Your wealth implementation plan appears to be on track for your retirement goals, with a solid initial investment of SGD 100,000 and a clear target for your children's inheritance. However, the projected retirement sum of SGD 1,951,752 will require careful management of your monthly expenses and investment growth to ensure sustainability throughout retirement.

• Your plan anticipates a retirement age of 65, which gives you a 30-year investment horizon. This is a favorable timeframe for growth, especially with a pre-retirement return assumption of 4%.
• The monthly expenses in retirement are set at SGD 5,000, which translates to a total of approximately SGD 1,951,752 needed by retirement. This aligns well with your projected accumulated wealth, but it's essential to monitor your investment performance closely.
• Your goal of providing an inheritance of SGD 10,000 by 2030 is a mid-term goal that should be factored into your overall financial strategy. Ensure that your investments are aligned to meet this target while also supporting your long-term retirement needs.
• The inflation rate assumption of 2.08% is reasonable, but it's important to regularly review this as it can significantly impact your purchasing power and retirement expenses over time.

• Consider scheduling a meeting with your Endowus Client Advisor to discuss your investment strategy and ensure it aligns with your retirement goals and risk tolerance.
• Review your current investment allocations to ensure they are diversified and positioned for growth, particularly as you approach your retirement age.
• Keep track of your expenses and adjust your financial plan as necessary to accommodate any changes in your lifestyle or unexpected costs, especially as you near retirement.