Is 2 million enough to retire at 45 in Singapore?

I am retired since april 2021 at age 48 with my investment portfolio payout on average 75% pa with monthly positive passive cash flow. this is very important to cover at least 2x to 4x your expenses. had about 200k in the investment and this may will be my 2nd years on this income. hope this help you to plan and understand better.

​

250k x 4% = $10K p.a., is that enough for expenses today? You will need to consider too inflation, what $10K can buy today will require $20K in 15-20 years. https://plannerbee.co/calculator-retirement/ you can plug the numbers in to try.

If 2milion is stocks, with dividend of 4-5%, (80-100k annually) shall be enough for a comfortable lifestyle.

Assuming you are employed with CPF contribution, you could also include that as part of assets and future cash flow/ annuity (CPF life) to support your life style. your other life/ investment linked insurance could also be included as assets..