A few people have asked how I got the benchmark of 20% for the amount to be deducted at the end of 25 years. This is stated in page 62 of my book on Financial Planning.
I encourage people to buy and read the book a few times to get a better understanding of the subject. They should not expect to be given individual coaching as it is time consuming for the teacher. These difficult questions require an understanding of the principles and the need to make personal judgement - and is not appropriate to be asked as a question.
Tan Kin Lian
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