I previously mentioned of the CPF which is considered as the pension fund in overseas countries. I do not know whether I will be getting the pension fund in the event if I reach the withdrawal age. The goal posts have been shifting by the Authority all these years. It makes sense for me not to rely on the pension fund as the future is unknown. It makes sense to focus on the generated dividend from the investment portfolio and allocate the expenses based on the generated dividends on a yearly basis. If I manage to withdraw the pension fund, it will be great and I will invest the pension fund into the investment portfolio which will generate more dividends.
As mentioned before, I will focus on the other aspects of life and let the investment portfolio do the work in generating more dividends for my expenses. I will adjust the expense accordingly. It is unlikely that I will increase my expense since I am adopting the minimalist approach in life.