Seems like I’ve gotten lazy to post since the best kind of investing is really lazy investing. A quick update:
Added ~S$500k to net worth since 1.5 years ago. In terms of liquid assets (i.e. excludes CPF and HDB), roughly doubled it from S$350k to S$740k (power of compounding plus regular funds injection)! This comprises around half a million SGD of stocks/bonds/REITs, and quarter million in crypto. Although I’m largely a Bogleheads investor, I’ve also entered positions into Singapore REITs (via Syfe), and some spare cash in their Income+ Enhance product that comprises PIMCO income and bond funds.
A bigger change is that I’ve split the world equities portion of my Bogleheads fund (previously purely IWDA) into 2 classes (IWDA + SPY options wheel strategy since Mar 2023) for increased growth since I’m ‘only’ in my 40s. Haven’t looked back since. SPY options wheel is currently doing well at around 16% XIRR, wheeling weekly for premiums. I might offload the REITs portion (~S$70k) and rotate it to doing 2 contracts of SPY options wheel (requiring around S$140k/week).
The core principle for the assets still remains to be the Bogleheads portfolio, with eventual rotation to more bonds (lower growth but less risk although its ironic that it’s in the red now). I am, satisfied with the annualised XIRR return of 6.39% currently. CPF Life is a ‘bonus’ that I do not factor in much mentally, but I consider it a safety net from age 65 (if I’m alive). Meanwhile, I’m growing my CPA OA in excess of S$20k via Endowus.
Still a Bitcoin maximalist, and HOLDing since 2017. Started to DCA S$200/week to accumulate more units around 1.5 months ago too. Stay safe, healthy and invest well fellas!
