Listing for 2024! CPF BHS. T-bills. 2023 passive earnings.

Completely happy new yr!

Model new month and model new yr!

I’ve been busy your entire month of December and now I’ve to plan my January.

I’ve a lot to do in several worlds.

Neverwinter, World of Warships and Black Desert On-line.

12 to 14 hours of time spent in digital worlds.

In fact, I have to not overlook issues I have to do in the true world too.

January appears like it will be one other busy month too.

Oh pricey.

I want I had 25 hours a day as a substitute of 24.

Possibly, 26 or 27 hours can be higher.

Yeah, unhealthy AK!

So many issues to do in my retirement and so little time.

Anyway, as I’m rising forgetful in my previous age, this weblog will shortly define the stuff I’m going to do with regards to cash issues.

1. Prime up my CPF MA to the brand new BHS.

The brand new BHS is $71,500 in 2024.

That is up from $68,500 in 2023.

Curiosity earned in my CPF MA will movement into my CPF OA since my CPF SA has already hit the FRS.

So, I can do a $3,000 prime as much as my CPF MA this month in January.

I’ll do it sooner than later simply in case I overlook later.

2. Weblog about my up to date CPF steadiness.

My CPF steadiness will look very “weak” in 2024.

I revealed a weblog final yr the place I reacted in “horror” that my CPF account was “hacked!”

The majority of my CPF OA cash is in a 1 yr T-bill with a cut-off yield of three.87% p.a. which is why my CPF OA steadiness is far decrease.

That T-bill is maturing on the finish of the month.

So, the cash is coming again.

I have to keep in mind to switch the cash again into my CPF-OA.

3. 6 months T-bills.

I acquired each 6 months T-bills supplied within the month of December 2023.

The cut-off yields had been 3.74% p.a. and three.73% p.a.

Not too unhealthy.

The plan is to keep up my T-bill ladder in 2024.

The yields are nonetheless comparatively engaging to me.

So, I’ve already made a non-competitive bid for the public sale happening on 4th January 2024.

If Mr. Market ought to go right into a melancholy in 2024, it could be time to dismantle the ladder.

4. 2023 full yr passive earnings.

I’ve been so busy in December that I’ve not been maintaining with issues on the funding entrance.

I must spend a while taking a look at numbers to account for my passive earnings in 2023.

I’m anticipating a weaker This autumn 2023 since UOB and OCBC pay dividends solely twice a yr in Could and August.

12 months on yr, passive earnings may are available in weaker because the REITs I maintain are producing much less earnings for me too.

There might be some earnings generated by T-bills within the portfolio however that will not transfer the needle a lot, I think.

Hmm.

I believe that’s all with regards to cash issues and running a blog.

A lot of different stuff I’ve to do however I shan’t litter this weblog publish.

OK, perhaps simply this one factor.

I shared this screen-shot of the port of Velia in Black Desert On-line in my YouTube neighborhood tab on Boxing Day.

You may see my ship docked within the excessive proper of the image.

I’m engaged on upgrading it’s just like the taller and bigger ship with the black sails within the heart of the image.

Work in progress and I ought to be capable of get it in just a few extra days.

Makes me completely satisfied fascinated by it.

Might be happier as soon as it’s accomplished!

That’s all for now.

Look out for upcoming weblog posts on my CPF financial savings and 2023 passive earnings replace.

I might be again!

If AK can speak to himself, so are you able to!