JB Retirement are for Singapore Washouts! 

disappointing, Singaporeans commenting as such .... I live in JB and Singapore - not i cannot afford retiring in SG, i would prefer the pace, space and people are just kinder! over the years, Ive shocked at how much Malaysia has improved, they offered multiple payment methods, transport is fantastic. well said Mr Loo.

A thumb-up for you, Mr Loo. Thank you for speaking out. @>-

omg, the person who wrote that message on borderline singaporeans is one super myopic person or simply uneducated (it doesnt mean that if one goes to school then he is educated). I know of many people who are high income earners and have built a big nest egg who are also keen on moving to JB for the wider space, lesser crowds, better food etc etc and not just for the better value that they get for their money. I just wonder why this person with such thoughts even want to join your telegram group in the first place ????

Let's all not be so defensive, unless the stir is for click bates. "Concrete efforts comfortably retirement" could also mean to plan intentionally, undeniably, and find justified level to retire comfortably. Her mother's view is also not wrong. There is no need to chase for big house, eat cheap and take advantage on others at this age... but if want to, then ok, go find a right place regardless being a borderline, poor, smart, top line, lucky or unlucky. Why rain on the ladies? Like u said, yr daughter is not like her daughter, so her daughter experience, bkgd and perception r not like yours. Borderline, elitist or arrogant? It's just English. Stay calm ,be steady gentlemen. The truth is in our belly.

Borderline Singaporeans go Johor live like King, sounds good to me

If those people who look down on Singaporean who like JB, ask them to go first world country to live in. Why go Bali instead? Shame on them who thought they are rich to comment on average Singaporean.

Retire in your own country is better . My community is in sg , and we can make retirement life here more fulfilling , and also do volunteer svcs in our own way to make sg a better place

I agree with Mr Loo on having the global mindset.Guys there is nothing wrong with getting the best value for our money.JB or HCM is a good alternative venue for retirement

Actually, I think the reverse is true, i. e. only well to do Singaporeans could have a retirement home in JB or Malaysia, if they have MM2H which is quite costly to get. Without a valid long term visa to stay in Malaysia, non Malaysians cannot retire there, other than treat it as an extra holiday home. In other words, these people still need to have a home to stay in Singapore most of the time.

To each his/her own. Never thought of retiring anywhere else and will not condone anyone who choose to retire elsewhere, as long as one is happy.

I am borderline Singaporean, old senior, but I never thought of retiring elsewhere because life is still good here. Prices go up but there is help from government. Healthcare is good and affordable. I still can find 2 veg 1 meat economy rice at $4 in the nearby shop. I am happy with my old flat. Just say, let's be contented. Things in JB are not much cheaper except because of the exchange rate. My fellow Malaysian Co workers think that dollar for dollar comparison, Singapore is not more expensive. Probably we should really stop comparing. Both the environments are different.

The sad thing is that you can't retire in the country that you served National Service, and work hard to contribute it's success. The saddest is even JB option is only temporary ( 10-20 years). Somehow, you still need to come back and die in this land.

u deserve my deepest respect for speaking up against such arrogant and ignorant people! these arrogant people should travel more and stop living like the frog in the well called singapore. i have visited enough food places in jb, in fact more than some friends living there, to conclude that the food there is a lot nicer than singapore. it’s not just about the price, it’s the superior overall experience. the standard of food there is just higher!

But the truth here is those who have difficulty to retire in Singapore would unlikely be able to qualify for the MM2H retirement scheme. It is the more well to do that would qualify for the MM2H scheme. Unless you are advocating the use of the 30-day social pass to retire in JB “illegally” or else it is not do-able for Singaporeans to rent out their only HDB flats home in Sg and rent a cheaper flat in JB to retire.

If Singaporeans don't have enough money to retire, they should not retire in JB. Because JB is not alot cheaper than Singapore. Their chicken/duck rice is already above S$3 (after conversion), and a meal at a middle class japanese restaurant at JB City Square is probably just 20% cheaper. If you cannot retire in Singapore, then you should NOT retire in JB because even the Johoreans need to come over to Singapore to work to survive there. So, it does not make economic sense at all. PLUS...if you have an apartment over in Malaysia you will 100% encounter problems with maintenance and utilities. And because many of the properties are sold to foreigners who don't even stay there, their estate funding often has shortfalls, meaning they don't have enough money to upkeep the facilities for you (Landed has its own set of problems). Sometimes they even shut down the elevators (imagine climbing the stairs when you are above 65 years old). And you will face tons of foreigners or transitional renters or Airbnb tenants beside you in your neigboring units if they are occupied (otherwise empty units beside your apartment). You run a very serious risk of getting your things stolen/lost with many transitory tenants. Of course you will still have to pay your property taxes even if you don't stay there and their tax system is different. If you stay there 365 days you need the MM2H visa which is available at a cost of at over S$200k (inclusive of other administrative costs). Go dig. Try over staying and you can end up paying even S$1k per day (happened to some people already). There are many problems the property agents won't tell you. Conclusion: DON'T RETIRE IN JB EVEN IF YOU CANNOT AFFORD TO RETIRE IN SINGAPORE. If seriously no money, move further north.

everyone please go JB so that SG will be less crowded hahaha

Utterly Disappointed! to read such insensitive comments thoughts! Borderline! this person got No Emotional Intelligence! Why Can’t a fellow Singaporean be Happy for another Singaporean to Retire in JB Malaysia? it is a Fact that it’s Costly to retire in SG , who would choose to retire in JB if they can continue to live their twilight years in Singapore? Khor Boon Hwan encouraged Singaporeans to Retire in Malaysia ! is Khor also Borderline? I hope that Singaporeans will look out for those that r the Lost Least n Last in Life ! even if they have tried their best , somehow things don’t work out for them , just to let you know I too have relocated to Thailand 2 years already , does that make me a Borderline too? written without prejudice.

To have a decent acceptable retirement SG is not expensive. Inflation is also not that high compared to the countries with similar GDP. I travel to US,UK, OZ, EU, Dubai almost monthly and their cost of living is expensive.

Thank you Mr Loo, your reply to that comment is wonderful! Ive worked hard as a single parent to buy my home, maintaining dependent parent and raising my child high tuition fees in Singapore. My Ex is not contributing and parent sucking more. Tell me how to make more and afford ? Am no wonder woman...

Hi Mr loo, retirement in Malaysia cost money, it’s actually cheaper to retire in singapore than johor cause you have to maintain 2 houses at the same time, logistics costs to Malaysia weekly, n compulsory savings in a Malaysia banks makes it financially more demanding to retire in Malaysia. It’s an opposite perception that I think, retirement in johor are meant for the wealthy

Another thing I would love to share. Some of the malls, like Mid Valley in JB even rents electric walker for free. My elderly dad simply loved it!

can we acknowledge the fact that there are singaporeans who cannot afford to retire to JB. They cannot meet the MMH2 requirements.

BUT the irony is that pple who are planning to retire in jb are actually well to do & relatively rich. Why? Becos they drive & are savvy & travel frequently, unlike the uncles & aunties who are stuck in sg & only spend time playing chess & talk in coffeeshops.

this type of thinking and comments .. Very entitled snobbish mentality

20% of ppl in singapore still have close linkage to malaysia so no issue if they live and work in malaysia. That is almost 1mil people.

While you're arguing with dump and haters towards Malaysia. The Malaysian Ringgit (MYR) is winning Singapore dollars. Currently is already RM3.25 per-SGD dollar. I think Malaysian Ringgit might go to RM2.90 per-SGD.

The prices in Malaysia for food and property is actually very high if you’re earning a Malaysian income. What singaporeans are doing is actually exporting our inflation to our neighbours, just like how America exported inflation to the rest of the world. Bringing in cash alone doesn’t do anything for Malaysia, it has to translate to an increase in goods and services available in Malaysia for the population to consume. Otherwise it will just lead to inflation

To each his own,, rich or borderline, we all only have one life to live out well..

Yes! Yes! Mr Loo. There are many people who are not poor but, as everything in Singapore is so expensive. Many think very carefully including myself how should we spend in Singapore. However, just by crossing the causeway. Many of us now can enjoy a lot more with lesser $$. I am not borderline, haha! I have condos and cars. Still, I recently bought a condo in JB and my parents simply love it as we can retire there and live really well:) As now we can eat whatever we want. Go for massage, facial, hair done and pedicure freely. My mom even went to a private clinic to have her treatment done at an affordable price and now she can walk much better.

What makes that ignaramus think that Singapore offers a better quality of life than JB? I find JB a more interesting place to retire, Singapore is getting sibeh sian

Malaysia food too oily salty sweet , mostly MSG heavy . Just checkout their hospital case of heart , diabetes, etc. They eat happy everyday like there is no tomorrow except 1 way trip to hospital wards.

agree, for those who can afford to retire in SG, don't take it as if it is 100% your own effort. There is always an element of pure luck at play, and you are simply luckier to start with compared to some other people. So be humble and be grateful and be mindful

I support you Mr Loo❗️

the person who commented negative bcz of the view of his daughter is a very "telescopic viewed person". Must have been staying in a well.

Wa.... very smart to quickly capture the moral high ground and waving the big flag for the 55% 😂😂

I believe your kind intention. But I am a little confused by the target audience for the advice. Who are the ones who move out to JB to retire because they can't do it in Singapore? Are these people too poor to retire in Singapore or do not want to lower their standard of living in Singapore? Anyway, it will be a big project if you start a series about retiring in JB. But maybe it will be a worthy cause. Also, moving forward, I think some of us (🙋‍♀ ) need to consider tightening our belts and learn to be contented. Maybe can create a series about frugal living and living below our means too. This movement has already started in USA many years ago because of their high personal debt. Really don't wish for us to go down that path...

Bravo! Nice wijeo to be response to those "rich and atas" Sporean😂

Mr. Loo, I agree with you on your "recommendation" on retirement in JB. I am retired and doing so in JB is becoming a big attraction to me as well. As far as I can tell, housing (landed properties) mid-sized car, food, groceries, etc. are definitely cheaper than Singapore.

JB retirement are for rich Singaporean. We need to pay a lots for housing, transportation, insurances and visa. (not to mention private education)🤑

Regarding that part where someone mentioned that you can live a $3000 lifestyle in JB where it would have cost $12000 for the same lifestyle in Singapore. This reminds me of the few occasions in supermarket where I would find the same brand and product would costs more elsewhere. It's actually due to the fact the place of manufacture is different. For peace of mind, we would probably be willing to pay more for that food product made in Singapore where there is more assurance of quality rather some other country. Similarly, we would probably be willing to pay a premium to live in Singapore. Same same but still different.

Retirement? Malaysians are renting an HDB 1 room, those I speak with even share this room that costs between 800 - 1000 SGD. I am a Singaporean renting a condo in JB but I work in Singapore. I don't need the condo facilities, I need public housing in my own country. 800 - 1000 SGD rent for just 1 room is too much for a Singaporean citizen. Singapore loves foreigners.

Mr Loo has every right to comment or refute any negative comments on his podcast. He should also be prepared to accept negative comments or people who do not agree or share his sentiment or experiences. Don't ask people to "shut up". Then don't podcast - like getting free promotion publicity or advertisement. 55% of Singaporeans want to retire in Malaysia, specifically in Johore? Really? Yes, go over now and then for a day drive in the countryside now and then, eat cheaper seafood (which my Malaysian colleagues said overpriced and actually blamed us!), have a good and cheap massage and car wash, and do a little shopping especially for those items that Singapore does not have or allow. Then return back home to the island to relax safe and sound. Batam is a viable alternative place for a day's outing (but not retirement).

I M PROUD TO BE BORDERLINE SINGAPOREAN!

Mr Loo. I always so encourage after your possible feedback after the so negative and selfish comments. Your wisdom and wise suggestions have already given us a positive booster energy . ❤

What about those retiring in vietnam? What line is that??? Singaporeans living below poverty line???!!!!!! Hahahahahaha

The person, who says that only border line Singaporean can only retire in JB is very square person. I agree with your comments that it's not true at all. This person is very selfish and live in a world of her own , she has not seen worst places in the world. JB ,has change so so much over the years, as l have been in and out of JB since the 70's I own a property in out skit of JB for more than 10yrs and it was my retirement plan Not because l am a border line Singaporean, which l am not. Retirement in Malaysia JB is because the living environment is different, more places to travel to, find new food out let, lif

OMG I must be a borderline Singaporean, I have three properties in SG all fully paid, including a 4 storey landed house in East Coast area, a flatted factory, a HDB and I went to buy a landed property in Austin last year, I must work harder because I fall under the category of not working hard enough to retire in Singapore........

That comment is just showing elitism and so negative comment. Everyone earn different levels of income doing different form of jobs or employment, all to create a better Singapore for everyone. Not everyone can afford the rising cost of living, the pressure of food and daily necessity increasing. So if people in the lower income bracket will really find it hard to just survive in Singapore. Mr Loo, I totally agree with you on that this comment in the telegram is a serious matter to talk and finger point about. I enjoy the time with my family in Malaysia during the short holiday trips, we go in together in a 4 Gen-family group to places of interest and enjoy the food there. Retirement choice globally or locally should be kept as an option rather then just throwing this idea aside. Thank you, Mr Loo for your constant videos on life advices.

Singaporeans can expect more inflation, as nearly 80% of our food comes from Malaysia. With the Malaysian Ringgit (MYR) appreciating by about 7%, this will likely lead to further inflation here. Currently, the Ringgit is trading at RM3.25 per Singapore Dollar (SGD), according to CIMB SG exchange rates.

Whoever feels happy and safe with family is the place to live.

You said you don't live in Singapore much, so why would you be shopping in NTUC? You will also probably do most of your shopping in JB, so how would you compare prices and be shocked? Everything in Singapore is imported. I agree that durians sold in NTUC or Sheng Siong should be more expensive than JB. Less fresh too.

$3000 SGD is more than rm10k. You can live in a bungalow for the money in JB.

Many of us going to have a lot of health issues in the coming months or a year or two and living in Johore will help us to detox all the stress and live a longer and a healthier life style like Dr.mahathir.

Very confusing. People should do whatever they want to do ! Why you Kay poh !!

Nowadays JB and Bali not so cheap also, how is it tat ppl who can go there are borderline?! 😂 Where/which border does tat leave me 😅

Thumbs up for you Sir. I was back JB after 4 years, the Grab service is great, the food as Mr Loo mentioned is toxically too good. The beer is expensive, but the wine is value for money. Nothing wrong with looking out for better valuable for our hard earned SGDollar. Every country has dangers, one must be street smart even in certain places here in Singapore. Would love to be able to Airbnb a few months in different states of Malaysia/ Thailand upon reaching retirement.

For me.. its not only about the cost of living. But the pace of life.

Yes to JB

Actually it is more enjoyable staying in cave, those who claimed staying at JB as borderline never see snakes and elephants poo poo. 😮 very sad they eat chicken nuggets and artificial ingredients while those living in cave enjoying kampung chicken.

Mr Loo A good one again..............

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The hater should see how “ borderline Singaporean “ live in a Landed JB Property with affordable Multiple choices of expensive cars in their carporch instead of a Corolla if to be as an average Singaporean in Singapore all their life. 500metre away from Causeway what can you get I wonder ? Do Venture away from KSL or City square to have an Eye opener then make comment.

Let them stayed in their little red dot because there are used to overpriced lifestyle 😂

Who started this debate or quarrel ?? Let there be peace lah ! Sickening lah

People in Switzerland go to Germany and France for cheaper grocery shopping also….why’s everyone harping so much on this

do not take comments too seriously over the internet. have more self confidence

I'm living in Vietnam and retiring and I'm 39 this year... life's good... Income in sgd... living expenses in vnd.. I can support my whole family and go holidays as and when

i live with alot of such myopic singaporeans; they mainly live a sheltered life, with rich parents and irrational thoughts and assumptions. to be fair to them, they never knew nor appreciate what is poor/rich, and fruits of labor and hard work. they usually cant achieve much in life thou there is no need to care about them: they can live off their parents wealth without amounting to anything. best thing i can comment on such pple is, let them live their life, and never give more than 1cent to their thoughts, cause there is never a true reflection of what they really know.

I'm Using the 4SG/3JB strategy. i Can really feel the difference in terms of VFM. For the group who feel they have the money to spare for convenience, please help to support the SG business. For those who are wise managers of money and able to create more reserves by staying in JB, and spare to those in need, Kudos to you!

I don't think borderline Singaporean retirees can qualify for JB long term visa unless they take a risk to sell their current home in SG and buy a home in JB.

Whoever have ears, let them hear. 😊

face it, in our today singapore, there are only 2 group of singaporean, the have and have not. the have not maybe abt 65%. that is sad right. the have lives in their comfortable bubble and devoid of any issues that the have not singaporean faces. We are a divided nation already. Our govt has yet to come term with it.

In fact, many Malaysian born Singaporeans don’t want to retire in Malaysia because they want their children to have better education and better work opportunities! They are more daring than the local Singaporeans to invest because they don’t depend on government subsidies as they are not given priority by the Malaysian government because they are non Bumi!

Diff strokes for diff folks bah, but I agree with u

Calling people borderline is disappointing, its not a good sign. Thanks Mr Loo for speaking out.

Welcome to jb 😄 , it's was a good place to retire 👍

JB food also nice. Just that Singapore is better at advertising. 😂

Neither here nor there. JB is those half past six places.

seriously got money need to live in JB ?

True. If you are not in the high earning field. Very difficult to earn million++ to retire comfortable in Singapore. Frankly speaking 1 million will be the minimum retirement sum required after 30 years. Because of inflation. One should include inflation until he reach 75 years old. A 30 years old man should include 45 years of inflation. There will be more than 1 million for Enhanced Retirement Sum.

Work in Singapore Retire in Malaysia

新山是理想中的退休养老地方。

Shouldn't bother with these comments really. JB can be one of the options. Penang, Thailand Batam also possible. Mr Lo shared with u his experience, it is up to u. Don't put people down or label people rich, poor or loser etc.

be where we are that makes us happy/comfortable moving around both side are great options too. Why want to limit ourselves in a 42km by 24km island.

Jb is like Singapore 30 years ago I like things the old way Floods and the haphazard way of like make things interesting What less safe I stay in countries robbers use m16 to rob me Jb is a walk in the park Where ever you stay services need to be cheap cause then you get served like a king Not some diy thing or what water conservation power conservation Just water your garden with a fire hose and turn on your air con 24 hours so always cool no need to wait You get a driver and security guard Like like minister but without responsibility and still cheaper than a coe You got ultimate freedom do what ever you want not like Singapore keep cat also need licences That’s retirement in style only Malaysia boley Singapore ??? You need 30m

Be Humble

Retire wherever you feel happy. Sg is still the best . 5 -.10 mins. All amenities . Food n entertainment. Health care the best in the world for the price you pay I ❤ SG is the best place. Public transport 1 of the best. JB is not cheap actually ... only bcos of currency exchange. Ha ha ha .... SG ppl like to say cheap cheap cheap ... just like the kar ling chiau .... that linger at the hawker centre table n floor. 😂😂😂 SG ppl are funny. Just go JB City Square to see little SG Town .

I am a Retiree and have retired for the past 15 years,living in Johor and in Singapore. Financially, I can afford to Retire in SG,and maintain same Lifestyle, but I chose to Live in Johor. Why ? The more open spaces,Fresher Air,..and Generally, the Less Judgmental, Arrogant Materialistic Singkies..., as an example It is most un-wise, to say, which place is "Better" And Idiotic-Foolish to base judgements only on the Monetary-Costs-of-Living. Please, Re-adjust Your Perspectives of seeing Johor & Singapore as "separate", but the Fact that we are part of a Bigger South East Asian Family. Mr.Loo' ,... Please Think Deeper and Look at the Bigger Picture Thank You

Don’t be bothered about such comments. There are many naysayers and perceived atas not well to do Singaporeans who made such comments. I’ve known of many rich Singaporeans who owned 2-3 full paid up condo collecting rental income every month in SG but bought landed homes , residing in JB, KL and Penang for the lifestyle. The same people who made such comments are the same people who said Malaysia is not safe! Why bother about such comments! Don’t waste your time justifying. They just want to be screwed by the high costs. Let them be! lol

With the likelyhood that the inflation rate and Interest rate will remain relatively high. Would not be surprised should part of Forest city be converted into a nursing or retirement homes to capture the Singapore demographics.

That CURT comment sounds very familiar to me ie: A certain Politic Party back home. 😂🤣😂

Each place has its own unique characteristics and living in a location for an extended period allows one to truly understand what it's like to be a resident there. Don't take a tourist mind set and start comparing both side.

For the record, Singaporeans can choose to retire ANYWHERE. Does not make you more “Singaporean” to retire in Singapore. 😂 anyone who thinks otherwise must have some serious case of narrow-mindedness and snobbery. hint: Singapore Passport is our most powerful tool!

Mr Loo, you are humble and righteousness. It is up to Singaporean to retire in Malaysia. She shouldn't label borderline. If She is rich it is her business. In Chinese 10 years fengsui rotate. she is arrogance and look down on people. Many rich China people like Jun wei dan xin 俊玮淡新,a China citizen become a PR or Singaporean. His wife is teaching music in NUS, also bought landed house in JB went for medical check up in JB. Many people like the people and food there.

Likely only the top 20% earner can retired comfortable in SG, rest will need to rent out room or whole flat and move to JB or Batam for so call comfortable retirement.

Bikit Indah JB is a very good place to stay with gated communities and you have a direct bus to 2nd Link... Crossing causeway takes way too long.. Even with the MRT coming up, the 2nd link by bus would be very good. In SG supermarkets, many items are normally marked up 10 times or more so pay for costs and the costs of other goods failing to sell..

On cleaniness and safety, you can’t beat Singapore, even most European country are unsafe. Try walking in London , Paris or Rome. London is a stabbing capital of the world and Paris’ streets are full of trash. If you want to enjoy living in JB then do what the locals do and go where the locals go. Austin, horizon hill and ecoflora is good place to enjoy clean and safe experience. JB isn’t just taman pelangi, KSL or jalan Abdullah Tahir.

Jai Hind. The most difficult part for most JB home dreamers is to convince their family like spouses and children to go along with their big Retirement Dream. Some might even be tempted to start a new or temporary family over there as a way out of the Singaporean Retiree dilemma

About the food wise in JB, I still think that JB food is still much tastier & better than SG, because... they dun have the health authority regulating what they should eat! That's why JB food is still good! :D

Japan, don't have any inflation for the last 30 years... just look at their population growth.. as such quite easy to solve the problem lah...