Your wealth implementation plan appears to be on a solid trajectory towards meeting your retirement needs. With an initial investment of SGD 610,000 and projected accumulated wealth of SGD 1,942,109 at retirement, you are positioned to comfortably cover your anticipated expenses. The plan indicates a surplus of SGD 380,707 at retirement, which provides a buffer for unexpected costs or lifestyle changes.

• The projected pre-retirement return rate of 4% is conservative, which is prudent given market volatility. However, consider reviewing your investment strategy to ensure it aligns with your risk tolerance and long-term goals.
• Your plan does not currently include any specific investment goals or additional cash flows, which could enhance your financial flexibility. It may be beneficial to define these to better tailor your investment strategy.
• With a retirement age set at 65, you have a 30-year investment horizon, allowing for potential growth. Ensure that your asset allocation is diversified to mitigate risks and capitalize on growth opportunities.
• The monthly expenses in retirement are set at SGD 4,000, which translates to a total of approximately SGD 231,449 over 30 years. This aligns well with your projected wealth, but consider potential inflation impacts on your expenses over time.

• Review your investment strategy to ensure it aligns with your risk tolerance and long-term goals, especially considering the conservative return assumptions.
• Consider defining specific investment goals or additional cash flows that could enhance your financial plan and provide more flexibility.
• Schedule a meeting with a financial advisor to discuss your current plan, review your assumptions, and explore potential adjustments to optimize your retirement strategy.