Your wealth implementation plan appears to be on a positive trajectory, with a projected accumulated wealth of approximately SGD 1,561,402 by your retirement age of 65. This aligns closely with your target retirement sum, indicating that your current strategy is realistic. However, it's important to consider the adequacy of your monthly contributions and the impact of inflation on your future expenses.

• Your plan includes both short-term and mid-term goals, which is a great way to ensure that you are addressing immediate needs while also planning for future expenses like university costs. Make sure to regularly review these goals to ensure they remain aligned with your financial situation.
• The projected return rates of 4% pre- and post-retirement are conservative, which is prudent given market volatility. However, consider whether this aligns with your risk tolerance and investment strategy, especially as you approach retirement.
• With a retirement age of 65 and a life expectancy of 85, you have a 20-year horizon for your retirement funds. This is a significant period, and it’s essential to ensure that your investments are positioned to sustain your monthly expenses of SGD 4,000 throughout retirement.

• Review your monthly contributions of approximately SGD 2,446 to ensure they are feasible and consider how you might increase them if necessary to meet your goals.
• Consider the impact of inflation on your retirement expenses and adjust your investment strategy accordingly to ensure your purchasing power is maintained over time.
• Schedule a meeting with your Endowus Client Advisor to discuss your current investment strategy and explore options to optimize your portfolio for both your short-term and long-term goals.