For retirement, perhaps you will want to position yourself such that money comes in for you every few years. This will supplement your CPF Life (if any) and property rental income (if any). At the same time, it protects you from yourself. To help reduce the chance of spending past your limits.
Another option available is terminating a whole life plan with cash value. There are more solutions to retirement, but it is not fair to provide input without knowing more about your current situation.