Thanks for all your comments.

I have discussed with my family members and they agreed I should just retire. My funds should be sufficient to generate returns that more than cover our expenses. We may have to reduce our spendings further to provide more savings buffer. I will be sourcing for food and groceries where the poor folks go. I will use BMW (bus, MRT, walk).

In a worst case scenario, I will sell off my investments gradually to fund my retirement until I die, the max at the age of 90 years old.