Ah.. the conundrum of how high is high & how low is low comes into play
Start with a 5 year plan lor - Value Cost Average or Dollar Cost Average or TwinVest it.

Anyone here remembers "people" telling them they are crazy to go into the market at end 2008 / early 2009?
"Market so lousy waffor"

Flash forward 2010
Anyone here remembers "people" telling them they are crazy to go into the market at 2010?
"This recovery's not real"

Flash forward 2011
Anyone here remembers "people" telling them they are crazy to go into the market at 2011?
"Market so high liao crazy ar"

Flash forward 2012
All time high for KLCI and generally REITs for SGX & KLSE (i only track those heheh sorry ar).

If by 2020 I can get 30-40K in MYR terms per annum, I am already happy. SGD50K, it will be impossible for me at my current situation. Even getting 30-40K MYR is already not likely for me already..