Piyush Gupta says plan to live to one hundred — but if your retirement is a 35‑year marathon, can your DBS, Keppel and REIT dividends actually last the distance? In this episode, I walk through my forensic “plan‑to‑100” checklist: CPF LIFE as your kopitiam‑money floor, why gearing and net interest margin matter more than today’s juicy yield, and how a tiny leak in payout can snowball into a blown‑up portfolio. We talk like heartlanders — HDB versus condo, Bedok kopi versus Jurong MRT fare hikes — but the stakes are deadly serious: will your money outlive you, or the other way round?
Key takeaways:
CPF LIFE is your non‑negotiable longevity anchor, not a nice‑to‑have top up
Treat DBS, Keppel and other dividend names as risk capital, not your retirement “roof”
Use a 4.7% yield durability hurdle and 35% gearing ceiling for multi‑decade holdings
A 1% yield leak over 35 years can quietly erase $35,000 on a $100,000 portfolio
Growth Watch names sacrifice yield today so your dividends still show up…
