US Market allocation is now tripled of Chinese Shares. Reduced Bank allocation also implied dividend expectation will be lowered this year- and due to timing, some of the Reits shares are bought after Ex-dividends. We probably see a much larger jump on the dividend next year. Interestingly, Reit allocation increased largely with cash from bonds sales.
With the addition of CPF and Gov Securities into the equity overall returns. Overall dividend and interests returns will now be interesting. First of all the new additions are theoretically capital guaranteed. And this also complement with the annual cash top-up strategy.
Secondly, is a well known fact ( may no be some ) that upon age 55, we can withdraw cash from CPF after FRS amount is allocated for RA compounding in which this is already achieved. To be exact, we can't withdraw as cash for living expenses with CPF MA nevertheless for simplification, we have them as part of income since we can use it for medical expenses.
Therefore, returns measurement can look into overall perspective now considering capital is now allocated to CPF through top-up except for money reserved for RA. And if the liquidity is a concern, SSB is at max which can help to tie me over the 3 years till age 55 withdrawal.
With that, it makes more sense on tracking all the dividends and interests together. Furthermore, CPF interests rate is good enough and do not see the need to risk invest them in equity market. It will become basic safety net retirement returns. And so there will not be dividend derived from it. This also help me to focus.
For detail monthly equity dividend return link is here.
There is still the last piece of the puzzle which is the Property Rental Returns. An important asset for enhance retirement support component. Right now, will let it stays as it is.
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