Those among you with your golden years looming ahead have less room to make financial mistakes.

Take our survey and share your views with us, so we can better understand your financial concerns.

These occasional surveys are part of our continuing efforts to know our readers better.

1. Which answer best describes your current situation?

A: I am confident of retiring well.

B: I have left it too late and will start now.

C: I have started but it may not be enough.

D: I cannot make ends meet.

2. If you have started growing your nest egg, what investment avenues have you chosen?

A: Supplementary Retirement Scheme

B: Unit trusts and/or stocks

C: Insurance

D: Property

E: All of the above

3. What have been your average returns from your retirement investments in the past five to 10 years?

A: More than 12 per cent a year

B: 8 to 12 per cent a year

C: 4 to 8 per cent a year

D: 1 to 4 per cent a year

E: I do not know

4. What is your top concern in retirement planning?

A: Inflation

B: Outliving my savings

C: Relying on family and friends when I retire

D: Not having enough sources of passive income

SMS your answers to 146077877 with the following message: sutinvest Answer 1 Answer 2 Answer 3 Answer 4 NRIC E-mail Name

For example, your answers could be sutinvest A B C D S1234567D abc@email.com Jane Tan

Send your answers by Oct 12 midnight.

Ten readers will be chosen and each will get a $50 grocery voucher, sponsored by DBS Bank.

The readers will be informed via e-mail.

Each SMS costs 21 cents (with GST) and will be charged to the customer's prepaid or mobile phone bill. Participants below 18 must seek parental consent. For inquiries, call 6319-8636.

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