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Old 02-02-2020, 07:49 PM   #1757
BBCWatcher
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Join Date: Jun 2010
Posts: 11,616
i will stop becoz i thought with approx 75 to 80mths of DCA (total of 100k investment) in etf is good enough... after that i will let the investment + dividend grow on its own until retirement where i will encash them.
Clearly you’re capable of at least S$1,300/month of savings flow without affecting your lifestyle in a way you cannot tolerate. Why would you stop in ~7 years? Because you would suddenly need S$1,300/month of whiskey to drink that you aren’t drinking now? It doesn’t make any sense!

Just keep saving and prudently investing until retirement! This is called “consumption smoothing.” If you do it reasonably well, you enjoy a great lifestyle now, and for the rest of your life, and even have some lifetime gifts for your progeny and loved ones.
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