3 ways life changes when you live to 100

3 ways life changes when you live to 100

More Singaporeans than ever can expect to live to the age of 100. That exciting news comes with big changes in the way you plan your life, from fronting a rock band well past middle age, to smart financial planning.


Remember when you were young, and anyone over the age of 45 seemed old to you? Now that we live to 100, the way we think of our lifespans needs to be fundamentally rethought — even running a marathon in your 70s is no longer uncommon.


What’s more…


1. Old Age Starts Later Than Ever

That shift of realising that old age is all in the head — and that our youthful years last longer — gives you the opportunity to achieve your dreams, no matter your age. Never had time to start a rock band when you were a hardworking student? You can pick it up again even when you’re a gray-haired gong gong, because you’ve got all the time you need to master every skill you want.


“We are always seeing ageing as a problem. We should see ageing as potential — the possibilities, wisdom, emotional stability, passion and authenticity,” says Laurence Lien, chairman of the Lien Foundation, a philanthropy group dedicated to eldercare provision. “But also possibilities in terms of what older people can do for themselves as co-creators, consumers, and so on1.”


2. Creating a Life Plan is Even More Vital

A longer lifespan needs a well-thought-out life plan. Don’t know where to start? Use our handy Dream Calculator. We all have big dreams, but it can be tough to get a handle around what we need to do to achieve them. Tools like this give you the tangible numbers behind your goals.


This tool should help you understand how much you need to save for that ideal retirement, home or Ivy League education for your child. From there, you can better plan what type of investments best suit your needs, what savings methods to prioritise, and what level of financial consultation you might require.


At the same time, you can back your plans up with long-term financial security, for example with insurance plans that grow with your changing needs.


3. There is More Pressure to Stay Healthy

An example of an ideal long life is one where you maintain your health, even as you tuck into a slice of cake on your 100th birthday. The good news is that most Singaporeans already know it’s important to keep strong and well. In fact, 66% of respondents said they try to eat healthy, while nearly half say they maintain healthy physical activity1.


In reality, there is a significant gap between intent and actual lifestyles. Only two in 10 of the same respondents said they regularly exercise 150 minutes a week, the amount recommended by Singapore’s Health Promotion Board.


To enjoy your old age, the earlier you resolve to make your golden years truly healthy, the better. Why not start an informal group (“The Future 100-year-olds”) dedicated to eating well and reaching 10,000 steps a day? By sharing a goal with loved ones, you can help nudge each other towards regular healthy habits. And if you can rely on a strong medical insurance plan for peace of mind, so much the better.


Keen to learn more about the possibilities and potential of living to 100? You can read our full report here.


1Ready for 100 Whitepaper, 2018, a study conducted by EIU commissioned by Prudential Singapore.


The information in this article does not necessarily reflect the views of Prudential Assurance Company Singapore Pte. Ltd. Certain information in this article may be taken from external sources, which we consider reliable. We do not represent that this information is accurate or complete and should not be relied upon as such.


This article is for your information only and does not consider your specific investment objectives, financial situation or needs. We recommend that you seek advice from a Prudential Singapore Financial Consultant before making a commitment to purchase a policy.


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