Rofl let's be honest,

if you need more than 1m for retirement, you're either trying too hard to indulge on insane luxurious goods in Singapore ( buying lambo, eating atas restaurant everyday, spa / massage vacation etc ) or just really really dumb and have 0 concept of how people retire.

good luck tho, enjoy working like a dog and blasting through your savings while you're all old and senile.