We are a childless retired couple in our 60s. We retired 2 years ago and now staying in a landed home in Iskandar. Our stocks portfolio gives us S$40k per year (most of our stocks are Spore blue chips). With the good exchange rate, we get RM100k pa, which is more than enough. We can still own a car and go for regional holidays. As the RM continue to go down, we are very happy.