what is his annual income (salary+bonus+benefits)?
Does he own any other investment portfolio (stocks & shares, property)?
EDIT:
Add: got silver spoon inside his mouth? ;p
more important question - does he have a GIRLFRIEND???
to answer your question, i think you need more details of his saving habits. some people may lock their savings into long term investment plans.
quick and crude calculation:
age 25 26 27 28 29 30 31 32 33 34
annual salary with 5% incr 36,000 37,800 39,690 41,675 43,758 45,946 48,243 50,656 53,188 55,848
less CPF 20% 28,800 30,240 31,752 33,340 35,007 36,757 38,595 40,524 42,551 44,678
tax less 10% 25,200 26,460 27,783 29,172 30,631 32,162 33,770 35,459 37,232 39,093
less insurance savings 15% 3,780 3,969 4,167 4,376 4,595 4,824 5,066 5,319 5,585 5,864
less car expenses 12000k 12,000 12,000 12,000 12,000 12,000 12,000 12,000 12,000 12,000 12,000
less entertainment exp 20% 5,040 5,292 5,557 5,834 6,126 6,432 6,754 7,092 7,446 7,819
savings 4,380 5,199 6,059 6,962 7,910 8,905 9,951 11,048 12,201 13,411
total savings after 10 years 86,026