What mathematical formula do I use to manage my CDP fund portfolio?

According to DBS NAV Planner, my property (a 3-room HDB flat) only accounts for 12.35% of my total assets. For years, I've maintained that my home is for my own living, using Singapore Real Estate Investment Trusts (S-REITs) and DBS Retail Unit Trusts as tools for my personal financial management and investment.

I decided to retire early, at age 58, on March 1, 2024, seven years earlier than the official retirement age of 65, which was originally scheduled for 2030.

My CPF investments have maintained a profitable return on investment so far. On March 16, 2024, having reached the FRS, I decided to close my CPF investments and withdraw all my CPF investments, allowing me greater flexibility and convenience in managing my retirement assets.

The value of investment funds fluctuates with global economic developments, so the timing of fund redemptions is crucial. Past returns, which can be found online, are for reference only. The following is my CPF Investment portfolio before closing, please feel free to refer to it:

73.56% — FSSA dividend advantage fund

6.84% — Mapletree Pan Asia Cm reit

5.67% — Frasers log & co tr

3.79% — Sasseur reit

3.67% — Lendlease gl co reit

3.53% — Capitaland ascendas reit

2.92% — Aims apac reit

Achieving retirement means officially opening the door to having money work for me. No longer working for money, I've become someone fully committed to controlling my finances and managing my time. My next priority is to reduce investment risk, increase sustainable investment returns, and properly manage my retirement assets.

My entire Singapore Stock Exchange CDP fund's profit and loss is calculated using my Amova Singapore Dividend Equity Fund (ASDE) as a benchmark, using an Excel spreadsheets and completed through the following two mathematical formulas I have set:

Estimated CDP Cash Investment Principal = (ASDE Principal x CDP Market Value) / ASDE Market Value

Annual CDP Dividend Return Percentage = (Annual CDP Dividends Received x 100) / Estimated CDP Cash Investment Principal

The above formula uses a deterministic function to predict the expected paper losses or gains of an investment. You can also use this formula to benchmark your CDP fund against index funds or ETFs. It's actually quite safe to keep no more than 10% of your entire fund in each stock.

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I successfully transitioned from work income to passive income after retirement

Since I officially retired on March 1, 2024, I've been tracking my expenses every month using Google Sheets. The above Google Sheets pie chart reflects my personal expenses for August 2025 (I only started using the SG60 Neighborhood Shopping Voucher in September).

I enjoy buying groceries from supermarkets and online. I prepare three meals a day at home almost every day with great care, rarely eating out.

To conserve electricity, I've resolutely avoided installing a water heater. There is an air conditioner installed at home, but rarely use it. Clothes are washed by hand; there is no washing machine at home and have no plans to purchase one.

I own my house and live with my sister, so I don't have to pay rent, thanks to the "Home Ownership Scheme" policy in Singapore.

Before retirement, I focused on building my own investment portfolio, taking appropriate risks, and avoiding any private insurance packages (this was my personal choice based on my risk assessment and does not constitute general advice). Therefore, I don't have to pay premiums.

After retirement, my investment portfolio, comprised of Unit Trusts, high-dividend stocks and Singapore Government Bonds (SSBs), provided a steady cash flow, allowing me to smoothly transition from work income to passive income, which is completely tax-free in Singapore.

I never dream of getting rich overnight. My fundamental financial philosophy is to increase income, reduce unnecessary expenses, and rapidly increase reliable investments.

The final total is SGD $667, which account about one-third of my monthly passive income. This means I still have some left over for medical treatment, travel, or investment. Currently, approximately 42.2% of my total annual passive income is reinvested in DBS Bank retail unit trusts in Singapore.

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Why China-US Zero Tariff is a Myth (And Why I'm Dumping Dollar Assets)? 🤔

Before discussing this topic, let me first tell you about my recent major move: selling off all US dollar assets. 💸 Even Buffett doesn't dare buy 10-year US Treasury bonds, so why would I dare to touch them?

👉 My core point: China and the US are like a "misaligned dance." 💃🕺 History is so strange: when the US opens, China closes | when China opens, the US closes. So, a zero-tariff agreement between the two? In theory, it's a false proposition!

👉 What is the essence of the trade war? Trump's "reciprocal tariffs" may seem tough, but in reality, they're essentially shifting the US government's debt onto every American citizen. (That's why maintaining a balanced fiscal balance is so important!)

👉 The most amazing "assistance": Who could have imagined that the final year of "Made in China 2025" would coincide with Trump's trade war? As a result, it forced China's industry to upgrade and reach a higher level. Trump's existence is like a generative adversarial network for American consumerism, specifically designed to reduce waste.

🔥 Latest Situation: China will impose a 125% tariff on US goods starting in April 2025. This confrontation between a technological and industrial giant and a technological and financial giant has just begun.

✅ What did I do as a Singapore investor? 1️⃣ Resolutely reduced my holdings of US dollar assets: Policy fluctuations and uncertainty are the biggest enemy of investment. 2️⃣ Switched to 10-year Singapore Savings Bonds (SSBs): Seeking stability first.

💡 [Strongest Signal] Even Buffett (an American!) only buys short-term bonds with a term of 1-2 years and resolutely avoids 10-year US Treasuries. This shows that the risk of US Treasury default over the next 10 years is truly high! Isn't this a clear signal?

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More Chinese version video, please visit my Station B at https://space.bilibili.com/3546754987330372

Features of my Investment Portfolio (Updated)

• My investment portfolio is mainly focused on Asia, which is very similar to Singapore's three major banks.

• My CDP portfolio covers approximately 100 listed companies on the Singapore Exchange (SGX), and so far, no single security exceeds 10% of my entire CDP portfolio, making it highly diversified with low risk.

• Cash + SSB (Singapore Savings Bond) will always maintain no less than 10% in my portfolio.

• You will find that once the passive income engine is built, you can feel it breathing at all times, it will expand, and it will also contract.

• When the portfolio size expanding, assets can be sold off to maintain minimum 10% (Cash + SSB). When the portfolio size is shrinking, SSB or Cash can be injected into the shrinking assets.

• My CDP average dividend yield for the year 2024 was 4.3%.

• As an ordinary Singaporean, it took me a total of 25 years of working to accumulate enough savings to achieve financial freedom without having to purchase any private insurance premium.

• I officially retired on March 1, 2024 (age 57).

• In order to maintain basic needs after retirement, I have adopted an investment strategy primarily focused on dividend trust funds, supplemented by a growth trust fund.

• Besides CPF life which is only allowed to be used after the age of 65, the investment portfolio actually provides me with protection against inflation and basic living needs.

• Above pie chart created using Python matplotlib.

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One of the best cream to cure eczema in taobao online marketplace

I have been suffering from eczema for last 3 and half months. Why still many people prefer to Chinese medicine formulated cream, the answer is western medicine formulated cream has too many side effects.

I used Dermasone 0.05% cream from a polyclinic in Singapore initially, but after using it for a week, I found myself breast swelling, I decided to give out Dermasone 0.05% cream.

Polyclinic doctor referral me to visited National Skin Centre, I also tried Suu Balm which formulated by National Skin Centre, it can stop itching but not effective, it also can't reduce swelling.

After a prolonged searching and trying different types of cream, end up found that the best cream for me to cure my eczema effectively and also to achieve fast recovery is 三国神医抑菌乳膏 (Sanguo Shen medicine antibacterial cream) from taobao online marketplace.

Think it all over, if I would know 三国神医抑菌乳膏 (Sanguo Shen medicine antibacterial cream) at early polyclinic stage, I will not have had suffered so much.

This cream is to prevent my skin from any damaged or broken due to itching, apply any parts of my body surface immediately when I feel itching or discomfort on my skin waterproofing layer.

I will not apply this cream if my skin waterproofing layer had already damaged and broken for large areas.

I will apply only cucumber, aloe vera or red dragon fruit juice and moisturising cream after oil based soap bathing until my skin waterproofing layer recovered.

Different people react differently to different types of itch relieving cream, best for me doesn't mean will be best for you.

Search the key words "抑菌乳膏" at world.taobao.com to look for antibacterial cream.

江西灵水生物科技有限公司

Soya Banana Dragon Fruit Oats Porridge with Rye Flakes

Get up every morning, before breakfast, I first have a cup 

[1 teaspoon of steamed black beans soaked white vinegar or brown rice vinegar 

+ 

1 teaspoon of apple cider vinegar

+

1 tablespoon of wheat germ 

+

8 organic Ningxia wolfberry

+

1 teaspoon organic acai berry powder

+

1 teaspoon organic maqui berry powder

+

 1 teaspoon of raw honey 

+ 

500 ml of filtered tap water] 

to increase my appetite, and then spend about 45 minutes to prepare this breakfast dish.

Breakfast is the most important meal of the day, the types of food you eat will affect your mood and energy levels throughout the day, and the best time of day to eat fruit (especially ripe bananas and fresh blueberries) is in the morning. Because of this, I love living in Singapore, carefully prepare a dairy-free, egg-free, low-temperature breakfast for myself. I rarely go out for breakfast unless I'm abroad.

Whenever durian season in Singapore, I will occasionally use one D24 or XO durian fruit instead of dragon fruit, add cardamom powder and fennel powder to bring me a unique taste. Banana D24 Durian Soy Milk Oatmeal Porridge, use D24 durian, if you use musang king, it will be difficult to consume.

To prepare this breakfast, you need to have an infrared ceramic cooker.

Ingredients

 1 Serving

1. 1. 800 ml tap water
   2. 2 chinese soup spoons of rolled oats (20 grams)
   3. 1 chinese soup spoon of rolled rye flakes (10 grams)
   4. 30 grams (1 sachet) no sugar high-calcium soy milk powder
   5. 2 ripe banana
   6. 2 fresh honey dates
   7. Half red-fleshed or half white-fleshed dragon fruit
   8. 1  teaspoon of cold pressed flaxseed oil
   9. 20 fresh blueberries
   10. Appropriate amount of cardamom powder
   11. Appropriate amount of fennel powder

1. 
   

1) Put 800 ml of tap water in a pot and put the pot on an infrared electric stove, boil it to 100°C with an electric power of 2000W, to eliminate the chlorine from Singapore's tap water.

2)  Reduce the power of the infrared electric stove to 200W, add 2 Chinese spoons of rolled oats and 1 Chinese spoon of rolled rye flakes, then increase the power to 1000W, cook after 5 minutes, keep stirring with bamboo chopsticks, as you can see high quality soluble fibers emerging and become soluble paste.

3) When the bamboo chopsticks are stirring, you can feel that the thick pulp starts to stick to the stainless steel. You can turn off the power if you detect that the bottom of the pot is a bit rough through the bamboo chopsticks.

4) To prevent the soya milk powder become lumpy, affect the nutritional value of the soya milk powder, the pot quickly cools to about 50°C with round shallow bucket of tap water. Add one sachet 30 grams of no sugar high-calcium soya milk powder, use bamboo chopsticks to stir and mix well.

5) Add one ripe banana remove skin, two fresh honey dates remove seeds, red-fleshed dragon fruit cut half, then scoop out with a table spoon. Use bamboo chopsticks to mashed, stirred and mixed together. Add 1 teaspoon of flaxseed oil to brighten the food and mix well. 

6) Add appropriate amount of cardamom powder and fennel powder to increase the flavor when needed. Transfers to a porcelain plate. Add about 20 blueberries to garnish. Finally my sticky and delicious, healthy and nutritious breakfast is ready.

The benefits of oats stem from the soluble fiber which has been shown in studies to lower cholesterol levels thus reducing the risk of cardiovascular disease. Oats contain a unique antioxidant called avenanthramides. Avenanthramides help prevent free radicals from damaging the good (LDL) cholesterol.

In addition to the long term benefits of oat consumption, oats are a great source of complex carbohydrates which provide long lasting energy for active individuals. Oats also contain a high amount of the antioxidant selenium, viscous soluble high-quality fiber, can relieve constipation problems and reduce the risk of colorectal cancer. Whereas the intakes of rye flakes reduce your risk of diabetes.

My Cookpad Version
https://cookpad.com/uk/recipes/6051068-soya-banana-dragon-fruit-oats-porridge-with-rye-flakes