👍//@Soyabean89:Best way to invest for retirement? Slow & steady into blue chippy and dividend yielding...specifically defensive type namely national banks, dividend kingz & quality reitsY? Because passive income via dividends able to ease one mind to some extend...giving sense of security and incentives of diamond hand during bear market. Sgx dividend stock not subjected to taxation ( only local citizens) Saving: well i just follow the 5:3:2 ratio as much as i can.. Shifting the 3:2 during bear/ whenever have extra cash. No point aim a fixed value since inflation gonna made it pointless... (in 90s,1plate chicken rice how much? Fast-forward 30years admist chicken shortage) also life goal will always chan