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Whoa bro - you're saving 42%+ of your net salary? If that's true, congrats - very good head you've got on U.

In addition, if your mutual funds are NOT via EPF (ie. your EPF isnt in your data shared) and all those investments are in cash... 

IMHO - you're doing well for a "normal salary earner".
Just one thing U might want to "watch out" for - your Asset Allocation is severely lopsided towards Fixed Income class, low on Biz Equities (Biz, normal Stocks, Equity Funds) and no REIT stocks / Properties, though U have Alternate class of Gold.

Another possible "watch out" - if you're not in a serious relationship yet and if U get into one AND/OR if U get married, don't ignore your financials though U may only save less. Speaking from my own younger and stupider days yar, please ignore if you're more "well adjusted" 

Definitely a future MULTI-millionaire. 

Excel in ZIP file for your simulation
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Eh, no Mr Mr here to me pls. Surname = Wong, not Mr.

Ah - these savings / fun spending are inclusive of your bonus? Still good leh - it's near my own personal level of cash savings inclusive of bonus and you've got age/time & growth on your side. I'm a geezer comparatively 

Well, your logic of EPF --> Mutual Funds needing 8%pa to break even isnt too right.
Note that that's just for the 1st year, U should take long term into consideration. Please note i'm NOT advocating U should move yr EPF into mutual funds k, just going to share some return i myself managed to eek out.
Below are snapshots of Equity funds i hold in Prudential SmallCaps + Public Sector Select Fund (PSSF)
& Bond fund Public Select Bond Fund. Please note i'm my own agent for Public Mutual, thus take the PSSF returns with a pinch of salt due to lowered cost of entry. For PSBF, agents dont get any of the 0.25% commissions (if i'm not mistaken).

Take a look see - worthwhile?
It's not ALL profits yar as U can see from the "untouched-up", other than amount and units lar, snapshots.
Take special note of Prudential's SmallCap which i paid FULL service charges. In those days, i think it was about 6%++.
Worthwhile? It depends on your own selection and methodology i guess. Heck, if U can handle gold's wild runs, this is sup sup water for U i think

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U've just got introduced to Asset Allocation indirectly by your bond funds saving the day due to their exceptional returns these 1+ year .

Properties? It's always a good time OR bad time to buy - it depends on your expertise in the area + target market. This is where specialization can eek out some great deals even in a high market. Personally, i'm not an expert in properties though i do have investment real estate. Just bought based on cost VS rental yield returns + location for easier land-lording.

I'd suggest U look into REITs as a start for diversifying into Real Estate asset class since REITs throws out dividends regularly and has upside potential due to its underlying properties going up in value and/or people chasing the REIT's stocks up. No issues of landlording nor lump sum locked-in BUT not much leverage (which can be a good or bad thing).

Foreign FD? not my cuppa unless my daughter identifies which country's Uni she's targeting - she's a wee bit too young to do that yet though hheheh. Reason = i'd rather own the assets generating the $, than just the $.

Phew - just a (many?) thought. 

You're welcome Neo-Spider - hope it helps.

Er.. i wouldnt say "confirm 4%-5%" for EPF. Guaranteed is only 2.5%
If you're the risk mgt type, U might want to consider whether U can take out from your all your EPF when 55 given that Gov usually taps EPF's funds (ie. our money) for all sorts of stuff, even tak logical ones, without our say. Thus, there may be some hazzards to EPF's "real $ available for withdrawal" and the Gov may just push that age further OR change the withdrawal to some annuity thinggy rather than lump sum when U reach retirement.

Personally, 1/3 of my net worth is tied to EPF, thus i'm taking out as much and as fast as possible to sorok into Properties (a/c2) and Mutual Funds (a/c1). The $ sorok-ed into Mutual Funds is not 100% safe from EPF's hands in my opinion, as it may just REVOKE all investments into mutual funds from tapping EPF and force a "recall".

REITs? Try here:
http://forum.lowyat.net/topic/1993103/+102
http://mreit.reitdata.com/

BTW, pls repeat after me - Stock INVESTING, not TRADING
Just a thought