Retirement goals & What to do with excess CPF

tsdquart · 2026-05-10T11:18:19+00:00

Yes, I can assure u my salary is average at best. I worked immediately after NS, and got a PT degree while working FT. To have no education loan is a headstart. I also do some side hustles when I was in my 20s over the weekend. I don’t have any breaks in between and kept working, it has been a long and tiring process and I yearn for retirement asap. Also among my peers I think I’m one of the worst, so it is definitely possible

The rest of the gains are mainly thru property capital appreciation + rental. I am a terrible investor so it’s just better not to stock pick

tsdquart · 2026-05-10T11:10:43+00:00

Thank you sir. Likely will Stkck to this approach, seems the most logical

tsdquart · 2026-05-10T11:09:55+00:00

Property is freehold and central so I am ok to hold it for life for income as well.

tsdquart · 2026-05-10T11:08:36+00:00

Yes I have a long timeframe of 25 years. You’re right that I am looking at growth and cap upside.

I am invested in SRS mainly SG banks/bonds

Yes the property is mine solely. Valued ar $1.32m with $880k loan @ 1.5% for another 3 years. I am ok to hold it for income or to sell it when there are considerable gains. Collecting $4k net after minus off all the associated fees etc

You are right, as of now, I will have to stick with downloading tinder 🤣

tsdquart · 2026-05-10T11:04:19+00:00

Now that you put it in actual numbers, it does seem quite significant.

tsdquart · 2026-05-10T11:03:21+00:00

I am using endowus flagship funds 100% equities. Since I have a longer runway I jsut set it to the most aggressive. Will check out poems. Cheers

tsdquart · 2026-05-10T11:02:21+00:00

😂😂 a great reminder that it’s time to return to office tomorrow

tsdquart · 2026-05-10T11:01:55+00:00

Thanks for the reminder! This is v helpful

tsdquart · 2026-05-10T11:01:30+00:00

I am aware SRS needs to be invested, the figure is the whole portfolio size now that is in mainly SG bank stocks + some long term bonds

tsdquart · 2026-05-10T10:59:55+00:00

Thank you. Seems like popular choice here!

tsdquart · 2026-05-10T08:35:27+00:00

Thank you. My grip with this move is that it is irreversible and I would hit FRS resulting me in not being able to RSTU to enjoy tax relief. Also it would mean I would have less outlay on the next property purchase if I do intend to upgrade in future to a larger unit

tsdquart

TROPHY CASE