Your wealth implementation plan indicates a strong trajectory towards your retirement goal of SGD 1,878,889 by age 50, with a projected accumulated wealth of approximately SGD 1,878,889 at that time. However, the plan shows that your accumulated wealth will run out shortly after retirement, which is a critical point to consider as you plan for your financial future.

• Your plan assumes a monthly expense of SGD 4,000 in retirement, which totals approximately SGD 4.5 million over 36 years. This is a significant amount, and it's essential to ensure that your investment strategy can support this level of withdrawal.
• The projected pre-retirement return rate of 4% is conservative, which is prudent given market volatility. However, you may want to explore ways to enhance your investment returns while managing risk, especially as you approach retirement.
• With no current initial investments or external investments, your plan relies entirely on future contributions. Consider how you might build an initial investment base to support your retirement goals more effectively.
• The timeline until your retirement at age 50 provides a relatively short investment horizon. It may be beneficial to assess your risk tolerance and investment strategy to maximize growth during this period.

• Review your current financial situation and consider establishing an initial investment to bolster your retirement savings.
• Evaluate your monthly contributions of approximately SGD 5,954 to ensure they align with your long-term goals and consider increasing them if feasible.
• Schedule a meeting with your Endowus Client Advisor to discuss your investment strategy, explore potential adjustments, and ensure your plan remains on track as you approach retirement.