thanks for the ETF recommendations, I am also a fan of ETF, less volatile and stressful to invest, at least it will assure you that your investment won't under perform the market.

Very difficult to have strict saving plans when one have children, there are many unexpected expenses along the way. If include SRS and CPF OA & SA savings , I would have achieve the million milestone during my 40s. I don’t quite agree to that famous saying, so long you’re still young at heart and still healthy, there isn’t much difference just that you need to go travelling with companion with the same mindset.

$Vanguard S&P 500 ETF(VOO)$  

$Vanguard S&P 500 ETF(VOO)$  

$Vanguard S&P 500 ETF(VOO)$  

Bitcoin should be safest bet.