Net Worth Update Mar 2026 | SGD 2.2m New Milestone!

  

April 2026 delivered a plot twist. Markets were bracing for Armageddon from Trump's Liberation Day tariffs, retaliatory volleys from China, oil spiking, recession whispers getting louder. 

And then? A ceasefire in the Middle East. A tariff pause. And just like that, risk-on was back with a vengeance. Stocks rocketed like nobody business as if the war never happened.

My net worth hits a new record high of SGD 2.2m in April 2026, a jump of ~$70k or 3.3% from last month. A milestone worth marking.

The engine this month: S-REITs roaring back as rate cut expectations firmed up, US tech compounders (AMZN, MSFT, NVDA) staging a sharp recovery on the peace dividend and tariff relief, and steady salary savings and CPF contributions doing their quiet, unglamorous work in the background.

Sometimes the best move is to stay the course and let the market do the heavy lifting.

My net worth breakdown is as follows:

Safe Havens (58%)

CPF (33%): Bedrock of my retirement savings, compounding quietly at guaranteed rates like a low hanging fruit tree.

Cash and war chest (16%): Liquid reserves in fixed deposits and Fullerton cash funds earning around 1% p.a. — boring by design, reassuring by function. Dry powder ready for future opportunities.

Bonds (9%): Singapore Savings Bonds and Astrea PE Bonds continue to anchor the portfolio. Steady, predictable, uneventful exactly what bonds are supposed to be.

Retirement Savings and Protection (16%)

SRS (12%): Tax-deferred savings engine, diversified across SSBs, local stocks, Amundi Prime USA fund and money market fund. Quietly accumulating.

Insurance (4%): Prudential whole life and savings plans on track for a 6-digit payout post-retirement. Protection that costs money today for future peace of mind.

Equities (26%)

Stocks and REITs (26%): The star performer this month. S-REITs bounced hard as fears of prolonged high rates eased — industrial, retail and commercial REITs all catching a bid. This is the asset class that requires the most nerve to hold through volatility, and the one that rewards you most when you don't flinch.

US growth tech continues to be built out steadily — AMZN, MSFT and NVDA all recovered sharply as the macro fog lifted. Cash-secured put options continue to generate premiums, either banking income or acquiring positions at a discount. The strategy remains unchanged: disciplined, systematic, unemotional.

Conclusion

SGD 2.2m. New record. But honestly, the number matters less than what it represents. The accumulation of choices made consistently over years: saving aggressively, investing patiently, not panicking when headlines screamed sell.

Net worth is not about the milestone. It is about the optionality that comes with it — the quiet innate confidence that walks into Monday morning knowing you do not need to be here. That you are here by choice.

Cashflow is power. Every REIT distribution, every options premium collected, every CPF credit added to the pile is a vote for a future where your time belongs to you. Not your employer. Not the market. You.

Financial independence is not a destination. It is a posture of the way you carry yourself when you know that no single job, no single market correction, no single piece of bad news has the power to derail the plan. SGD 2.2m is a number. The mindset behind it is the real asset.

If an ordinary salaried worker in Singapore can get here, so can 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.

With love & peace,

Qiongster