Portfolio Update December 2025

Happy New Year. Here is a portfolio update for Dec 2025.

My SGX Income Portfolio value increases to $459k from $441k mainly due to resurgence of S-Reits from lower interest rates and capital injection for increased investment in Mapletree Industrial Trust.

My US Growth Portfolio rises to US$43.8k from US$37.5k due to capital injections for nibbling of tech stocks from my efforts to build up the growth portfolio.

My SRS Ultra Long-Term Portfolio value rises to $246k from $240k mainly due to the resilience of local banks such as OCBC and DBS.

Portfolio Actions

1. Bought 7 shares of MSFT at $475.68

2. Bought 10 shares of AMZN at $226.50

3. Bought 4 shares of NVDA at $177.10

4. Bought 5,000 shares of Mapletree Industrial Trust at $2.02

Portfolio Dividends

1. Received $492.00 of dividends from SSB on 1 Dec.

2. Received $402.00 of dividends from MPACT on 4 Dec.

3. Received $667.80 of dividends from Mapletree Industrial Trust on 10 Dec.

4. Received $397.11 of dividends from Mapletree Log Trust on 16 Dec.

5. Received $885.00 of dividends from Frasers L&C Trust on 23 Dec.

6. Received $854.00 of dividends from Aims Apac Reit on 24 Dec.

Looking Ahead: My Strategy for 2026

As we closed out 2025, my "Barbell" approach remains the cornerstone of my financial plan. While the portfolios have shown resilience, the focus for the coming year will shift toward optimization and balance.

1. Aggressive Growth in the US Portfolio My US Growth portfolio is still in its "building phase." In 2026, I intend to continue systematic capital injections into high-conviction names like NVIDIA, Amazon, and Microsoft. My goal is to let the "Magnificent" tech drivers provide the capital appreciation that complements my steady SGX dividends.

2. Defending the Income Fortress With the SGX Income portfolio sitting at over $400k, the focus here is less about aggressive buying and more about yield maintenance. I will be monitoring interest rate trends closely—if rates stabilize or dip, I expect my heavy weighting in REITs (Mapletree, Frasers, Aims Apac) to see a healthy valuation recovery.

3. The SRS "Compounder" The local banks (DBS and OCBC) have been the MVPs of my SRS portfolio this year. For 2026, I will likely keep this portfolio on "autopilot," allowing the dividends to be reinvested back into the STI’s strongest blue chips.

Final Thoughts: Investing is a marathon, not a sprint. Whether the market is up or down in 2026, my plan remains the same: stay invested, collect dividends, and buy quality on the dips.

SGX Income Portfolio

Portfolio Value = $459k

US Growth Portfolio

Moomoo

Tiger Broker

Syfe Trade

Portfolio Value = US$43.8k

SRS Ultra Long-Term Portfolio

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 and peace, 

Qiongster

Free Money Dropped from Heaven!!!

  

Happy New Year 2026!

I am happy to wake up in a fresh year knowing that interests earned in 2025 have been credited to my CPF accounts today. 

As the CPF website is on maintenance from 12am to 8am today, the first thing I did after waking up is to check my CPF balances.

Pleased to receive more than $22k of free money!

Another important step in the journey towards financial freedom and retirement.

Even though CPF monies do not seem to be like real monies, I believe they are still illiquid monies that can be used to fund our retirement in our late lives, purchase properties, pay for education fees of children and pay medical bills or insurance.

Here are my CPF interests for 2025:

In total, I received $22,003.25

This is an 7.5% increase from $20,459.49 for 2024.

CPF OA funds can be used to purchase properties or pay for monthly mortgages. Excess above the full retirement sum can be withdrawn at age 55. Hence I believe that CPF monies are still our monies.

The interest of $2.9k earned from Medisave account can easily cover the premiums for Careshield life and Medishield life. In a way, it is possible to enjoy free insurance by using passive income from CPF savings to cover the insurance premiums. This can be achieved if we bother to top up our own medisave account and strive to hit the maximum Basic Healthcare Sum limit of $79k in 2026 to let the 4% interest rate do its compounding work. 

I am certainly satisfied with this source of passive income which certainly boosts my CPF total and net worth on the first day of a brand new year.

Disclaimer: This article is for informational purposes only and does not constitute financial advice. Investment decisions should be made based on individual circumstances and after careful consideration of risks and potential rewards.

Thanks for reading!

With love & peace,

Qiongster