Portfolio Allocation / Management

[Porkbelly]

I view our CPF SA and OA as somewhat quasi-bonds which some other countries don't have.

I share the same view. After paying up the remaining HDB loan ( after 10 years ) I had about
30K in the OA. I made the decision to move the lot into the SA against many people's advice ( they had good intentions of course)
This was more than 20 years ago.

As for other "investments", I have always viewed cashflow as a very important criteria. Cashflow from 2 perspectives:
A) Cashflow as a business
B) Dividends paid from the business

Employment salaries must never be thought of as sustainable... and one must constantly seek replacement
income ( usually passive ) and build it up with the goal of meeting lifestyle expenditures, and into full retirement.

Best wishes to all buddies.. appreciate all the sharing, opinions, and viewpoints..