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Saturday, September 13, 2025

The "Certainty System": How I Use Math to Rebalance My CDP Dividend Portfolio | Lin Cangyan


According to DBS NAV Planner (digiWealth), 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 account 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 4-8%.

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. (The formula image was provided by Microsoft Copilot)



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.

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.

📖 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.


About my work >> https://www.facebook.com/libra1966bensim/directory_work

Saturday, September 6, 2025

Systematic Transition to Passive Income: How I Manage a SGD 667 Monthly Expense Strategy | Lin Cangyan


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 younger 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), so I did not have to pay premiums.

After retirement, my investment portfolio, composed 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 accounts for 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.

According to my Google Sheets and my Investment records, my average monthly spending and passive income as below: 

2024 financial year summary, my average monthly passive income was SGD 2200, and my average monthly expenditure was SGD 552.60, resulting in a passive income generation surplus efficiency of 74.88%.

2025 financial year summary, my average monthly passive income was SGD 2900, and my average monthly expenditure was SGD 613.53, resulting in a passive income generation surplus efficiency of 78.84%


Image above provided by Microsoft Copilot


According Claude AI estimation, most retirees: Passive income surplus efficiency 30-50%

Your efficiency: 78.84%

This means your wealth grows 1.5-2 times faster than others.

“This efficiency represents a self-reinforcing system where surplus becomes reinvestment power.”  



Image above provided by ChatGPT


📖 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.

Structural Tension, System Stability, and My Personal Response

A CYSM Perspective on Long-Term Uncertainty

Introduction

The final diagram translates this into the CYSM framework, illustrating how personal buffer zones—capital, health, time, and psychological—absorb uncertainty and maintain stability.

Together, they demonstrate CYSM’s cross-domain principle: misalignment does not need elimination; it requires resilient absorption.

The first two diagrams highlight structural misalignment at the global level, showing how economic, technological, political, and security layers converge into persistent tension.



1. Framing the Question

This article is not a geopolitical prediction, nor investment advice.

It is a systems interpretation of long-term structural uncertainty and a personal response to it.

Over the years, many observers have hoped for a stable and cooperative relationship between China and the United States. While periods of stability may occur, a systems perspective suggests that structural tension is likely to remain.

The reason is not individual leaders, political parties, or temporary events.

The reason is structure.



2. The Core Observation

From a CYSM perspective, the question is not:

"Will conflict occur?"

The more relevant question is:

"How should a personal life system operate when structural uncertainty persists?"

CYSM does not attempt to predict the future.

It attempts to remain stable while uncertainty continues to exist.



3. Layer One: Economic Structure

China and the United States occupy different positions within the global economic system.

China operates primarily as a manufacturing and production-oriented system.

The United States operates primarily as a consumption and reserve-currency system.

One system generates surplus production.

The other absorbs a significant portion of that surplus.

This creates a structural dependency that can simultaneously produce cooperation and friction.

The relationship may fluctuate, but the underlying tension remains embedded within the architecture.



4. Layer Two: Technological Control

Technology is no longer merely a commercial tool.

Semiconductors, artificial intelligence, advanced manufacturing, and critical supply chains have become strategic infrastructure.

Control over these systems increasingly influences economic competitiveness, national resilience, and future development pathways.

As a result, technology has become a structural control node rather than a neutral resource.



5. Layer Three: Political Logic

The two systems operate under different decision-making frameworks.

China tends to emphasize long-term planning horizons.

The United States often operates within shorter electoral cycles.

Neither approach is inherently right or wrong.

However, differing time horizons naturally create policy misalignment and strategic friction.



6. Layer Four: Security Feedback Loops

A key characteristic of complex systems is feedback.

Actions intended as defensive measures by one side are often interpreted as offensive actions by the other.

This creates a self-reinforcing loop:

Security measures generate suspicion.

Suspicion generates countermeasures.

Countermeasures generate further security concerns.

The system does not require hostility to generate tension.

The feedback loop itself is sufficient.



7. Why Structural Tension Is Persistent

Eliminating tension completely would require simultaneous changes in multiple layers:

  • Economic restructuring

  • Technological realignment

  • Political convergence

  • Strategic trust

Such conditions are difficult to achieve at the same time.

Therefore, temporary stability is possible.

Permanent alignment is unlikely.

Structural tension remains part of the operating environment.



8. CYSM Response: Designing Stability Instead of Predicting Outcomes

My personal response is not based on predicting geopolitical winners or losers.

Instead, it is based on a simple CYSM principle:

Survival must be designed.

If long-term uncertainty is likely to persist, then system stability becomes more important than prediction accuracy.

Rather than attempting to forecast every future event, I focus on reducing concentration risk and increasing resilience within my own life system.

The objective is not certainty.

The objective is stability.



9. The Principle of Buffer Layers

CYSM does not attempt to eliminate uncertainty.

Uncertainty is a permanent feature of reality.

Instead, CYSM emphasizes the construction of buffer layers:

  • Capital buffers

  • Health buffers

  • Time buffers

  • Psychological buffers

Buffer layers absorb shocks before they accumulate into system failure.

The goal is not to avoid every disturbance.

The goal is to prevent disturbances from becoming structural failures.



10. Final Thought

A system does not need to collapse to generate tension.

It only needs to remain structurally misaligned.

Likewise, a person does not need perfect certainty to live well.

He only needs sufficient stability to continue operating while uncertainty persists.

This is the central idea behind CYSM:

Performance can be pursued.

Survival must be designed.

And when survival is properly designed, stability becomes the foundation upon which freedom can emerge.

The previous diagram illustrates structural tension at the national level, while the following one shows how a personal system absorbs uncertainty through buffer layers. Together, they form CYSM’s cross-domain logic: external misalignment does not need elimination—it only needs stable absorption.


The dual-layer diagram illustrates how persistent structural misalignment at the global level can be absorbed through personal buffer zones, ensuring stability even when uncertainty remains.


Images above generated by ChatGPT and Microsoft Copilot respectively

This article was rewritten in CYSM system logic cognitive language on June 11, 2026, with ChatGPT and Microsoft Copilot as the writing assistant.

想看这篇博客的小红书版本,请阅读 “中美不是谁变了,而是结构性关系变了