SGD Gross Assets
S$3.21M
Before CIMB financing
CIMB Financing
S$775K
LUXE + Singlife facilities
SGD Net (known)
S$2.89M
+ CPF S$379K + MY S$457K + POEMS S$174K
USD Assets
USD1211K
≈ S$1.54M at 1.2752
Annual Passive Income
S$83K
Bonds + insurance carry
Monthly Passive (avg)
S$6,902
SGD equivalent
Summary (19 Jun 2026): SGD gross assets S$3,209K (incl. POEMS 1052959 S$174K confirmed 19 Jun) less CIMB financing S$775K = S$2,434K, plus Malaysia total S$457K (EPF S$241K + HLB FDs S$176K + HLB Bank S$39K, all confirmed 19 Jun 2026, see Malaysia page) = net S$2,716K. USD assets USD1,211K (includes 401k retirement capital). CPF S$379,042 confirmed. Property still pending. First cashflow shortfall: 2031. Wealth does not deplete by 2066 under base case.
⚠ 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 this in full generates +S$11,977/yr of new passive income — closing 70% of the gap to S$100K in a single move, 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 this in full generates +S$11,977/yr of new passive income — closing 70% of the gap to S$100K in a single move, 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