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Budget 2024 CPF changes: How much do you need to commit to your CPF Retirement Account?

Budget 2024 announced significant changes for the CPF program to streamline the program and remove loopholes within the system. The CPF Special Account (CPF-SA) is a liquid store of value that provides a riskless 4.08% return with the latest changes, it will close for all members above the age of 55. CPF members would now … Read more

A tale of two investing styles: ERM and AWP portfolio results for 2023

Happy New Year! I am pleased to present the results of two portfolios! Here’s how they performed in 2023. 1) Early Retirement Masterclass For intermediate investors, the ERM portfolio is a low-beta, high-dividend portfolio with significantly less risk than the markets. It is a composite portfolio comprising 32 batches worth of students over the past … Read more