In December 2019, this is one of the circumstance in which the Government is declaring the one of the lowest bonus. This shows that there is no such thing as iron rice bowl. One will have to take charge of his/her employment. The best bet against the uncertainty (in the form of retrenchment etc) is the investment portfolio as per my perspective. This is coupled with the minimalist lifestyle which requires minimum expense and I believe that this will last me for the rest of my life with such approach.