My net worth hits SGD 2.14m in February 2026, slight increase of $10k or 0.5% from last month.
My savings from salary income and CPF contributions are offset by some paper losses from US stock options and the growth tech portfolio.
My net worth breakdown is as follows:
Safe Heavens (58%)
CPF (34%): bulk and foundation of my retirement savings.
Cash and war chest (15%): Liquid reserves strategically stashed in fixed deposits and Fullerton cash funds earning around 1% p.a. provide peace of mind and security for unexpected expenses or investment opportunities. Deployed some cash from money market funds into tech stocks this month.
Bonds (9%): A balanced portfolio of low-risk Singapore Savings Bonds and Astrea PE Bonds ensures stability and provides steady source of passive income.
Retirement Savings and Protection (16%)
SRS (12%): A tax-deferred engine for supplementary retirement savings, diversified across $30k of SSB, local stocks, Amundi Prime USA fund and money market fund.
Insurance (4%): A Prudential whole life insurance plan and other savings plans will provide me with 6-digit lump sum payout after my retirement while offering continual protection for peace of mind.
Equities (26%)
Stocks and Reits (25%): A real estate-focused portfolio of stocks and Reits provides long-term dividend income and stability. This financial asset class is riskier, more volatile and sensitive to interest rates but offers me the opportunity to indirectly own diversified portfolios of industrial, retail and commercial properties locally, and around the world for consistent passive income.
I am also currently building up a US growth stock portfolio to include the likes of tech compounders such as AMZN, MSFT and NVDA while also actively selling cash-secured put options to collect premiums, a strategy aimed at either generating income or acquiring desired assets at a discount.
Net worth is not about accumulating wealth. Having more wealth is about reclaiming control, giving us control over our time, our choices, and the design of our lives. It creates the ultimate flexibility and power to choose to work if we want to, to pursue passions full-time.
Cashflow grants us the ultimate leverage moving forward: the freedom to adopt a truly carefree—and where necessary, 'f* you'—attitude in the workplace. This journey is a deliberate investment in security and a growing buffer against life's unpredictability.
Financial independence is not an end; it is the power to design a life we do not need a vacation from, with the space to breathe, to live, and to thrive. If a nobody like me can do it, so can all of you.
Disclaimer: This article is for informational purposes only and does not constitute financial advice. It's crucial to conduct your own research or consult with a qualified financial advisor before making any investment decisions.
Thanks for reading.
