How can I use the 1M65 or 4M65 strategies to retire comfortably? It sounds too good to be true now and if it's so easy to achieve, then why aren't more people using CPF to be a multi-millionaire?

1M65 or 4M65 strategies to retire comfortably is about maximizing what one has be it Property, Share, and now CPF not about CPF as the only way. You don't teach a chicken to climb a tree. There are people who trade share during the Covid19 and profit a million dollars.

If instead of your CPF, you put all your money in US index funds, your dividend is 2%, with the capital gains of 8-10% annually. Your premium is 6-8% on the CPF, with liquidity. The one thing you must watch out is not to sell during downturns.

As I have mentioned in my talk, there are three reasons why many can't do it:

No Faith in CPF System

Blind Faith in Property

Wrong Stock Investment Strategy

I have shared the strategy, I am already on the way there.... it is up to you or anyone if you want to join me in the journey. ​​​

Why aren't more people quit smoking (when the benefits are obvious)?

Why aren't more people eat less fatty, oily food?

Why aren't more people exercising more?

Its actually EASIER to get rich WITHOUT CPF. CPF pays only max of 4%.... If you invest diligently in stock market for a decade or so, you going to get way better than double, around 8% pa.

Execution is everything. Just do it.