As I just hit 55, CPF FRS is Max. Currently in the process to increasing beyond from idle cash in small step. The amount into ERS is dependent on idle fund availability that I can safely inject as it will be locked for 10 years. Another alternative which I may use is VC3AC. The idea is to ensure some minimum base of monthly income at 65. So alternative is not in the card.
The big gap in the chart that i deliberately left out is the free cash portion. This doesn't mean I don't care. Getting triple or double returns in equity investment is meaningless if the equity allocation is small relative to your Net Worth. So we need to see things in perspective when someone reported 500% stocks gains when the cost amount is like one month of his salary as an extreme example. What make it even worst is over a decade and not a year. Therefore, Net Worth Tracking will give us a better picture in overall.
So 2 things to remember. Scale and Time.
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