Are retirement expectations too high? Retirement is a pretty touchy topic for most people and here in sunny Singapore, it is no exception. While most of us will like to retire in comfort, without having to worry about $$$, how realistic is this dream going to be in a nation where the daily living expenses … Read more
In this article, I will bring you through a step-by-step guide in setting up your early retirement plan. Planning your retirement should not be done when you are in your 40s or 50s. The earlier you start, preferably in your 20s, the easier your retirement journey is going to be. Millennials have been between a … Read more
The NAOF-DIY portfolio I have written on numerous occasions that the New Academy of Finance (NAOF) retirement portfolio structure, one that works on the premise of the 4% withdrawal rule, is a better alternative vs. the traditional 60:40 equity bond structure. Not only is the NAOF structure “proven” to have a much higher safe withdrawal … Read more
Sequence of Returns Risk could be your major party pooper Imagine a hard-working individual name John who started saving and investing early and amassed a nest egg of $1m in his stock portfolio at the age of 65. He proudly produces his bank book, showcasing the magic retirement “figure” clearly imprinted on it to his … Read more
