helping a very good friend lah...i don't know anything about all these...but this very close uncle friend asked me to help..i told him i really don't know...he said he dare not put in our banks...they will take the money and "gamble away"....he is about to withdraw his CPF !!!!...worked hard all his life...the only thing i told him, if he does not need the money, better put inside, don't take out...4% is really good returns for his retirement account...tioboh?
Sorry, I have misunderstood you. If he is old and he has missed something in his life, like has not fcuked a decent syt before, perhaps can tell him to spend $150 or less to patron one of the brothel there. And tell him to do the proper protection. This could prevent him from being cheated in future for his life-saving by those gals at the hawker centre/streets.
Then if he think some place where he loves to travel like Paris or Beijing ...but has not done so, go to a travel agent and do it when his health is still ok and his mind is still clear.
Then if he wants to eat something expensive, go to one of the restaurant alone and order three dishes.
Check in a six stars hotel for a night.
With the budget of $5k for all these. The remainder can keep in bank and spend wisely.
What does one want from his life? Women, Food,Something luxury.. Help him to fulfill his wants with a budgeted sum and prevent him from paying and receive nothings but hurts and hatres.