My net worth stagnates at S$1.72 million in November 2024 despite savings from salary, CPF contributions and dividends collected. The gains in S-Reits over the past weeks have been wiped out by the inflationary fears and sustained high interest rate environment arising from Donald Trump's success at the US presidential election Net Worth Breakdown: Safe Heavens (62%) CPF (36%): As the major constituent of my wealth, it is the foundation of my retirement savings. Attaining Full Retirement Sum FRS in 2022 was a significant milestone. Cash and war chest (16%): My liquid assets are strategically invested in fixed deposits and Fullerton cash funds, earning around 2.8% p.a. This provides a cushion for unexpected expenses while generating steady returns. Bonds (10%): A balanced portfolio of low-risk Singapore Savings Bonds and Astrea Bond ensures stability. I have maxed out my SSB individual limit of $200k in Aug, right before the yield of SSB falls below 3%. Retirement Savings (13%) SRS (8%): This provides an...