I came across this magazine Personal Money (August 2007 edition) which featured an article on EPF and retirement planning. It is a long article but it gives a good overview on the do's and don'ts when planning for retirement at various stages in life. I won't be explaining much since the article itself is 9 pages long and due to its length, I'll be uploading it in two parts because blogspot only permits a maximum of 8MB picture uploads per post. Do take your time to download and read them. Have a good read and cheers!