My net worth stagnates at S$1.587m as my Reits-heavy investment portfolios took a beating due to market expectation of prolonged high interest rate environment.

CPF still forms the bulk 37% of my net worth. I have already achieved full retirement sum (FRS) in CPF SA.

Cash and war chest constitute 16% of my wealth. My cash is being stashed away in bank fixed deposits yielding more than 3% p.a., in Fullerton cash funds under custody of Moomoo and Tiger Broker, and in Money Market Funds held by Phillips Capital yielding more than 3.5% p.a. with interest paid daily.

My bonds consist of Singapore Savings Bonds ($140k) and Astrea 7A PE bond ($9k) which are low-risk bonds contributing to 10% of my wealth. 

CPF, cash and war chest, and bonds amount to 63% of my net worth as relatively safe assets. 

In recent weeks, I have completed the $15.3k annual contribution limit to my