CPF · Retirement
CPF Full Retirement Sum 2026. Four years on.
My real balances, 2026 interest forecast, the VCMA window, and whether I regret hitting FRS early.
Investing · ETF · Portfolio Strategy
My Investment Strategy for 2026. A lot has changed.
I stopped adding to S&P 500, shifted to ACWD for global diversification, and started building a precious metals position. Here is the full breakdown.
Credit Cards · Cashback · Strategy
My 2026 Credit Card Strategy Just Changed
Nerfs, tactical shifts, and the spending trap most people fall into. Maybank F&F, DBS yuu, and what I am doing differently this year.
CPF · Retirement · Tax Optimisation
My CPF Strategy for 2026. And Why You Should Have One Too.
BHS up to $79K, FRS at $220,400, and a new salary ceiling. The full playbook — including what changed for me personally this year.
Net Worth · F.I.R.E. · Ikigai
I Set a USD 1 Million Goal at 30. I Hit It at 34.
I announced the goal before I was sure I could do it. A year later the portfolio was deep in the red. This is the honest version of what happened.