RETIREMENT
REALITY CHECK™
Your Retirement Analysis is Ready
🔒 Contains confidential financial projections
DEVELOPED BY JOE TAN
2026.03.27.5
EE LING · AGE 48
Will Ee Ling run out of money
if she retires at 58?
RETIREMENT
REALITY CHECK™
$150KBank Savings
58Target Retire Age
$10,000Monthly Target
$2,000CPF LIFE/mo (age 65)
—CPF OA
Client Profile
Scenario 1
Scenario 2
Scenario 3
Comparison
What Changes?
▶
⚙
RETIREMENT OBJECTIVE
— wants to retire at —, with
—/mo for life.
Configure client details in the Settings tab to populate this report.
RETIRE AT
—
—
Financial Snapshot
Liquid Assets
Bank Savings—
Emergency Reserve—
Available to Deploy—
Additional Assets
Add lump sums in the What Changes tab to see them here.
Current Cashflow
Take-home Income—
Total Expenses—
Monthly Surplus—
Scenario 1 — Savings Drawdown

Draw from savings to fund the gap between income and monthly need.

Status Quo
Key assumptions: Savings earn 1% p.a. interest on declining balance. Monthly need inflated at 3% p.a. Annual draw = (monthly need − income sources) × 12. CPF LIFE added from the configured start age.
Emergency Reserve
—
Set aside — not drawn down
Covers
—
months of monthly expenses
Bank Savings
↗ INFLATION
—
total liquid savings
Scenario 2 — Dividend Portfolio

Invest available savings into a dividend portfolio at 5% yield + 2% capital growth. Emergency reserve kept liquid. Add lump sums via What Changes.

Recommended
Portfolio setup: — invested from Day 1 at 5% dividend yield = —/mo initial income. Capital appreciation: 2% p.a. Surplus income reinvested. Shortfall drawn from — buffer first, then portfolio. CPF LIFE added from age —.
Emergency Reserve
—
Set aside — not invested
Covers
—
months of monthly expenses
Deployed to Portfolio
—
savings minus reserve

Pre-retirement (shaded): dividends and monthly surplus both reinvested — portfolio compounds before client draws a cent. Post-retirement: shortfall drawn from emergency reserve first, then portfolio. Dividend = 5% × portfolio ÷ 12. Add lump sums via What Changes tab.

Scenario 3 — Dividend + Growth Portfolio

Everything in Scenario 2, plus an additional monthly contribution into a separate growth portfolio during working years. At retirement, the growth portfolio folds into the dividend portfolio.

Enhanced
Growth Portfolio: —/mo contributed for 10 years (ages —–—) into a growth fund at 8% p.a. Accumulated value folds into the dividend portfolio at age —. All other assumptions identical to Scenario 2.
Emergency Reserve
—
Set aside — not invested
Covers
—
months of monthly expenses
Deployed to Portfolio
—
savings minus reserve
SCENARIO 1
Savings Drawdown
Bank drawdown · No investment
—
Savings at age 65
Calculating…
SCENARIO 2
Dividend Portfolio
$90k invested from Day 1
—
Portfolio at age 65
Calculating…
RECOMMENDED
SCENARIO 3
Dividend + Growth
$90k + growth fund
—
Portfolio at age 65
Calculating…
Feature Comparison
SCENARIO 1
Drawdown
SCENARIO 2
Dividend
SCENARIO 3
Recommended ★
Overall Verdict
—
—
—
Adjust Key Assumptions
Retirement Timing
Retirement Age  58
4875
Plan to Age  90
↗ LONGEVITY
80100
Monthly Target
Retirement Monthly Target  $10,000/mo
$2,000$15,000
Scenario 3 — Growth Portfolio
Monthly Contribution  $1,500/mo
$300$5,000
Years to Contribute  10 yrs (age 48 – 57)
10 yrs20 yrs

Invested monthly from age 48 at 8% p.a. Entire accumulated value folds into dividend portfolio at retirement.

Additional Lump Sums

E.g. property sale, inheritance, SRS maturity. Auto-routed: Scenario 1 → savings · Scenarios 2 & 3 → dividend portfolio.

Lump Sum 1
Amount  $0
$0$1M
Age received  65
4885
Lump Sum 2
Amount  $0
$0$1M
Age received  70
4885
Lump Sum 3
Amount  $0
$0$1M
Age received  75
4885
Starting Capital
Bank / Liquid Savings
Starting Amount  $150,000
$0$1M
Emergency Fund
Reserved Amount  $60,000
$0$300,000
Kept liquid. Portfolio seed = savings − emergency fund.
Current Cashflow
Monthly Income
Take-home ($/mo)
Shown in Client Profile cashflow snapshot. Leave 0 if not applicable.
Monthly Expenses
Total Monthly Expenses ($/mo)
Shown in Client Profile cashflow snapshot. Leave 0 if not applicable.
Insurance / Annuity Plans
Plan 1
Enable plan
✕ Disabled
Plan 2
Enable plan
✕ Disabled
Plan 3
Enable plan
✕ Disabled
Rental Income
Include rental income
✕ Rental disabled

Toggle off to simulate no rental income. Applied across all three scenarios.

Biz / Side Income
Include biz / side income
✕ Biz income disabled

For retirees supplementing retirement with a simple job, consulting, or side hustle. Adds to income across all three scenarios.

Client Details
Identity
Client Name
Current Age  48
3075
Gender
Assets & CPF
CPF OA Balance ($)
CPF LIFE Monthly Payout ($)
↗ ESTIMATE
CPF LIFE Starts Age  65
6570
Story
Envisioned Retired Life
Brief description (optional — shown on Story tab if filled)
Portfolio Rates
Growth Portfolio
Annual Growth Rate (% p.a.)
Scenario 3 growth fund. E.g. 8 = 8% p.a.
Dividend Portfolio — Growth
Capital Appreciation (% p.a.)
Scenarios 2 & 3. E.g. 2 = 2% p.a.
Dividend Portfolio — Yield
Dividend Yield (% p.a.)
Annual yield in Scenarios 2 & 3. E.g. 5 = 5% p.a.
Bank Savings Rate
Interest Rate (% p.a.)
Applied to savings in Scenario 1. E.g. 1 = 1% p.a.
Client Link
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RETIREMENT REALITY CHECK™ · DEVELOPED BY JOE TAN · 90707727