My $3M Portfolio Strategy | Funding FIRE Before CPF Unlocks
How do you fund FIRE before CPF unlocks? 🔑 I retired early at 47 with a $3M portfolio (including CPF) — but here’s the challenge: my CPF funds are locked until age 55. That means I have to rely on my liquid portfolio to fund my lifestyle in the meantime. In this video, I’ll share: ✅ A snapshot of my $3M financial net worth (as at June 2025) ✅ How I structure my liquid assets vs CPF ✅ My 3% Safe Withdrawal Rate plan for early retirement ✅ How I manage sequence of returns risk with a cash bucket strategy ✅ Why I adopt a Total Return approach instead of relying only on dividends ✅ The mindset shifts needed for decumulation after FIRE This is my Chubby FIRE plan — balancing comfort, freedom, and security — even before CPF unlocks. If you’re planning for FIRE in Singapore, or wondering how to sustain your retirement lifestyle before CPF payouts, this video is for you. 💡 Don’t miss my future videos where I’ll break down the money habits, savings rate, lifestyle choices and investment strategies that allowed me to reach Chubby FIRE by 47. 💬 Let’s Chat! I’d love to hear from you — share your thoughts in the comments below 👇 Do you think a 3% Safe Withdrawal Rate is conservative enough for FIRE in Singapore? Would you prefer a dividend-focused portfolio or a total return strategy for retirement income? How many years of cash buffer do you think is enough to manage market volatility? What’s your “enough” number for FIRE in Singapore? 🔔 Stay Connected 👉 Subscribe for more tips on FIRE, CPF strategies, post-FIRE updates and living with Ikigai: / @ikigailivingsg 👉Follow me on Instagram: / ikigailivingsg #FIRE #EarlyRetirement #CPF #ChubbyFIRE #CPFSG #FinancialIndependence #SingaporeFinance #RetireEarly #InvestingSingapore #firemovement Timestamps: 0:00 Quick introduction about myself and this video 01:06 Liquid Portfolio Strategy - How to Fund FIRE lifestyle Before CPF at 55 01:35 Financial Networth Breakdown (Jun 2025) 02:34 Introduction to the Safe Withdrawal Rate (SWR) Concept 04:15 Reality Check - Success Rate of 4% Rule for US vs Global Portfolio 05:33 FIRE / Early Retirement - Why 30-Year Horizon is Insufficient 06:00 Why 3% SWR is the Sweet Spot for Early Retirement 06:33 3 Key Considerations During Retirement 07:41 My Total Return Approach for Decumulation 09:49 My Cash Bucket Strategy 10:23 Examples of Implementing My Total Return Approach 11:59 Actual Portfolio Actions Taken (2Q 2025) 12:52 Portfolio Performance (1H 2025) 14:24 Stock Portfolio Breakdown (Jun 2025) 15:06 Summary of My Portfolio Strategy | What's Coming Up Next
