Okay, so here’s the thing, my net worth’s been doing this crazy rollercoaster thing but we’re ticking it slightly upwards to S$1.837 million. Thank you, CPF contributions, dividends, and savings! Bless your stable souls. And let me tell ya, at one point, Trump and his tariffs were like a tornado swirling disaster through the markets — lost over $60k just like that. But hey, we’re here.
Right, so Net Worth Breakdown. Let’s dive into this spicy financial salad.
Safe Havens (63% of my sanity, I mean, assets) – CPF (36%): Man, the CPF is like the bottom brick of Jenga, the unshakeable core of my retirement bliss. Am I letting those funds chill instead of investing? You bet. They’re lounging around earning a comfy-as-a-bed-on-Sunday 2.5% in OA and 4% in SA. Like, who needs the stress? Talked about those 8 juicy CPF changes coming in 2025, but we’ll leave that gossip for another day.
Cash & War Chest (17%): Alright, liquid reserves — think of them as the emergency snacks in the cupboard. Sitting sweetly in fixed deposits and Fullerton cash funds, bringing home the bacon at 2.5% p.a. These are my “sleep easy at night, nothing’s gonna surprise me” funds.
Bonds? Oh yeah, they’re the vanilla but reliable portion (10%): Tucked into Singapore Savings Bonds and Astrea Bond, they’re a balanced act, like a tightrope walker with a net below. Swear, I maxed my SSB limit at $200k back in Aug 2024. Wild times.
And there you have it. This is my bruised but resilient financial playground — sometimes chaos, sometimes calm, always intriguing.
