Your wealth implementation plan indicates a strong trajectory towards your retirement goal of SGD 5,075,824 by age 55, with a monthly expense target of SGD 10,000 in retirement. However, the projection shows that your accumulated wealth will nearly deplete by the end of your expected lifespan, which is a common outcome in retirement planning. It's essential to consider your current investment strategy and any potential cash flows to ensure you can meet your retirement needs.

• Your plan assumes a consistent monthly contribution of approximately SGD 8,724, which is crucial for reaching your retirement target. Ensure that this amount is feasible within your current financial situation.
• The projected return rates of 4% pre- and post-retirement are conservative, which is prudent given market volatility. However, consider reviewing your investment strategy to ensure it aligns with these assumptions and your risk tolerance.
• With a retirement age of 55, you have a relatively short investment horizon of 28 years. This necessitates a disciplined approach to saving and investing to accumulate the required wealth.
• The absence of any external investments or cash flows in your plan may limit your financial flexibility. Consider exploring additional income sources or investment opportunities to enhance your overall wealth.

• Review your current financial situation to confirm that the monthly contribution of SGD 8,724 is sustainable and consider adjusting your budget if necessary.
• Schedule a meeting with your Endowus Client Advisor to discuss your investment strategy and explore options that may help you achieve your retirement goals more effectively.
• Consider setting up an emergency fund or additional savings to cover unexpected expenses, ensuring that your retirement contributions remain uninterrupted.