Watching US AI stocks fly while your SGX dividends crawl can feel like being the only one still on the MRT when everyone else took a sports car. In this episode, I walk through why Jeremy Grantham, the veteran who called past major crashes, is telling global investors to move away from crowded US tech and toward boring, income-first assets, and how that lines up almost exactly with a CPF-anchored SGX portfolio. We talk about why your 4% CPF “floor” is something Americans do not have, and why every dollar you push out into stocks has to clear a proper yield hurdle before it earns the right to leave that safety. If you are a 45–60 HDB household juggling CPF, SRS, T-Bills and REITs, this one is meant to make your current plan feel a lot less lonely.
Key takeaways:
Grantham’s AI bubble warning and what it means for chasing US tech highs
Why CPF’s 4% floor is a global-level defensive asset most investors lack
How to think about a yield hurdle before moving money out of CPF into stocks
Why “boring” SGX income names can be exactly what global capital rotates into after bubbles
How a simple, rules-based framework helps you stay calm when markets get noisy
Iggy’s Forensic Disclaimer
This content is produced for educational and informational purposes only. I am not a financial advisor — I am a retail investor who applies forensic analysis to my own portfolio and shares that process publicly. Nothing here constitutes a recommendation to buy, sell, or hold any security, and no specific target prices or personalised financial advice are offered. Stocks assessed under Iggy’s Forensic Yield Standard are benchmarked against a 4.7% minimum yield hurdle; stocks flagged as Growth Watch fall below this threshold but demonstrate clean balance sheet metrics and an identifiable growth catalyst — these carry a materially different risk profile and are not suitable as yield replacements for income-dependent investors. All data is sourced from public filings and verified sources; where data is unverified it is explicitly flagged. All investments carry risk, including the potential loss of principal, and past performance is not indicative of future results. If you are making investment decisions involving CPF, SRS, or personal capital, please conduct your own due diligence or consult a MAS-licensed financial adviser before committing funds.
