Dear Students of Batch 21, It’s been a great honour and privilege to be able to conduct a 2-Day Early Retirement Workshop for you. We had a class within a month of the last programme because we knew that demand for investment classes typically spike when a lockdown occurs. Having a lesson a month after the last one can be pretty instructive to the programme as we can see how dynamic ERM portfolios are even when conducted after a short period. For one thing, I deliberately made Batch 21 is a lot more aggressive than Batch 20, and I very much prefer to add some growth stocks into the mix for your voting pleasure as vaccinations rates go up in Singapore. Unlinked cases have also stayed low at single-digit levels. The class was a lot more freeform this time round as a fintech stock mentioned by a student was included last minute in the selection process and was even voted democratically into the portfolio....