I think you should reapply for PR or you should appeal against the decision that rejected your PR. I think in the long round that’s the best move. Even for PR and citizens the CPF in one’s account is hardly sufficient to see one through. Having said that, yes the best thing to purchase commercial insurance to prepare for retirement. The type of insurance should be the endowment type and not life. There is no too early date to buy insurance because the younger you are the lower the premiums payable.
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Circumnavigator, lawyer and columnist and the man who divides his time between Singapore, Hong Kong and China. I believes that etiquette transcends nationality and race. 
In this column I will offer stylish advice to everyday questions on etiquette at work and at home and anything else that may be bothering you.
