WhatsApp Image 2019-04-17 at 5.21.38 PM

April is the month where we celebrated my father’s 65th birthday. It is a milestone achieved in a way, as he will also be receiving his first CPF payout. He is currently working part time as a private hire driver and most likely would not require the payouts for his monthly expenses except for overseas travels. Almost a decade ago, I had helped them to build a dividend-focused portfolio which should be able to further secure their retirement years.

This however, has never been that easy. Especially since my father had made many financial mistakes in his younger days, when my siblings and I were