In July 2025, my net worth surges to S$1.93 million record high boosted by the recovery of S-REITs in my investment portfolios, salary and bonus savings. Net Worth Breakdown: Safe Heavens (62%) CPF (34.9%): CPF constitutes the bulk of my net worth and foundation of my retirement savings. It is a low hanging fruit tree that we should not ignore. Cash and war chest (17.5%): Liquid reserves strategically stashed in fixed deposits and Fullerton cash funds earning around 2.0% p.a. provide me with a peace of mind and security for unexpected expenses or investment opportunities. Bonds (9.3%): A balanced portfolio of low-risk Singapore Savings Bonds and Astrea Bond ensures stability and provides steady source of passive income. Retirement Savings (16%) SRS (11.5%): A tax-deferred savings account holding a supplementary source of retirement savings. My SRS funds are invested in $30k of SSB and 6 local stocks – Comfortdelgro, DBS, OCBC, Keppel DC Reit,…
