- 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 expands, assets can be sold off to maintain a 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 is a pie chart created using Python matplotlib and VS Code IDE.
Image above provided by Microsoft Copilot
Image above provided 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. ”
📖 Financial Transparency as System Validation
To pursue the Advanced Degree in Life Engineering (CYSM), I made public my portfolio of liquid assets. This is something many people cannot bring themselves to do. Transparency in financial modules is not about showing wealth, but about demonstrating the operational stability of the system. CYSM is not a theory on paper—it is a life protocol validated by real-world constraints.
The true difficulty, however, is not merely in making a portfolio public. The real challenge lies in allowing a theory to be tested against reality. Many are willing to share ideas, philosophies, or methods, but few are willing to disclose actual asset allocation, cash flow structures, spending levels, or risk-bearing strategies. Once such data is revealed, a theory shifts from opinion to verifiable structure.
By publishing key operating parameters—liquid asset allocation, REITs, ETFs, SSBs, cash buffers, living expenses, the SGD 667 low-energy engine, and the 5.61% yield engine—CYSM moved beyond abstract discourse. Readers can now observe not only what CYSM says, but how CYSM runs.
This transparency aligns with CYSM’s guiding principle: Theory may guide, but systems must run. Once data is public, time becomes the strictest examiner. Only long-term stability proves resilience. In this sense, publishing asset configurations is not the “degree” itself, but rather the submission of experimental data. The true test of CYSM lies in whether the system can continue to operate stably under the constraints of Signal × Time × Stability.
