Should You Help Your Child Buy a Flat With Your Retirement Money? (The Sandwich Decision)

Your child wants to buy a flat and you want to help. The question nobody asks first: what does helping cost you in the years when you can no longer earn? Not the money you hand over. The second cost, the one that arrives ten years later when a signature has quietly switched off thousands a year of support you would have received automatically. In this video: the four ways to help ranked from safest to most expensive, why co-ownership is the one that makes you an owner of more than one property, what that single fact costs you across the GST Voucher and Silver Support, the three other consequences nobody mentions including what happens to your estate, and the staged approach that keeps you helping without committing everything at once. Help with cash rather than your name. And count what you are giving up before you sign. GET THE FULL PLAN The Singapore Retirement Blueprint. Workbook plus the Drawdown Planner spreadsheet. https://moneywithwei.com MENTIONED IN THIS VIDEO CPF, Silver Support Scheme: https://www.cpf.gov.sg/member/retirement-income/government-support/silver-support-scheme GST Voucher: https://www.govbenefits.gov.sg/government-benefits-schemes/gst-voucher/ Silver Support and GST Voucher amounts and conditions are as published for 2026. The $4,540 figure adds a three-room Silver Support year to the GST Voucher cash and MediSave portions and is a worked example for one household type, not a universal figure. Individual eligibility should be confirmed with CPF and HDB. DISCLAIMER This video is educational information only and is not financial, legal or tax advice. It is not a projection or guarantee of any outcome. I am not a licensed financial adviser and I am not licensed by the Monetary Authority of Singapore. Figures reference CPF, HDB and IRAS rules as published for 2026 and may change. Verify your own situation at cpf.gov.sg, hdb.gov.sg and iras.gov.sg, do your own research, and consider speaking to a MAS licensed adviser or a lawyer. Investing involves risk, including the possible loss of capital. #CPF #HDB #SandwichGeneration #RetirementSingapore #MoneyWithWei