SGD Gross Assets
S$3.03M
Before CIMB financing
CIMB Financing
S$775K
LUXE + Singlife facilities
SGD Net (known)
S$2.72M
+ CPF S$379K + MY S$457K confirmed
USD Assets
USD1211K
≈ S$1.54M at 1.2752
Annual Passive Income
S$83K
Bonds + insurance carry
Monthly Passive (avg)
S$6,902
SGD equivalent
Summary (19 Jun 2026): SGD gross assets S$3,035K less CIMB financing S$775K = S$2,259K, plus Malaysia total S$457K (EPF S$241K + HLB FDs S$176K + HLB Bank S$39K, all confirmed 19 Jun 2026, see Malaysia page) = net S$2,716K. USD assets USD1,211K (includes 401k retirement capital). CPF S$379,042 confirmed. Property still pending. First cashflow shortfall: 2031. Wealth does not deplete by 2066 under base case.
Cash deployment opportunity (S$284,440 total idle cash):
IBKR USD idle S$144,024 + Schwab S$95,506 = S$239,530 deployable USD earning little to nothing.
At 5% yield (matching existing bond portfolio), deploying this in full adds +S$11,977/yr passive income — closing 70% of the Phase 1 gap to S$100K in one move.
MYR bank cash S$38,761 is a secondary opportunity: consolidate into HLB FDs at 3.65% when Aug RM350K matures.
See 150K Passive Income page for the full deployment sequence.
Asset Allocation by Class (SGD Equivalent)
Insurance split by liquidity · Cash split by deployability · USD at 1.2752 · Singlife provisional
Geographic Split
Malaysia confirmed 18 Jun 2026
Annual Passive Income by Source
SGD equivalent