Overview

Net worth across CPF, SRS, and investments — age 25 to 83.

You can retire at age 55

Net worth today
$28,390
at age 25
Peak net worth
$3,357,495
at age 83

Net Worth Breakdown

Age 25–83

CPF (OA excluded after age 55), SRS pot (drawn down over 10 yrs from age 63), investments, and combined total.

Investment Account

Annual brokerage surplus during working years. OA balance injected at age 55. Growth: 7.0% until retirement, 2.5% after.

Brokerage seed
$5,000
Peak brokerage balance
$2,017,820
at age 55
⚠Assumption: combined investments earning a flat 7.0% p.a. (pre-retirement) / 2.5% p.a. (post-retirement) — infinitely liquid, no spreads or cash-drag modelled.

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

Cash Reserve

Emergency fund targeting 5 months of expenses. Zero interest — held flat after retirement.

Cash today
$10,000
zero-interest reserve
Cash at retirement (55)
$26,638
5 months target