- 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.
- When the market is down and my portfolio shrinks sharply, the SSB+Cash weighting automatically adjusts to close to 20%. When my portfolio expands rapidly, the SSB+Cash weighting automatically adjusts to close to 10%.
- In other words, when the portfolio size is shrinking, SSB or Cash can be injected into the shrinking assets. When the portfolio size expanding, assets can be sold off to maintain minimum 10% (Cash + SSB).
- 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. It frees me from predicting the market, I can simply stay on the track set by the system.
- My CDP average dividend yield for the year 2025 was 7.33%. The entire portfolio achieved a return of 5.61% in 2025 based on my typical formula.
- 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).
- 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 and VS Code IDE.
Image above generated by Microsoft Copilot
Image above generated by ChatGPT, Claude commented: There appears to be an OCR error in the "System Resilience Map" image – "OREIZED REICSCENCE" does not look like the correct English word, suggesting a problem with the recognition of a word in the image. My personal viewed: “Like many engineering systems, life does not require a perfect design. What it needs is a structure that allows time to take its course without letting faults accumulate. A resilient system, therefore, does not depend on perfection. ”
Generally speaking, I'm not a risk-taker. I tend to choose decisions with clearly defined and controllable risks, carefully designing my life to keep those risks within manageable limits, and ensuring they are clearly visible and repeatable. The systems I build are designed to control and manage risk, making it bearable.
I’m not trying to predict the market. I rebalance when my cash buffer falls below a set range, gradually reducing positions and simplifying the portfolio. Resilience is not about predicting the future, but about designing a system that survives it.
I learned how to invest properly through the CPF Investment Scheme (CPFIS). Without CPFIS, I probably wouldn’t have the portfolio I have today. In many ways, my entire investment system actually grew out of the CPFIS framework.
The CPF Investment Scheme also helped me develop a disciplined investment strategy and, more importantly, kept me away from investment scams.
插图仅用于教育目的，想看中文版本或更多信息，请在小红书搜索我的笔记：我的投资组合主要投资于亚洲，并纳入了SSB
About my education >> https://www.facebook.com/libra1966bensim/directory_education
