This blog material is taken from a reply I recently gave a young reader who is doubtful that a comfortable retirement is achievable in Singapore for the average worker. The reader also wonders why AK seems to be pretty calm about losses in investments while he is likely to get rather depressed.   AK says... If we are right more often than we are wrong, we should do well enough and I think I have been lucky that way. After so many years as an investor, I am more forgiving towards myself and try not to dwell too much on losses because no matter how good an investor we are, it is bound to happen. What helps to give me peace of mind is investing for income. Investing for income, I am less bothered by daily price fluctuations. You might be interested in the blog where I said we could save...