “Salary” Starts Here.
How an Ordinary Worker Built a ~$3,000/Month Passive Income Engine.
The “Uncle Peter” Philosophy
Welcome to SafeAndSaveSG. I’m Peter. For 32 years, I woke up to a 5:37 AM alarm and faced an 80-minute commute. I’m not a tycoon—I’m a worker who decided to stop chasing “get rich quick” schemes and started building a Retirement Fortress.
I focus on Cash Flow. My goal is to show you how to turn your CPF into a guaranteed monthly paycheck that covers your lifestyle, your coffee, and your freedom. I reached the 2026 Enhanced Retirement Sum (ERS) not by luck, but by discipline.
The Foundation: Maxing My RA
By hitting the 2026 ERS of $440,800, I secured my future monthly payout.
Total Portfolio: $1.1M+ (But the monthly payout is the real prize)
The 4 Pillars of a Stress-Free Retirement
1. The RA Interest Hack
Moving funds to the Retirement Account to unlock 4.0% interest and higher CPF LIFE payouts.
Maximize Your Payout →2. The OA Liquidity Wall
Keeping a “Safe” balance in your OA for emergencies while it still earns 2.5% risk-free.
Protect Your Savings →3. The Housing Refund Fix
How I stopped the “Accrued Interest Leak” to keep more money in my own pocket.
Stop the Leak →4. Medisave Shield
Hitting the BHS cap so your Medisave starts feeding your Retirement fund automatically.
Master the Overflow →My $35,000 “Ghost Salary”
I earn this every year without lifting a finger. It is the reward for being patient and safe.
“Wealth isn’t just about what you make; it’s about the monthly income you can keep forever.”
See the Full Income Breakdown