(Updated 31st October 2022)
Retirement Asset (RM489,476):
This mainly consists of my Employee Provident Fund (EPF) and makes up a significant % of my portfolio. However, the funds are only accessible when I'm 55 years of age and to top it off, I have zero control over how the funds are managed. For that, there really isn't much reason for me to make a monthly report over. I'm not complaining because its average yearly returns have been very good (5% - 6% per annum). They have an allocation of 51% bonds, 36% stocks, 10% real estate & 3% money market.
This heavily bond-weighted fund does indirectly affect my current equity allocations. With such a huge safety net, it gives me the confidence to go fully aggressive on my current equity portfolio.
Current Equity (RM343,248):
Details are in my monthly reports. My baby step goal here is to have it surpass my Retirement Asset. It's a tall order, because although the monthly contribution into my EPF and my current equity portfolio is almost the same, the EPF already has a far head start!
Fixed Equity (RM102,509):
Basically my one home market value minus its mortgage. This graph serves as a daily reminder as to why single property investment isn't all it's cracked up to be. While both my Retirement Asset and Current Equity has been consistently growing over the years, my Fixed Equity remains almost constant! The main cause of this would be due to the depreciating value of my home. This home is for my own stay so it makes no difference if this property depreciated down to zero value. However, imagine if I bought this home for investment purposes!
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