I'm inspired by Derek when he shared his asset portfolio here. Like him, I'm not going to include the asset value of my residential property, nor my CPF or insurance surrender value. No point including property, as it easily overshadow all the other assets, distorting the percentage. Besides, I don't really see my residential property as an asset. Personally I would include the surrender value of my insurance, or decided to keep it as consistently as possible to Derek's definitions. Shares/bonds This includes the marked to market value of the shares held since the beginning of Jan 2015. Includes all the SGX shares, US and HK portfolio War chest I'm almost 50% cash. Some of this are locked in fixed deposit, and none of my warchest comes from CPF. But my war chest is fluid. Every month, it'll increase by a few k and decrease by a few k when ......