Rental Income is the net after interests portion of the monthly loan and maintenance fee. Further 20% cut on rent to be conservative. It is an expansionist for my cash flow though not much as Equity. View it as much lower risk even though on leverage and potential capital gain.
Retirement and Insurance segment includes CPF. Keep in me this is paper exercise as I won't be withdrawing my CPF OA/SA after 55. And the monthly amount in RA will only happens after 65.
Dividends are basically from Equity. Do note some stock don't give dividends therefore reflect weaker cash flow. Itself tells a story on how we want to plan it between growth and dividend.
Saving Cash is high due to bonus and de-risk of the portfolio before Year 2024 started. Looks like a key priority to have it reduced.
Ending with Equity and Property are the two key pillars that go beyond their asset allocations when come to supporting cash flows. The worst is to leave cash in saving account. Need to make them to work obviously.
Keep in mind not to lose capital on whatever we do.
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