How do you work out a realistic retirement number?

I think this is a good starting point for reference. according to researchers at NTU and LKYSPP, $1492 per month for a single elderly aged 65 and above, for basic standard of living including dignity, social participation

http://teoyouyenn.sg/wp-content/uploads/2023/11...

Bare minimum: (Annual expenses / Dividend yield) × Safety margin, 1.2× to 1.5×. To anticipate dividend cut.

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Try to hit a $1M liquid portfolio ASAP by front loading the portfolio aggressively. Some say $1M is nothing—they don't know what they are talking about 😆

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A 10% return on $1M is $100k, which is more than what the average salaried worker in Singapore makes.

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The market may go up and down, but life still goes on because you can live off your dividends.

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Then, make sure to hit the FRS by 55. You will be in a very safe position