SGD Gross Assets
S$5.00M
Before CIMB financing · corrected 3 Aug
CIMB Financing
S$775K
LUXE + Singlife facilities
SGD Net (known)
S$4.22M
+ CPF S$379K + MY S$457K + POEMS S$1.96M
USD Assets
USD1211K
≈ S$1.55M at 1.2822
Annual Passive Income
S$83K
Bonds + insurance carry
Monthly Passive (avg)
S$6,902
SGD equivalent
⚠ Material correction, 3 Aug 2026: the SGD Net figure above was previously understated by roughly S$1.79M. "POEMS S$174K" had only ever captured the Cash Plus/money-market sleeve of account 1052959 — the S$1,789,246 bond portfolio held in the same account was never rolled into gross assets or net worth on this page. Fixed now; see Singapore and Bonds pages for the detail. Note: Projections and 150K Passive Income pages may still be built on the old, understated net worth figure and haven't been re-run against this correction yet.
Summary (corrected 3 Aug 2026): SGD gross assets S$5,000K (incl. POEMS 1052959 true total S$1,964K — bond sub-portfolio S$1,789K + Cash Plus S$175K, confirmed 3 Aug 2026) less CIMB financing S$775K = S$4,225K, plus Malaysia total S$457K (EPF S$241K + HLB FDs S$176K + HLB Bank S$39K, confirmed 19 Jun 2026, see Malaysia page) = net S$4,682K. USD assets USD1,211K (includes 401k retirement capital). CPF S$379,042 confirmed. Property still pending. Cashflow shortfall year and depletion projections below are not yet re-run against this corrected net worth — treat those as stale until refreshed. Also flagging: the pre-correction version of this page had its own internal inconsistency independent of the POEMS error — its stated "net S$2,716K" didn't actually match its own component sum (S$2,434K + S$457K = S$2,891K, not S$2,716K). I've recomputed cleanly above by swapping only the POEMS figure into the same structure, but a full bottom-up audit of every line item (NTUC, Singlife net equity, any other SG assets) is worth doing rather than trusting this patch as a complete reconciliation.
⚠ PRIORITY ACTION
S$239,530 SITTING IDLE — DEPLOY NOW
IBKR USD cash S$144,024 + Schwab S$95,506 = S$239,530 is earning near-zero return right now.
At 5% yield (matching your existing bond portfolio average), deploying IBKR idle cash in full adds +S$7,200/yr more — combined with USD74,880 already deployed, Phase 1 gap narrows to ~S$12,403/yr remaining, with no new risk category introduced.
Suggested sequence:
① This week: Deploy IBKR idle USD50K into SGD bond or 6-month T-bill → +S$2,550–3,183/yr immediately
② August 2026: RM350K HLB FDs mature — convert RM150K to SGD, deploy into bonds → +S$3,077/yr
③ After Sep premium paid: Deploy remaining IBKR + Schwab balance → closes Phase 1 fully
Secondary: MYR bank cash S$38,761 earning savings rate — consolidate into HLB FDs at 3.65% when Aug FDs mature.
Full plan: 150K Passive Income page
At 5% yield (matching your existing bond portfolio average), deploying IBKR idle cash in full adds +S$7,200/yr more — combined with USD74,880 already deployed, Phase 1 gap narrows to ~S$12,403/yr remaining, with no new risk category introduced.
Suggested sequence:
① This week: Deploy IBKR idle USD50K into SGD bond or 6-month T-bill → +S$2,550–3,183/yr immediately
② August 2026: RM350K HLB FDs mature — convert RM150K to SGD, deploy into bonds → +S$3,077/yr
③ After Sep premium paid: Deploy remaining IBKR + Schwab balance → closes Phase 1 fully
Secondary: MYR bank cash S$38,761 earning savings rate — consolidate into HLB FDs at 3.65% when Aug FDs mature.
Full plan: 150K Passive Income page
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