So except for the first sentence, you didn't read or understand anything else in that post. And I retired at 45 + 25 is last year, come Sept/Oct ?, I've been here 26 yrs. Didn't need to invest my 700k THB then, in the market, to have what I have now. If I retired at 66, I would not have come to TH, as no desire or need to. You may want to try to read & understand what I post, if not, stop replying to me. This will probably be my last reply to you, as obviously you have some learning issue. Do have a pleasant day.