​​​​My Investment Portfolio

Investment philosophy

When I started this journey, my investment philosophy has always been to exert little effort in managing my investment portfolio while generating the maximum amount of gains possible. Learning from fellow investors in the personal finance community, I have been able to broaden my perspectives about both financial and retirement planning.

From those learnings and insights, I have decided to split my investments into a few different portfolios in an intentional manner. On their own, they have their individual investment objectives and purpose which allows me to have different levels of volatility, growth and yields.

When I combine all the investment portfolios, they become a purposefully ochestrated retirement portfolio that looks something like this.

Overall portfolio allocation

Here's what my current investment portfolio allocation looks like.

As you can see, some of the portfolios like my dividend portfolio and fixed deposits are intentionally kept small because I am more focused on capital gains instead of dividend yields. I consider them more like a starter kit at the moment.

The investment property is taking up a bigger chunk of the overall portfolio allocation right now, simply because it requires a certain amount of capital to partake in the real estate game. Ideally, I expect to see this allocation drop to around 10% or less in the next few years.

Growth Portfolio

  • Objective:
    • Invest in assets to generate long term accumulation of wealth consistently >6% with moderate volatility each year.
    • Higher risk and volatility.
  • Purpose:
    • To fund a portion of my retirement expenses by selling off a portion of the portfolio each year.
  • Target Allocation:
    • 80% in AutoWealth with 80/20 split between equities and bonds.
    • 20% in a portfolio of selected stocks with a primary focus on capital gains.


Average Price


Vanguard Total Stock Market Index Fund ETF



Vanguard European Stock Index Fund ETF



Vanguard FTSE Pacific Fund ETF



Vanguard Emerging Markets Stock Index Fund ETF



iShares 7-10 Year Treasury Bond ETF



SPDR Bloomberg Barclays International Treasury Bond ETF



Vanguard FTSE All-World UCITS ETF USD Distributing



Apple Inc



General Electric






Sea Limited



The Walt Disney Company



Twitter Inc



Updated as of July 2021

Dividend Portfolio

  • Objective:
    • Generate >5% dividend yields yearly which will be reinvested into the portfolio until retirement age is reached.
    • Low growth but almost guaranteed yields.
  • Purpose:
    • To fund a portion of my retirement expenses with dividend yields received each year.
  • Target Allocation:
    • 100% in a portfolio of selected stocks with a primary focus on >5% dividend yields.


Average Price

Dividend Yield


NetLink NBN Trust




Updated as of July 2021

SRS Portfolio

  • Objective:
    • Long term accumulation of wealth in a consistent manner with moderate volatility every year.
    • High risk and volatility.
  • Purpose:
    • Option 1: To withdraw 10% of the portfolio each year from age 62 onwards to fund a portion of my retirement expenses.
    • Option 2: To convert portfolio into a lump sum annuity to fund a portion of my retirement expenses with yearly cash payouts.
  • Target Allocation:
    • 99% in Endowus, investing in Dimensional World Equity Fund SGD.
    • 1% in SSB June 2019.


Latest Price


Dimensional World Equity Fund SGD



SSB June 2019



Cash (in SRS account)



Updated as of July 2021

Fixed Deposit

  • Objective:
    • Generate >3% interest per year in overseas USD-denominated fixed deposit saving account.
    • Build a fixed deposit ladder of recurring 3-year fixed deposits to receive the maximum interest rate available.
    • Low risk and volatility, subjected to SGD-USD currency risks.
  • Purpose:
    • Option 1: To fund a portion of my retirement expenses by withdrawing a portion of the fixed deposit each year.
    • Option 2: To fund renovation of my investment property if I decide to use it as a home for my retirement.
  • Target Allocation:
    • 100% in USD-denominated fixed deposit saving account

Investment Property

  • Objective:
    • High risk long term illiquid investment with the aim of capital appreciation.
    • Super high risk due to unknown economic future of Cambodia, subjected to SGD-USD currency risks.
  • Purpose:
    • Option 1: To fund a portion of my retirement expenses with rental income each year.
    • Option 2: To be converted into a home for my retirement for geoarbitrage purposes.
  • Target Allocation:

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