My net worth rises to S$1.83 million after CPF contributions, dividends, savings from salary and due to recovery of S-Reits investments. Net Worth Breakdown: Safe Heavens (63%) CPF (36%): CPF is the bedrock of my retirement savings and constitutes the bulk of my wealth. I am comfortable with letting the funds in CPF idle and have no plan to invest them. Earlier, I have shared the 8 key changes to CPF in 2025. Cash and war chest (17%): Liquid reserves strategically stashed in fixed deposits and Fullerton cash funds, earning around 3% p.a. This financial cushion provides me with a peace of mind and security for unexpected expenses or investment opportunities. 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 2024, just before the interest rates declined. Retirement Savings (15%) SRS (11%): This tax-deferred savings account provides an additional layer of retirement savings. I have started...