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 officially opens the door to my money working for me. I no longer work for money and become fully committed to controlling my finances and my time. The next step is to reduce investment risk, increase sustainable investment returns, and properly manage my retirement assets.

The first formula below estimates the actual amount of cash invested in my CDP fund, using my Amova Singapore Dividend Equity Fund (ASDE) as a benchmark. It provides a standardized way to track relative performance.

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

The second formula below tells me the actual dividend yield of my CDP portfolio, adjusted for invested capital. I regularly update this data in Excel to monitor whether my portfolio remains within my target yield range of 4-5%.

Annual CDP Dividend Return % = (Total Annual CDP Dividends Received x 100) / Estimated CDP Cash Invested Principal

The above formula provides a deterministic (data-based) way to measure the performance of my CDP portfolio by projecting potential paper gains or losses. You can also use the above formula to benchmark your CDP fund against an index fund or ETF. Maintaining no more than 10% of your entire fund in any single stock is generally quite safe.

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Illustrated for educational purpose only, more information please visit at my rednote ID: 9486320864

About my work and education at https://www.facebook.com/libra1966bensim/about_work_and_education

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, appropriately taking and managing necessary risks, and refused to purchase any private insurance packages (this was a personal choice made by me after I had already obtained the national MediShield Life insurance and completed a personal risk assessment, and does not constitute general advice), so I did not 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 29.73% of my monthly passive income. This means I still have some left over 70.27% for medical treatment, travel, or investment. Currently, approximately 43% of my total annual passive income is reinvested in DBS Bank retail unit trusts in Singapore.

插图仅用于教育目的，更多信息请访问我的小红书 ID：9486320864

Illustrated for educational purpose only, more information please visit at my rednote ID: 9486320864

More isn’t necessarily better for private health insurance: Health Minister Ong Ye Kung | Deep Dive
at https://youtu.be/WtSzkkK7kIs?si=Hhjl1D25I9NB8474

About my work and education at https://www.facebook.com/libra1966bensim/about_work_and_education

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?

中文版笔记，请访问我的小红书ID：9486320864

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