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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