How a salary worker can accumulate to 10 million Networth in 10 years

 Assuming a worker who earns about $10k after CPF deduction and bonus per year in Singapore.

• Salary (after CPF): $120k/year (~$10k/month take-home, plus CPF employer/employee not included here).

• Investments:

  • SGX dividend portfolio: $350k (yielding $30k/year, ~8.6% yield — very good).

  • Endowus S&P 500: $55k.

  • Endowus Tech Fund: $25k.

  • US stocks: $15k.

  • Cash: $170k.

  • CPF savings: $325k.

• Total Net Worth (excluding property): ≈ $940k SGD.

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🎯 Target: $10M Net Worth in 10 Years

That’s a 10.6x increase from ~$940k.
Mathematically, you need about 26% CAGR over 10 years.

This is very aggressive — much higher than passive investing returns. So you’ll need a mix of: disciplined investing, high savings rate, leverage, and/or business ventures.

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🔑 Step 1: Annual Savings Capacity

• Salary after CPF: $120k.

• Dividend income: $30k (growing over time).

• Total investable cash inflow: ~$150k/year before expenses.

If I save/invest $100k per year, that alone adds $1M fresh capital in 10 years (without compounding). So savings are important but won’t get me to $10M by themselves — I need high returns too. Assuming i keep my expenses within 50k per year and invest the rest of the money which amounts to $4k+ per month. 

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🔑 Step 2: Portfolio Strategy to $10M

Here’s how you can structure your plan:

1. Keep the Dividend Portfolio (SGX $350k)

• Strong base of $30k/year dividends.

• Reinvest all dividends → compounding effect.

• Over 10 years at 8% yield + 3% growth → ~$800k–$1M.

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2. Aggressively Grow Global Equities (S&P 500 + Tech + US stocks)

• Currently $95k (55k + 25k + 15k).

• If you inject $50k/year into global ETFs/funds and assume 10% CAGR, this could reach ~$1.2M–1.5M in 10 years.

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3. Deploy Cash ($170k)

• Don’t leave idle.

• Put half ($85k) into S&P 500/Global ETFs, half into opportunity fund (for property/market crashes).

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4. CPF Growth ($325k)

• CPF grows ~4–5% annually risk-free.

• In 10 years → ~$500k–550k.

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5. Property Investment (Leverage Play)

• This is where you can 10x.

• With $170k cash + $100k yearly savings, you can enter an investment property with leverage (e.g., $1.5M property with 25% down).

• If property appreciates 3–4% yearly and you use leverage, ROI can be 8–12% annually, compounding with rental income.

• Two good property plays in 10 years → $2M–3M upside possible.

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6. Side Business / High-Leverage Venture

• Consider allocating 10–15% of savings into a scalable business or startup (e.g., online business, consultancy, or joint venture).

• Even 1 successful venture could add $1M–3M.

• But treat it as high-risk/high-reward.

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📊 Projected Path (10 Years)

• SGX dividend stocks → $1M.

• Global ETFs/US stocks → $1.5M.

• CPF → $0.5M.

• Savings invested annually (100k/year) → $1.5M–2M.

• Property (1–2 leveraged properties) → $3M–4M.

• Side business / luck factor → $1M–2M (if successful).

👉 Total possible range: $8M–10M in 10 years.

This assumes:
✅ High savings discipline (~100k/year invested).
✅ Aggressive allocation into equities & property.
✅ Reinvestment of dividends (no lifestyle inflation).
✅ One leverage play (property or business) working well.

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🚦 Probability of Reaching $10M

• Conservative investing only (stocks + CPF + dividends): 20–25% chance → likely ~$4M–5M in 10 years.

• With property leverage: 40% chance → $7M–8M.

• With property + side business or lucky moonshot: 15–20% chance → $10M+.