EPW Internal Advisory Tool

Client Plan: jen.lua@endowus.com

Last updated on: 02/12/2025, 5:01:41 pm

Plan Overview

Your current wealth implementation plan appears to be on track, with a projected retirement wealth of SGD 2,381,299, which exceeds your estimated retirement needs of SGD 2,177,378. This suggests that you are well-positioned to meet your monthly expenses of SGD 5,000 in retirement, with a surplus of approximately SGD 203,921 at retirement. However, it's important to consider the sustainability of your cash flows and investment growth assumptions over the long term.

Key Observations & Considerations

Your plan relies heavily on a significant initial investment of SGD 1,000,000, which is expected to grow substantially over the years. Ensure that your investment strategy is aligned with your risk tolerance and long-term goals.
The projected pre-retirement return rate of 7% is optimistic; consider reviewing historical performance and market conditions to ensure this assumption is realistic.
With no additional monthly contributions planned, it's crucial to monitor your cash flows and ensure that your salary inflows are sufficient to cover any unexpected expenses or changes in your financial situation.
Your retirement age of 45 gives you a relatively short accumulation period. Ensure that your investment strategy is aggressive enough to meet your retirement goals within this timeframe.

Suggested Next Steps

Review your investment strategy to ensure it aligns with your risk tolerance and long-term goals, especially given the reliance on a significant initial investment.
Consider scheduling a meeting with your Endowus Client Advisor to discuss your assumptions, particularly the projected return rates and how they may impact your plan.
Keep track of your cash flows and consider setting aside an emergency fund to cover any unexpected expenses that may arise before retirement.

External Investments

Account/Investment Name	Type	Platform/Institution	Current Value
investment	Equities	FSM	SGD 1,000,000

Future Cash Inflows

Inflow Name	Year	Amount
Salary M1	2026	SGD 2,000
Salary M2	2026	SGD 2,000
Salary M3	2026	SGD 2,000
Salary M4	2026	SGD 2,000
Salary M5	2026	SGD 2,000
Salary M6	2026	SGD 2,000
Salary M7	2026	SGD 2,000
Salary M8	2026	SGD 2,000
Salary M9	2026	SGD 2,000
Salary M10	2026	SGD 2,000
Salary M11	2026	SGD 2,000
Salary M12	2026	SGD 2,000
Salary M13	2027	SGD 2,000
Salary M14	2027	SGD 2,000
Salary M15	2027	SGD 2,000
Salary M16	2027	SGD 2,000
Salary M17	2027	SGD 2,000
Salary M18	2027	SGD 2,000
Salary M19	2027	SGD 2,000
Salary M20	2027	SGD 2,000
Salary M21	2027	SGD 2,000
Salary M22	2027	SGD 2,000
Salary M23	2027	SGD 2,000
Salary M24	2027	SGD 2,000
Salary M25	2028	SGD 2,000
Salary M26	2028	SGD 2,000
Salary M27	2028	SGD 2,000
Salary M28	2028	SGD 2,000
Salary M29	2028	SGD 2,000
Salary M30	2028	SGD 2,000
Salary M31	2028	SGD 2,000
Salary M32	2028	SGD 2,000
Salary M33	2028	SGD 2,000
Salary M34	2028	SGD 2,000
Salary M35	2028	SGD 2,000
Salary M36	2028	SGD 2,000
Salary M37	2029	SGD 2,000
Salary M38	2029	SGD 2,000
Salary M39	2029	SGD 2,000
Salary M40	2029	SGD 2,000
Salary M41	2029	SGD 2,000
Salary M42	2029	SGD 2,000
Salary M43	2029	SGD 2,000
Salary M44	2029	SGD 2,000
Salary M45	2029	SGD 2,000
Salary M46	2029	SGD 2,000
Salary M47	2029	SGD 2,000
Salary M48	2029	SGD 2,000
Salary M49	2030	SGD 2,000
Salary M50	2030	SGD 2,000
Salary M51	2030	SGD 2,000
Salary M52	2030	SGD 2,000
Salary M53	2030	SGD 2,000
Salary M54	2030	SGD 2,000
Salary M55	2030	SGD 2,000
Salary M56	2030	SGD 2,000
Salary M57	2030	SGD 2,000
Salary M58	2030	SGD 2,000
Salary M59	2030	SGD 2,000
Salary M60	2030	SGD 2,000
Salary M61	2031	SGD 2,000
Salary M62	2031	SGD 2,000
Salary M63	2031	SGD 2,000
Salary M64	2031	SGD 2,000
Salary M65	2031	SGD 2,000
Salary M66	2031	SGD 2,000
Salary M67	2031	SGD 2,000
Salary M68	2031	SGD 2,000
Salary M69	2031	SGD 2,000
Salary M70	2031	SGD 2,000
Salary M71	2031	SGD 2,000
Salary M72	2031	SGD 2,000
Salary M73	2032	SGD 2,000
Salary M74	2032	SGD 2,000
Salary M75	2032	SGD 2,000
Salary M76	2032	SGD 2,000
Salary M77	2032	SGD 2,000
Salary M78	2032	SGD 2,000
Salary M79	2032	SGD 2,000
Salary M80	2032	SGD 2,000
Salary M81	2032	SGD 2,000
Salary M82	2032	SGD 2,000
Salary M83	2032	SGD 2,000
Salary M84	2032	SGD 2,000
Salary M85	2033	SGD 2,000
Salary M86	2033	SGD 2,000
Salary M87	2033	SGD 2,000
Salary M88	2033	SGD 2,000
Salary M89	2033	SGD 2,000
Salary M90	2033	SGD 2,000
Salary M91	2033	SGD 2,000
Salary M92	2033	SGD 2,000
Salary M93	2033	SGD 2,000
Salary M94	2033	SGD 2,000
Salary M95	2033	SGD 2,000
Salary M96	2033	SGD 2,000
Salary M97	2034	SGD 2,000
Salary M98	2034	SGD 2,000
Salary M99	2034	SGD 2,000
Salary M100	2034	SGD 2,000
Salary M101	2034	SGD 2,000
Salary M102	2034	SGD 2,000
Salary M103	2034	SGD 2,000
Salary M104	2034	SGD 2,000
Salary M105	2034	SGD 2,000
Salary M106	2034	SGD 2,000
Salary M107	2034	SGD 2,000
Salary M108	2034	SGD 2,000
Salary M109	2035	SGD 2,000
Salary M110	2035	SGD 2,000
Salary M111	2035	SGD 2,000
Salary M112	2035	SGD 2,000
Salary M113	2035	SGD 2,000
Salary M114	2035	SGD 2,000
Salary M115	2035	SGD 2,000
Salary M116	2035	SGD 2,000
Salary M117	2035	SGD 2,000
Salary M118	2035	SGD 2,000
Salary M119	2035	SGD 2,000
Salary M120	2035	SGD 2,000

Wealth Projection

Your financial future visualized. Updates as you provide information.

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Wealth Allocation

How your total wealth goals are allocated. You can filter by goal type.

Define your first investment goal to see how your wealth could be allocated.

AI Generated Plan Summary

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Your wealth allocation will appear here.

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