As 2026 draws to a close, should you top up your CPF, invest or keep more cash on hand? With the 31 December CPF top-up deadline approaching and CPF changes taking effect in 2027, Lance Alexander speaks with Chuin Ting Weber, Chief Executive Officer and Chief Investment Officer, MoneyOwl, about the financial decisions that can strengthen your retirement position. They discuss how to check your retirement income gap, weigh tax savings against access to cash, and decide what to prioritise when money is tight. Through practical examples, find out how your age, family commitments and financial position can shape your next move.