I talked about how I achieved monetary nirvana in a YouTube video just a few months in the past and in addition how I’ve not been consuming any finance associated content material.
That is nonetheless true.
I’ve stated earlier than that my portfolio was roughly on auto pilot and that I did not should preserve taking a look at it.
I do examine quarterly to calculate whole dividends acquired and that is about it.
Sounds fairly stress-free?
Common readers know that for a few years after reaching monetary freedom, I nonetheless struggled to cease worrying.
Nicely, I feel I’ve lastly executed it.
Executed what?
Cease worrying.
The truth that I’m turning 55 this 12 months helps because it means my CPF account turns into a financial savings account.
Extra precisely, the Strange Account turns into a financial savings account which suggests I could make withdrawals from the account if I want to.
In fact, when you’ve got been following my weblog for a while, you’d know I’ve fairly a bit of cash stashed within the CPF.
Now to share my newest CPF numbers.
Curiosity earned in 2025,
In whole, earlier than any voluntary contribution this 12 months, the numbers are as proven beneath,
I did prime up my Medisave Account to max it out like I at all times do in a brand new 12 months.
A 4% rate of interest makes this a no brainer and I’ve blogged about how curiosity earned pays for my Medishield coverage, 12 months after 12 months.
I like getting “free” medical insurance coverage in Singapore.
I additionally did a voluntary contribution to my OA and SA to max out the annual restrict.
In fact, that is one thing I’ve been doing persistently through the years and in my retirement, missing earned revenue, I’ve been doing this with none outdoors assist in the final 10 years or so.
Some may not discover 2.5% and 4% rates of interest fascinating however they’re, for my part, fairly engaging for an asset that’s threat free and volatility free.
I’ve blogged about this usually sufficient through the years, ignoring the naysayers.
After voluntary contributions in January, listed here are the most recent numbers,
Complete CPF financial savings,
$1,336,457.40
Ever since I began running a blog in 2009, I’ve been saying we’re fortunate to have the CPF system and sharing easy methods to take full benefit of it.
I will benefit from the fruits of my labor quickly.
In fact, common readers would keep in mind that I additionally stated the CPF was one in all two pillars in my retirement funding technique.
CPF alone is inadequate until we’re pleased with a somewhat primary retirement life-style.
What in regards to the second pillar if we wish extra choices in retirement?
I stated I used to be additionally investing for revenue.
Particularly, I used to be investing in revenue producing companies listed on the inventory trade.
I stored doing it through the years, getting it flawed generally however getting it proper more often than not, happily.
I’ve been capable of obtain greater than $200,000 per 12 months in passive revenue this manner in recent times.
In 2025, full 12 months passive revenue acquired from my investments in public listed companies was
$240,009.09
On common, that is $20,000 monthly in passive revenue which could be very comfy for the type of life-style I’ve.
If I ought to select to withdraw curiosity earned in my CPF OA in future, then, yearly passive revenue would get a lift.
I do not see any want to take action however it’s good to have the choice.
I’ve been retired from energetic employment for 10 years by now and I’ve been fairly cautious with cash as a retiree more often than not.
I feel what I’ve achieved financially might be greater than sufficient to final me until I say goodbye to this world until one thing goes significantly flawed.
I nonetheless have CPF LIFE which can pay me a month-to-month revenue from age 65 which is 10 years from now for me.
I blogged about this and in addition made a video about how I’d get about $3,400 a month from age 65 by choosing ERS, the Enhanced Retirement Sum, which requires roughly $400,000 to be transferred to a newly created Retirement Account once I flip 55.
CPF LIFE is the most effective annuity accessible and I’ve blogged about this too.
Having one other dependable month-to-month passive revenue stream in my outdated age is an efficient factor.
Impartial of market situations and never requiring any energetic monitoring, CPF LIFE might be essentially the most passive of passive revenue.
Cease worrying, I inform myself.
If you’re nonetheless studying, you’d most likely get the impression that this took me a few years to realize.
Sure, it has.
Common readers who’ve been following my journey through the years know this to be true.
Why is that this essential?
My expertise exhibits that it’s doable for normal of us to realize monetary freedom even in Singapore.
It takes self-discipline principally and time does the remainder.
For positive, my means is just not engaging to all people and a few individuals might even look down on me.
Peasant millionaire? LOL.
Nonetheless, for normal of us who don’t thoughts getting wealthy slowly, my means might be value contemplating.
In fact, we need to do the fitting issues.
Having self-discipline however doing the flawed issues is not going to produce good outcomes.
If you’re new to my weblog or if you wish to discover ways to make investments for revenue in a structured method, I’m completely happy to say that Dividend Machines is open for registration once more.
Right here is the hyperlink for registration,
I’ve been selling Dividend Machines as it’s a prime quality, worth for cash course yearly since its inception however this time would be the final time I’m doing so.
It’s because I shall be making a full retirement as a content material creator which additionally means that is my remaining weblog submit.
Though I shall be going away, my weblog will at all times be right here and a few weblog posts are timeless which suggests readers may revisit in the event that they like.
I hope my journey to monetary freedom will proceed to offer inspiration to anybody who may come throughout my weblog in future.
Please reap the benefits of Dividend Machines and revisit my weblog everytime you really feel the must be impressed.
Bear in mind, even for normal of us in Singapore, monetary freedom is just not a dream.
If AK can do it, so are you able to.
