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Be prepared for lower returns on your investments for retirement

One option is to choose low-cost, well-diversified portfolios that fit your risk profile and needs. By Sean Cheng

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MAKING YOUR MONEY WORK HARDER: In a low-interest-rate, low-inflation and low-yield environment, taking the time to understand and thereby maximise the risk-free interest rates from CPF and CPF LIFE should enable you to retire more comfortably than if you did not.

MAKING your money work harder has been relatively challenging ever since the global financial crisis in 2008. And subsequent events such as the European debt crisis and China's economic slowdown have created so much volatility and uncertainty in equity markets that many investors have found it