US assets: 401k USD560K (ring-fenced) · IBKR SG USD368K (redeployment candidate) · Schwab USD75K · Wells Fargo USD159,830.79 net (added 17 Jul 2026) · Social Security USD31K/yr from 2034.
⚠ Pre-existing discrepancy, not caused by today's addition: this page's prior total (USD1,211K) does not reconcile with its own listed components at the time — 401k 560K + IBKR SG 368K + Schwab 75K = USD1,003K, a gap of ~USD208K with no visible source on this page. Flagging rather than silently absorbing Wells Fargo into a corrected grand total — the USD1,211K figure needs its own reconciliation pass before any new total is trusted.
Wells Fargo (Teik-Kheong)
Confirmed via Wells Fargo app screenshots · 17 Jul 2026, 23:06–23:07 SGT (11:06–11:07 AM ET)
Cash Accounts (4)
USD 97,567.21
≈ S$124,417.71
WellsTrade IRA ...6920
USD 63,905.84
≈ S$81,492.73 · Wells Fargo Clearing Services LLC
Credit outstanding
−USD 1,642.26
≈ −S$2,094.21
| Account | Balance (USD) |
|---|---|
| Jess-TK Checking ...2915 | 34,143.65 |
| Jess-TK Savings 2 ...1098 | 62,799.04 |
| WAY2SAVE Savings ...3914 | 295.24 |
| WAY2SAVE Savings ...2584 | 329.28 |
| WellsTrade IRA ...6920 (Wells Fargo Clearing Services) | 63,905.84 |
| Credit card outstanding | −1,642.26 |
Net Wells Fargo position: USD 159,830.79 ≈ S$203,816.22 (at page rate 1 USD = 1.2752 SGD). WellsTrade IRA holdings breakdown (individual securities within the $63,905.84) not yet pulled — only the account total was visible on the screenshots provided.
WellsTrade IRA ...6920 — Idle Cash Fix
Diagnosed 17 Jul 2026 · confirmed via Wells Fargo Advisors Q2 2026 statement (Apr 1–Jun 30, 2026), account 5340-6920
Confirmed 17 Jul 2026 (official statement, not inferred): Account type = Traditional IRA ("WFCS CUSTODIAN TRAD IRA," Tax status: Retirement). Sweep option = Bank Deposit Sweep, 0.100% APYE, Q2 2026 interest = $15.93 (Apr–Jun), estimated annual income $64.00 on $63,903.04. No RMD until age 73 (Prof is 62, per confirmed CPF payout timeline elsewhere on this dashboard) — not urgent. Withdrawals fully taxable as ordinary income when eventually taken; may also trigger US non-resident withholding given Prof's Singapore residency — a question for whenever a distribution is actually planned, not now.
✅ EXECUTED 17 Jul 2026, 12:14 PM ET:
- Bought FGTXX (Goldman Sachs FS Government Fd Class I) — $63,900.00, Reference #26198051600, $0 commission, Reinvest Dividends elected. Remaining $5.84 stays in Bank Deposit Sweep.
- Diagnosis fully confirmed against official Q2 2026 statement: was 0.100% APYE, Bank Deposit Sweep, Wells Fargo Bank N.A. (FDIC cert 3511).
- Note: FGTXX is technically the Institutional share class (normally $10M minimum) but confirmed accessible in this account via the WellsTrade fund screener's "Available in My Account" filter — broker-negotiated access, not a public retail minimum.
Expected uplift: ~USD 2,910/yr (~S$3,711/yr at page rate 1.2752), pending confirmation of FGTXX's actual net yield to this account (last seen: 52-week range 3.26%–4.20%, NAV $1.00). vs. USD 64/yr on the prior 0.10% sweep rate. Adds directly to the SGD 100–150K/yr 2032 passive income target, alongside the SRS SSB/Amundi plan on singapore.html.
Full content available — see Global and Cash Flow for all charts. This page is being populated.