Better to retire in JB lah.. At least you be spending in sgd there. Do a small biz and live on while having something to do.
Also, by old age, you cant be getting hdb. no bank will lend to you unless you have a private banking portfolio. The old is supposed to have paid off the hdb by then and when time to kick the bucket, the amt sold can pay for the grand funeral plus some inheritance for the kids.