1Primary Objective: Build a Passive-Income Machine
This dashboard is organised around sustainable passive income, cash-flow visibility, strategic redeployment of idle capital, currency exposure, and family handoff readiness.
Global Magic Number — Current Known Dashboard State
Each number below is clickable and links to the audit breakdown.
SGD known assets before linked financing
SGD 3,034,654.70
Now includes provisional Singlife policy value.
SGD known net after linked financing
SGD 2,259,285.70
Deducts both CIMB linked facilities; Singlife value provisional.
USD known assets
USD 1,211,145.93
Now includes 401(k), Schwab, and IBKR SG USD exposure.
MYR known assets
Pending
Malaysia layer still awaiting EPF/KWSP, bank, FD and property data.
SGD consolidated equivalent
FX pending
Will be enabled only after formal FX rule is defined.
Known annual passive income captured
SGD 69,055.56
USD 10,796.00
USD 10,796.00
IBKR YTD realised income added separately; not annualised yet.
New Singlife / CIMB Evidence Reconciliation
| Item | Amount | Dashboard treatment |
|---|---|---|
| Singlife Flexi Life Income II policy 82793277 | SGD 625,487.00 provisional value | Included as provisional policy asset based on Singlife document evidence; current surrender/portal value still needed. |
| CIMB facility linked to Singlife | SGD 475,369.00 | Deducted as linked premium financing because the application form states premium financing with CIMB loan 475370. |
| CIMB facility linked to NTUC Income LUXE SOLITAIRE | SGD 300,000.00 | Deducted as existing LUXE-linked financing. |
| Total visible CIMB linked financing | SGD 775,369.00 | Used in revised SGD net-after-linked-financing number. |
This is an evidence-backed dashboard-state update, not a final audited net-worth figure.
New U.S. / Brokerage Consolidation
| Account / sleeve | Type | Amount | Passive-income treatment |
|---|---|---|---|
| Principal / GCT Semiconductor 401(k) | U.S. retirement capital | USD 167,829.04 | Include in assets; exclude from current spendable passive income. |
| Fidelity / NXP 401(k) | U.S. retirement capital | USD 392,137.16 | Include in assets; exclude from current spendable passive income. |
| Charles Schwab U.S. brokerage | Tax-sensitive U.S. taxable brokerage | USD 74,894.56 | Low/no activity YTD; exclude income unless actual dividends/interest are confirmed. |
| IBKR Singapore - U.S.-listed equities | Singapore custody / USD equity exposure | USD 255,000.50 | Unrealised gains are performance, not passive income. |
| IBKR Singapore - USD cash | Income-generating cash / redeployment candidate | USD 112,941.85 | YTD credit interest confirmed in IBKR statement; not annualised yet. |
IBKR Confirmed YTD Income
| Item | Amount |
|---|---|
| Credit interest | SGD 1,747.62 |
| Dividends before withholding | SGD 239.48 |
| U.S. withholding tax | SGD -71.84 |
| After withholding / before platform fees | SGD 1,915.24 |
| After platform/data fees and taxes | SGD 1,851.88 |
This is realised YTD history from the IBKR CSV, not an annual passive-income projection.
Redeployment Watchlist
- Schwab U.S. brokerage: tax-sensitive, low/no activity; future passive-income redeployment candidate.
- IBKR USD cash: large cash balance; currently produces credit interest but should be reviewed against liquidity, tax, currency and risk.
- IBKR NVDA concentration: valuable unrealised gain, but not passive income and may require risk review before any action.
- 401(k) assets: future retirement-income conversion assets, not current spendable income.
Retirement Runway Model Added
The dashboard now includes a yearly 2027-2066 runway model comparing passive income, expenses, annual surplus/shortfall, income coverage ratio, and projected wealth balance.
| Assumption | Value |
|---|---|
| 2027 annual expenses | SGD 50,103.23 |
| Expense inflation | 3% per year |
| Planning FX for runway only | USD/SGD 1.35 |
| Retirement accounts and policy cash values | Included in depletion analysis |