Planning retirement ahead at 56: How I Structure My Portfolio for Income and Growth

I am a 56 yo. pre-retiree. I am planning for my retirement within the next 5 years. I have build my portfolio around three main investment pots.

1) Passive income. Consisting of REITS and other divident generating stocks from SG.

2) Fixed income. From SSB and T-bills

3) Growth stocks from USA. I invest in Mag7 and AI stocks.

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The ratio is 40/40/20. So far, my investment has been making money and about above average performance. In 2025, my equities gain is about 25% and passive income is $51K. I am planning to shift the ratio to 50/20/30 ratio so as to capture more of passive and growth income. I have not considered CPF as a investment and have left as to compound and acting as a safety net for retirement.

I have made a blog to record my investment journey as I move into retirement and beyond.

http://retire50s.wordpress.com