Your wealth implementation plan indicates a solid trajectory towards your retirement goal of SGD 1,951,752 by age 65. However, the projection shows that your accumulated wealth will run out just before the end of your expected lifespan, which is a common outcome in retirement planning. It's important to consider how your current contributions and investment growth align with your long-term financial needs.

• Your plan assumes a monthly expense of SGD 5,000 in retirement, which totals approximately SGD 289,312 annually. This aligns with your target retirement sum, but it's crucial to ensure that this expense level is realistic and sustainable throughout your retirement years.
• The projected pre-retirement return rate of 4% is conservative, which is generally prudent. However, consider reviewing your investment strategy to ensure it aligns with your risk tolerance and long-term growth objectives, especially given the long investment horizon until retirement.
• With no initial investments or external investments currently indicated, your plan relies heavily on future contributions. It may be beneficial to explore options for building an initial investment base, which could enhance your growth potential over time.
• The inflation rate of 2.08% is factored into your projections, but it's wise to regularly reassess this assumption as economic conditions change, as inflation can significantly impact your purchasing power in retirement.

• Review your monthly expenses in retirement to ensure they accurately reflect your lifestyle and any potential changes in spending patterns as you age.
• Consider scheduling a meeting with your Endowus Client Advisor to discuss your investment strategy and explore options for initial investments that could enhance your wealth accumulation.
• Regularly monitor and adjust your assumptions regarding inflation and investment returns to ensure your plan remains aligned with your financial goals and market conditions.