First ten years
Invest on yourself (25% of income)
Invest on other instruments (5% of income)
Next ten years (assuming natuto ka nung first 10 years)
Invest on yourself (15% of income)
Invest on other instruments (15% of income or more)
Next ten years still (assuming natuto ka nung first 20 years)
Invest on yourself (15% of income)
Invest on other instruments (30% of income or more)
if you do it wisely and prudently, darating ang araw, kahit na in % maliit or same na yung investment mo pero in actual value, malaki na yun kasi lalaki income mo.