Dear Students of Batch 16, It’s been a great honour and privilege to be able to conduct a 2-Day Early Retirement Workshop for you. We see a gradual downsizing in ERM classes as the effects of the pandemic bite. Further, this has allowed us to expand our offering, and the course is inching ever closer to becoming a three-day program. Batch 16 is also the first time we are officially making Pyinvesting.com and the use of Interactive Brokers part of our training program that allows students the opportunity to do back-testing on Singapore markets on their own without the need for Bloomberg terminal. Having four consecutive days of webinars also allows students to digest material at their own pace. The ERM can highly rigorous for the first two days, but breaking the material down into four digestible parts is seeing a marked improvement in Batch 16’s quiz performance relative to previous batches....