It's been a great honour and privilege to conduct a 5-Day Early Retirement Workshop for you.

Batch 41 took place in a chaotic age, with the War in Iran heralding a period of flux that can see inflation rise in Singapore, where banks will once again do well, and REITs take a breather, enabling a period of bargain hunting for patient investors who want to build a REIT portfolio for dividend payouts in future years. By now, ERM has stabilised a starter portfolio that accounts for inflexion points in interest rates, balancing banks against REITs to create an oasis of calm for investors.

You can see a starter portfolio of four stocks, which can be optionally expanded to eight in the final portfolio list.  (ERM community members can make a guess as to which stocks belong to this new set.)

The other issue