My net worth rockets by $50k to over S$1.55m in Dec 2023, achieving a new record high! This massive increase is due to savings from Dec salary, annual wage supplement (13th month bonus), CPF contributions, collection of dividends, and strong recovery of the Reits' paper values in my investment portfolios after more certainty in interest rates direction. I have been saving frugally, reducing expenses and conserving capital for purchase of Singapore Savings Bonds in the past few months. CPF forms the bulk 36% of my net worth. I have already achieved full retirement sum (FRS) in CPF SA and topped up my Medisave account to the basic healthcare sum  (BHS) of $68.5k early this year. The FRS will be increased to $205,800 and BHS will be increased to $71,500 for 2024. Cash and war chest constitute 18% of my wealth. In the current high rate environment, my cash is being stashed away in bank fixed deposits yielding more than 3% p.a., in Fullerton cash funds...