Your retirement plan appears to be on track, with a projected accumulated wealth of SGD 1,951,752 by your retirement age of 65. This amount aligns with your target retirement sum, allowing for monthly expenses of SGD 5,000 for 21 years. However, it's important to consider the sustainability of your investment strategy and the impact of inflation on your future expenses.

• Your initial investment of SGD 30,000 is a solid starting point, and the projected growth over the years indicates a positive trajectory towards your retirement goal.
• The assumptions used in your projection, including a 4% return rate both pre- and post-retirement, are conservative. It may be beneficial to review these assumptions periodically to ensure they remain realistic given market conditions.
• With no additional investment goals or cash flows indicated, your focus on retirement planning is clear. However, consider how unexpected expenses or changes in lifestyle could impact your financial needs in retirement.
• The projection shows that your funds are expected to be nearly depleted by the end of your life expectancy, which is typical in retirement planning. This reinforces the importance of monitoring your expenses and investment performance regularly.

• Consider scheduling a meeting with your Endowus Client Advisor to discuss your investment strategy and ensure it aligns with your long-term goals.
• Review your assumptions regarding investment returns and inflation to ensure they reflect your expectations and market realities.
• Think about potential additional contributions or adjustments to your investment strategy that could enhance your retirement savings, especially as you approach your retirement age.