When we talk about retirement, the question is usually pretty straightforward: have you saved enough?

But the reality is a little more complicated. There are clearly Singaporeans entering retirement with significant assets, but having money and knowing how to use it in retirement are two very different things.

At this year's National Day Rally, Prime Minister Lawrence Wong said the government is looking at giving seniors with healthy MediSave balances more flexibility in how they use those funds, while also making it easier for seniors to unlock the value of their homes while continuing to live in them.

So how do you bring together CPF, property, investments and cash into a retirement strategy? And when should you start thinking about turning your wealth into an income?

On The Agenda, Hongbin Jeong speaks with Zac Ng, Senior Financial Services Director, PhillipCapital, to find out more.