My Investment Strategy
for 2026. A lot has changed.

Two years since my last investment strategy update. A lot has changed - not just in the markets, but in how I think about managing a large portfolio. When I did the last one, I was still grinding towards a big milestone. Now that I have hit it, the priorities look different.

Three things shifted in my strategy this year. And honestly, one of them surprised even me when I sat down to think about it properly.

Why I stopped adding to S&P 500

For years my thesis was simple. Focused fired on the US. Dollar cost averaging into SPYL, the S&P 500 ETF on the London Stock Exchange. By the time I hit seven figures, it was comfortably my largest holding.

But when you zoom out and look at your total financial picture - not just your brokerage account, but CPF, SRS, everything stacked together - the US starts to look very different. I am not going to spell it out here because I walk through the exact numbers in the video and I think seeing it laid out visually makes it land much harder.

The point is not that the US is a bad bet. I am still bullish on US companies. The point is that there is a specific kind of risk that only becomes visible once your portfolio crosses a certain threshold. If you are earlier in the journey you probably do not need to worry about this yet. But if you are getting close to or past seven figures, this is worth thinking about carefully.

The switch to a global index

Moving to an all-country world ETF felt like the natural answer. Developed and emerging markets. 2,700 plus companies across 49 countries. The Mag Seven are still in the top holdings - so you are not giving up US exposure entirely - but no single name exceeds 5% weight. That is a very different risk profile from a concentrated S&P 500 fund where the top ten names can run 30% or more.

The ETF I chose is accumulating and UCITS-structured, which matters for two reasons Singaporeans should care about. One is the dividend withholding tax treatment. The other is estate tax exposure. I cover both in the video along with the exact ticker, which exchange it trades on, and what I pay in commission per trade.

The expense ratio is 0.12%. If you have been looking at VWRA which charges 0.19%, this is worth knowing about. Small differences in fees compound significantly over a long horizon.

Why I started buying gold. And why the reason might not be what you think.

Gold briefly touched USD 5,000 per ounce around the time of recording. Silver crossed USD 100. Most people see those numbers and think - okay, these guys are buying because they expect prices to keep going up.

That is not my reason at all.

I actually think gold is a poor investment in the conventional sense. It does not produce earnings. It does not pay dividends. One ounce of gold now is one ounce of gold forever. So then why am I accumulating it?

The answer has everything to do with what is happening to the currency you are holding your wealth in - and what central banks globally have been quietly doing at scale for the past few years. When you see the data on that, the logic becomes hard to ignore. I walk through it in the video.

Silver is a different story and deserves its own explanation. It has something gold does not - real industrial demand from industries that are growing fast. But before you go and buy either one, there is a specific metric you need to understand first. Most retail investors skip this. I cover it in the video and I think it is one of the more underappreciated concepts in precious metal investing.

For Singaporeans, there are also practical questions around how to actually access both. Physical bullion versus ETF. LSE-listed versus US-listed. The estate tax implications depending on which route you take. All of that is in the video.

The bigger picture for 2026

After reaching seven figures, I noticed something shift in how I think about investing. Early in the journey it is almost entirely about accumulation - grow the number, compound the returns, stay the course. But once you get past a certain point, resilience starts to matter as much as growth. Can this portfolio hold up across different scenarios? Am I exposed to risks I have not properly accounted for?

Global diversification. Precious metals as insurance. Cash held for dips and corrections. DCA twice monthly and do not touch anything else. That is the 2026 plan.

And the most important part - do not spend all your time watching charts. I invest passively because I want to be active in my active income. Every hour spent staring at markets is an hour not spent building something that compounds faster. There is a version of financial freedom that looks like obsessing over your portfolio every day. I am not interested in that version.

Full allocation breakdown, exact ETF tickers, broker setup and DCA schedule - all in the video above. Worth the watch.