Caleb Seah Hua Xiang

28 Jul 2020

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What's a good CAGR return for stocks investment in replacement for a self-employed who does not have CPF contribution and would like to plan for his retirement from his late twenties ?

I'm a self-employed who does not voluntary contribute to CPF scheme such that i might missed out my CPF Life next time as well. On my part, i'm investing in the US Stocks market.

But i would like to know what's a good Compounded annual growth rate (CAGR) that i should be targeting so that i can be better off the CPF life scheme or to retire by 50.

I'm currently 29 this year.

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Aaron Leow

28 Jul 2020

https://www.aaronleow.com/wealth-projection-cal...

You can use the above calculator to project your wealth and income cashflow.

S&P500 long run - 7%

Entire portfolio realistic return - Between 4-6%.

The above takes into consideration conservative funds. It exludes investments which are speculative with high return potential.

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Frankie Rappaport

27 Jul 2020

The answer is given in this text:

https://seedly.sg/questions/what-is-your-genera...

For total portfolio performance, including mistakes done, fees and secular shifts,

my feeling is that around 4-5% per year are more realistic than the SP500 very longterm CAGR of 6-7%.

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Duane Cheng

27 Jul 2020

Financial Consultant at Prudential Assurance Company Singapore

Hi Caleb,

Based on the factors you have given, age 29, looking to retire at 50 there is still one q...

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If i am able to pay off my HDB early in my 30s, what should i do with my money next? I would like to plan for my retirement, early retirement but unsure what good investments.

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