Networth
Net worth across CPF, SRS, and investments — age 25 to 83.
You can retire at age 55
Summary
Net worth today
$28,390
at age 25
Peak net worth
$3,425,851
at age 83
Net Worth Breakdown
Age 25–83CPF (OA excluded after age 55), SRS pot (drawn down over 10 yrs from age 63), investments, and combined total.
Retire / OA→Brok (55)SRS starts (63)CPF LIFE (65)
Investment Account
OA balance injected at age 55.
Brokerage seed
$5,000
Peak brokerage balance
$2,017,820
at age 55
⚠Combined investments earning 7.0% p.a. (pre-retirement) / 2.5% p.a. (post-retirement).
Retire / OA TransferSRS starts
SRS Account
Contributions optimised to reduce tax brackets each year. Pot grows at 7.0% (pre-retirement) / 2.5% (post-retirement). Drawdown over 10 years from age 63.
SRS pot at age 63
$113,304
Yearly withdrawal
$11,330
× 10 years
Tax per year
$0
50% of withdrawal taxable
Yearly withdrawal after tax
$11,330
total $113,304
Stop work (55)Withdrawals start (63)
Cash Reserve
Emergency fund targeting 5 months of expenses. 0% interest.
Cash today
$10,000
zero-interest reserve
Cash at retirement (55)
$26,638
5 months target
Retire (55)