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 paper return. On March 16, 2024, having reached the FRS, I decided to close my CPF investments and withdraw all my CPF holdings to allow for more flexible management of 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 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 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 calculation brought me a total of SGD 667. This figure means I still have some money left over for medical care, travel, or investments.

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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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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 additional insurance.

• 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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