Just an older perspective to TS - have the end-goal in mind, eg. Estate planning.

All the moving about to US / SG / etc brokerages & accounts - ensure it's worthwhile for your Will's Executor to file/execute your Will in those countries and retrieve
+
relevant Estate taxes, even if SG brokerage, it can be US Estate Laws U'll face like 45% taxed on anything above USD $60K.

Personally, i've moved my stuff back to "easier & cheaper" for my Will's Executor to perform their duties with less or no estate taxes.

Of course there will be some smarter folks saying to share userid & password with another or joint-account but.. look into the details and probabilities ya. Executability when needed +legality + impact.

Note - i'm 49 this year and based on the local brokerage charges / fees on dividends, no biggie based on the amount i'm transacting. Thus, the end-goal is more important to me for my family. When younger, yup all those cost are quite a big % impact thus worthwhile to have accounts like OptionsXpress, TDAmeritrade, etc.

No absolute right / wrong ya - just sharing what i've done & thought - different strokes for different folks & different stages of life.

Let's post this here. More suitable.That thread is for EPF.
Dividends and Forex. I don't do rental/KLSE/ASB/mutual fund.
Bonus is me options selling.
Dividend paid in SGD or USD hence the Forex part. Not the traidng Forex type. My early retirement will be fully funded via dividend growth investing. Means overtime by not touching the capital the amount I get paid increases with time. Hence won't run into situation that inflation eats into the value of money as I am looking at automatic dividend growth in tune of 7-15%p.a

I am in my 30s. My focus is FIRE ASAP by 45 and get a good frugal wife. I tell all girls I meet I am not well off. See if that scare them away. Lol. So far one decided to stick with me. So we see how. Lol.

<-- a person who work in healthcare center.

I gonna tell you, for plating/orthopedic/fracture/implant/PRP injection case, private will have faster access.
HOWEVER,
For those serious stuff that requires ICU care and ventilation care.... 100k can be easily depleted every week... and government ICU care is very awesome, i gotta tell you.
Burn case also , better go to government care with burn unit...

For me , i arrange in such way :
Critical care / Red case : Definitely government  (Polytrauma with multiple systemic issue)
Yellow high risk : Government
Yellow low risk : Private (normal arm fracture , or Osteoarthritis need change joint aka THR / TKR )
Green risk : Private / F/Up at Klinik Kesihatan for medication

You may count the EPF portion if you are in a position of being able to access it (i.e. if you are at least age 50, have more than RM 1M, etc )

One advice Ive seen is that ones equity exposure should be 100 minus current age.This is US centric tho.

Looking at your portfolio of 32% equities n 68% fixed funds. Bear in mind that EPF is actually about 60:40 (40% being equities) whereas Asnb fixed funds have even higher equities allocation (at least 70% equities). In this context, you are aggressive enough I think.

i would be more conservative hitting 50s and above

local equities, most are useless, zero volume, except for Maybank good dividend etc.

foreign equities if you can pick good ones, no problem.

But don't you prefer comfort (a fixed 4-8% per annum) over excitement about uncertainty (+/- 20-50% per annum)?

i still keep the same 3 asset classes but at different ratios due to different wants:

1. During retirement (now):
b. REITs (worldwide) to generate 50% of yearly cashflow usage

Which 5 million invested in shares can provide you a monthly income of RM 25k

Well depends on you. You can hire a financial planner to see if you got enough money. it cost RM1k if you are taking one sort of the package or RM3k for the whole package for a year.

They will do calculations for you.

Is this one good enough?

https://www.mycalculators.com/ca/retcalc2m.html

Yes, I have more than 5 mil now, but not like alot, did burn my self a bit in KLSE.

A big chunk is in FD yes, cause of the good rates, but now the rates are so low and next year might be lower.

my biggest worry is inflation lor.

I like one of the foruumer's suggestion, " spend like B40" 

can give more details on luxury retirement?