A quick show on investment returns supporting cash flow compare to asset invested. Each set of matching colour between the 2 charts for comparison. Left is Asset allocated. Right is the corresponding cash flow returns from it. Rental Income is the net after interests portion of the monthly loan and maintenance fee. Further 20% cut on rent to be conservative. It is an expansionist for my cash flow though not much as Equity. View it as much lower risk even though on leverage and potential capital gain. Retirement and Insurance segment includes CPF. Keep in me this is paper exercise as I won't be withdrawing my CPF OA/SA after 55. And the monthly amount in RA will only happens after 65. Dividends are basically from Equity. Do note some stock don't give dividends therefore reflect weaker cash flow. Itself tells a story on how we want to plan it between growth and dividend....