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My ex boss worked until 63,then retire. He had a few properties fully paid up and about 1.5m in EPF. Cancer striked after about 3 years later. Next few years was chemo and visiting hospitals. Before retirement, he told me his wish was to travel the world as much as he could. Would you think 4 trips a year somewhere for 3 years is enough? I don't think so! Don't wait until our bodies cannot take it anymore. If financially able, take things slower and enjoy your hobbies whilst you still can. From Malaysia.

@joshconsultancy

21 күн бұрын

Thank you for sharing your story

@mjmf1430

20 күн бұрын

Well said!.❤

57 now. Retired since 54. Time for some caregiving to my aged parents…

@eugeneteo9664

21 күн бұрын

god bless you & love ones.

i agree. thank you for sharing on healthy life expectancy

i retired at 54, then 4 years later a job found me - so i "downgrade" my job as in i chose not to be in management, just second in command. I get to stay free, eat free except dinners, free transport to work etc (i am posted overseas), every weekend i go to nice places to fulfil my bucket list. another 1.5 years to go and I will retire again, unless another job finds me and be based at another exciting location with the perks.

@joshconsultancy

21 күн бұрын

Nice! That sounds like a role to take =)

@marinekong235

21 күн бұрын

@@joshconsultancy Yes!!! total bliss.

Good piece of advice. I am aware and been reading up this topic of Healthy lifespan sometime back. I have always contemplated retiring at 57 or 58 way back when I was in my late 40s. However due to the push factors of conforming to social norm and the lingering fear of wanting a even bigger financial safety net, I soldiered on in my job with aim to retire at 63. However , due to some workplace changes beyond my control, has prompted me to finally decided to make the leap. Will be calling it a day soon, later this year at close to 57. Guess with a prudent lifestyle and the fact that I no longer have financial obligation such as housing loan etc. Now it is time to plan for more self rewarding and fulfilling life while I am still fit and healthy.

@joshconsultancy

21 күн бұрын

Thank you. All the best for your coming retirement!

My dad retired at 70. However, when we go for holidays, he could hardly walk much. Though he is healthy, he exercises regularly and is a vegan. He feels tired and we spend a good two hours sitting at cafes in between visiting places of interests. I feel sad but what happened to him has taught me to also learn to enjoy the fruits of my labour and not to wait till too late.

@joshconsultancy

21 күн бұрын

Thank you for sharing your story. Validates the concept in this video sharing

Great advice. For most people, having worked hard all those years, you owe it to yourself to at least enjoy a few of them towards the end. Can't bring the money to the grave.

@joshconsultancy

21 күн бұрын

Thank you. Share the presentation with someone who should hear k

Josh, good sharing. I am now 58. Still fit but can feel the different starting from age 55. Stamina getting quite challenging. I am now still in full time job but on semi retirement mode. I have reached the pinnacle of my career and no need to strive any more. Still enjoying current work environment. Started transiting to full retirement by picking up new hobbies and activities. Target retirement age at 65.

@joshconsultancy

21 күн бұрын

Take care take care. Thank you for sharing you perspective too

Uncle Josh, good news, I officially retired on 1st July. The good stock market returns in the last 4 years has allowed me to goyang kaki liaw, before my 50th birthday :) One thing to keep in mind, cancer will hit 1 in 3 people and more younger folks are going down with it. Not a crime to retire earlier, as long as investment returns can cover our living expenses. Good luck.

@joshconsultancy

21 күн бұрын

You sound older than me haha =P but congrats!!!

Good advise. 😊😊😊.

@joshconsultancy

21 күн бұрын

Thank you for the high praise! Share with someone k 😊

Good stuff josh!! One may have money from 65 but no health to enjoy whats the point?

@joshconsultancy

21 күн бұрын

yes!!!

I retire at age 61yrs ,work 40 yrs fulltime after NS ,at age 55 i pledge full retire sum to Cpf life ,no house mortage ,i dont invest my cpf but earn cpf compound interest play safe & sleep well no risk 🤣🤑👍

Goood reality check on healthy retirement for everyone

@joshconsultancy

21 күн бұрын

Thanks! Share with someone who should hear too k

Hi Josh, Thank you for your good video. Very useful. Can you share how you came to the $1.21mil saving needed at age 58 ?

@joshconsultancy

21 күн бұрын

Thank you for the high praise =) Inputting 4000/m in todays value inflating at 3%pa. Portfolio to decumulate from 58-85 and continues to grow at 5%pa. Hope it clarifies. Ive a retirement calculator video, seen it?

Thanks Josh, always like listening to u coz ur pretty balance guy, not too extreme, personally i feel after C19, ppl dun seem to be living too long, so imo better do it sooner so long u have gathered enuf hays to last those remaining years, no poin working for $$ u wont get to spent n dragging ur feet to work daily BUT to those who think their work is their dream job, well carry on, to each their own!😊

@joshconsultancy

21 күн бұрын

Thank you. Yes to each their own. I just present findings to bring more awareness

Thanks for confirming my decision of retiring at age 58 in Jun 2024. 👍😁

@joshconsultancy

21 күн бұрын

Wa, exactly 58? 👍👍

Hi Josh, the salmon you mentioned is wild or farm? If it is wild, where to buy and how you ensure the supplier did not cheat you.

@joshconsultancy

20 күн бұрын

Just NTUC fresh salmon

Good content. I aim to retire a 53. Aim

@joshconsultancy

21 күн бұрын

Work towards it. Stay health, keep the loans small, invest more today!

May i ask,.. whats the investment you mention here? Because i think we all need to know what to invest in rather than just figures telling us we need to invest.

@joshconsultancy

21 күн бұрын

Diversified equity. Cannot be in safe instruments to deliver the 5% compounded annual returns at least. Hope it answers

Heck early retirement. I have a 10k permanent fun fund that always gets replenished so I can live life as and when i want and not think about min maxing every dollar for investment lol

Better to aim for 55 yrs , missed still can make it at 58 yrs.

Some error on the numbers. Retirement at 58.. but cpf payout starts at 65.. what will the numbers be if need to finance the period from 58-65 before cpf payout begins?

@joshconsultancy

19 күн бұрын

Yes. Would need $2,000 x 12mth x 7y more

Different people have their specific needs. Sometimes its not only personal health. It could be caring for parents and such. How i wish it was so straight forward..... retiring earlier and still in good health doesnt necessarily more time to enjoy 😢

@joshconsultancy

18 күн бұрын

Take care take care

I observe that women, in general, tend to eat less than man. I also observe that woman tends to encourage, even pressure man to eat more especially when food is abundance. I also got a tip from my grandfather, who lived upto age of 95, that people whose food intake are excessive tend to have a shorter life. I have no scientific proof for this, but I suspect that there is wisdom in what my grandfather said. May be that explain partially as to why man lives a much shorter life than woman.

@joshconsultancy

21 күн бұрын

Thats sexist lol... 😅

I am 41yo now. Looking to retire at the age of 50, when my daughter turns 18. Life is too short to keep chasing for money.

@joshconsultancy

21 күн бұрын

Agree!

The final retirement could be determined by your old and sick single parent who have dementia if you’re the caregiver. Many single parent doesn’t like to stay in nursing or old folks home and somehow many lost contact with their children due to various reasons. Singapore is fast catching up with Japan on lonely death.

@joshconsultancy

18 күн бұрын

Not all will take the caregiver role?

I retired at 57 and that's 7 years ago. This year 2024 I've visited 3 places and having another in September. There's no retirement age. Different people has different retirement age. 😅

@joshconsultancy

21 күн бұрын

😅😅 congrats btw

Ask your financial advisor what % of their client pool retire early & at what specific age. They should have those statistics. Very very low % ...

@joshconsultancy

21 күн бұрын

Im qualified to answer it. The % will be based on what pool of people is in the survey. For a young advisor with clients all around their age, there wouldnt be even any data of clients retiring.

Majority of our health will start to decline after age 50. The best age to retire is 50 years old and not anything later. You might not be able to enjoy your life properly if you retire too late. Unless working till death is your passion, best to do what you love with the remaining years of your life.

@joshconsultancy

21 күн бұрын

Start to decline ya, maybe even 40s but there is a balance to retiring early vs financial obligations (like raising a family).

My aim is 53 or 55. Healthy lifespan is a very important factor to consider. The extension of retirement age and re employment age is not desirable for me.

@joshconsultancy

17 күн бұрын

All the best in your journey

Honestly, how many 70-ish retires can still climb stairs and walk long distances w/o getting out-of-breath? I would say conservatively 65yo for you to be healthy and still strong enough to enjoy life provided you exercise regularly and do not have major health issues. Just retire when your finances allow you to and always have good insurance coverage; enjoy the next 15 - 25 years doing something you truly enjoy. It can be leisurely working, help the community, achieve personal goals. Don't put your live on auto-pilot to join the rat race if you don't have to; also, create more employment oppty for the Gen Z, Z1, Z2, Z3... who may be your own kids, ha.

want live live a bit longer, change your '''engine oil '' regularly.

@joshconsultancy

20 күн бұрын

By doing blood donation! 😄

my colleague retires at 58yo with comfortable retirement savings. Her plan is to travel once every quarter to enjoy life. Less than 2 years later, she told me every trip tires her and she needs more time to rest and recharge her energy. Age is catching up and no matter how much money one has, energy will still decline.

@joshconsultancy

15 күн бұрын

Wow, point of view noted

i was planning to retire at 55 😆

@joshconsultancy

21 күн бұрын

Can la can la 😆

I have six more years!😅

@joshconsultancy

21 күн бұрын

Oh track or not on track?

I feel anything beyond 50 is too late already. Cannot enjoy life much... Even now in my 40s, I can feel the age taking its toll on my body...

@leafyoung

21 күн бұрын

The imaginary retiring life is a moving target. It used to mean stay high over night and will mean greeting a good morning to the rising sun. Less rosy but a healthier lifestyle. So I would prefer to retire late.

@joshconsultancy

21 күн бұрын

50 not many can achieve. With children, they are still likely in dependency years

@zhouly

21 күн бұрын

Retired in early 2020 at 53. No regrets. How I rationalise the decision is that the years of life remaining become increasingly valuable as one ages (there’s less years remaining). So at some point, it’s no longer worthwhile to trade one’s life for a salary 😅. For me, that point came after I hit 52.

@joshconsultancy

21 күн бұрын

@@zhouly can hear abit more on your story, what do you work as previously. How well do you rate your savings and investment journey. Do you have dependents

@zhouly

21 күн бұрын

@@joshconsultancy Worked in Government admin, then IT management, with past 20 years in a senior role before calling it quits. On average, able to save about 50% of income, mostly invested in our home, equities, corporate bonds and in the last few years, some mutual funds. Home is fully paid by age 40. In early years, had good capital growth through upgrading our home every 5 years or so during market downturns. Returns from stocks and bonds are more muted, about 5-6% per annum on average, though there are a few counters invested (like DBS and OCBC) that has seen spectacular growth in the past 5 years… Married young, so no more dependents when wife & I retired.

45 going 46 this year. Have 4 kids youngest being 1.5 yrs old. What age do you think I can retire .. hmmm. If one wants to retire early, then don’t have kids, better still don’t get married. No financial responsibilities. Any way I made the choice and no regrets. I’ll probably retire at a later age but I think I’ll be fine :)

@joshconsultancy

14 күн бұрын

No regrets agree. You have many wins in your life, congrats!

Jai Hind. I retired at age 50 to be my ownself. However family and friends had ridiculed as Waiting to die.

@joshconsultancy

21 күн бұрын

Congrats! Just keep yourself active and healthy =)

Max 45

@joshconsultancy

19 күн бұрын

All the best in your journey

58 is exactly the age i plan to retire! 😊

@joshconsultancy

21 күн бұрын

You'll be our ROLE MODEL !!! =)

56 now and jobless, looking for a job to pay for expenses.

@joshconsultancy

21 күн бұрын

All the best k

@edwardlumsianming3430

21 күн бұрын

For those families with COMIMITMENT WHETHER TO THE HOUSE OR CHILDREN EDUCATION hard for them to retire at 58

@edwardlumsianming3430

21 күн бұрын

Besides, 2026 retirement age is 64, so the STATE JUST WANT THE AGING POPULATION TO work somemore.

I planned to retire at this age since I started working almost 20+ years ago. Your baseline liquid investable amount required for retirement is close to the 1.5M I estimated 20+ years ago. 😂😂

@joshconsultancy

20 күн бұрын

👍

Hell... i would love to retire yesterday haha

Ha ha! Exhuberence in the roaring 2020s. Boomers have everything lah! .... Black swan warning. What if something bad happens and an elderly lost his wealth. Uncle josh, please any thoughts on that? Plus the inflation will continue, do we have enough, if we don't? Japan oredy got single elderly who are not well off. Retire at 58 and absolutely do nothing for financial planning. It is disaster!

At 43, I target to retire at 50, Lehman crashed at 49. I stayed on for 5 yr to repair damage and another 5 to ensure that no "Lehman" will ever affect my portfolio

@joshconsultancy

21 күн бұрын

All the best in your journey

@money3ss

20 күн бұрын

@@joshconsultancy retire evenly at 60.. think shd have done it 55-60. However, it hard to set a date, everyone's preparedness is not the same

fella have scam telegram groups

@joshconsultancy

17 күн бұрын

Becareful of imposters who use my image and reputation especially on telegram and instagram 🙏 Red flags include peddling of fast cash profits or hot crypto opportunities

Why retire? So lame. I am keeping working forever