CPF, Stocks and Crypto. At this moment, these are probably the only 3 asset classes I would consider. I know there are other instruments out there like insurance (endowment plans), bonds and properties. However, in my humble opinion, they are either sub-optimal or out of my league, or maybe even both. For this article, I am assuming a simple baseline scenario of:

Investing $24k a year (or $2k every month) for 20 years

I chose these numbers as they are relevant to a big proportion of readers and of course me. $2k a month is ~30% of the median wage and 20 years is a reasonably long period to compound returns. Whether it’s age 25 to 45, 35 to 55 or 45 to 65. At some point, you would have to enjoy the fruits of your labour, right? If you think it’s too demanding, feel free to divide the $2k by 2, 5 or even 10. Of course, if you are a baller, just multiply the numbers until it is applicable to your situation....