This is for those who enter disbelieving. It was March 2024.
I have nothing to gain from this, only an account of an ordinary CPF that has been studying and investing over time, with the little time I have available for studies. And for those who say that 1 year and 5 months is a short term, let's imagine the long term.
Don't despair, study, put in the effort, don't cast pearls before swine and let's move forward.

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