Age 41, total compensation : 260k/yr. Wife not working
Hdb fully paid.
Investment :
CCR condo worth 2m. Outstanding loan 1m. Rental income (4.5k/mth) is funding loan.
Sydney studio worth 600k. Loan funded by rental income (1.8k/mth)
Stocks : 250k (40k increment yearly)
Cash + short-term bond funds: 350k (80k increment yearly)
CPF : 250k (oa + sa)

Assuming I can still work at current compensation and live frugally until 55, my retirement plan at age 55 as follows. Will continue to live frugally in HDB, but will spend more on health, travel and charity.
- put cpf ERS for my wife and I . Will generate 3.8k/mth combined from 65 onwards
- build up a stock portfolio 1m with 4% dividend return. Around 3k/mth. At age 65, sell down and put all in gov bond funds that generate 2% return.
- build up bond+cash 1.5m with 3% return. Around 3k/mth
- rental income of 6k/mth.

On death, will all properties for legacy, and bonds+cash for charity.