As the year comes to a close, it’s the ideal time to review your personal finances, rebalance your investment portfolios, and strengthen passive income streams. From optimising CPF and SRS contributions to building diversified portfolios, income strategies, and emergency funds, this year-end financial check-up helps you reset your money strategy and start the new year on stronger financial footing. Year-end is one of the few moments in the year where reflection and practicality meet. Your income for the year is largely known, bonuses are being discussed, CPF and SRS deadlines are approaching, and market movements have revealed which parts of your portfolio are doing the heavy lifting—and which aren’t. Rather than reacting to short-term market noise, a year-end review allows you to take a step back and ask a more important question: Is my money structured in a way that supports the life I want in the years ahead?...