Dear Students of Batch 34, It's been a great honour and privilege to conduct a 5-Day Early Retirement Workshop for you. As I cover this latest batch of students, interest rates are still high, and 2024 is expected to have just one interest cut around the year-end period after the US elections. The pessimists might say that the portfolio we build still faces some downside risks as REITs continue to underperform. Still, optimists would see this as a bargain opportunity with a longer stretch. After all, the projected yield of the portfolio built by this batch is high at 7.42%. Community observers who follow the construction of ERM portfolios should note that this class would have selected a large variety of local stocks, as dividends are pretty high across the board. However, I removed a few counters to make the portfolio more manageable and accommodate folks...