Sold 8% of SG Portfolio to Fund 2027 Expenses

This is a follow-up on the previous post on SG portfolio.

Over the past two days, my SG portfolio has remained steady. Coupled with the continued strong performance of my US holdings, my overall portfolio achieved an 11% year-to-date return yesterday, including both realised and expected dividends.

Given this positive performance, I decided to trim my SG portfolio this morning, despite today’s lower prices. These sales, combined with those of my US stocks last month, have solidified my financial plan for 2027.

While the potential for further upside exits, due to the likelihood of a rate cut in the coming months, I have chosen to prioritise wealth preservation over accumulation at this stage of my life.

A decade ago, with an active income and a focus on wealth building, I would have made a different decision. However, given the need to preserve my assets to fund my lifestyle, maintaining a substantial cash buffer is now paramount.

I should clarify that by “wealth preservation,” I mean maintaining a relative level of wealth, that comfortably fund my spending needs, rather than comparing myself to others. This is also not a zero-growth strategy. On the contrary, I aim for portfolio growth, but with the understanding that withdrawals will impact the compounding effect.

The image above shows the stocks sold this morning.

Although individual positions experienced mixed results, the overall portfolio sale generated a $25,000 profit. While this will reduce my projected 2025 dividends by approximately 6%, it aligns with this year’s dividend levels. Moreover, this reduction will be offset by the interest income expected from investing the proceeds in Singapore Savings Bonds and T-bills.

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