41, single, retired and living in a paid 3-room HDB. Assets below, in SGD.

Liquid:

• 5k cash
• 175k 3% SSBs maturing 2032-2034
• 10k 4% bonds maturing 2027
• 370k VWRA
• 100k DBS
• 100k OCBC
• 60k UOB

SRS:

• 5k Amundi Emerging Markets
• 60k Amundi World

CPF:

• 20k OA
• 5k Amundi Emerging Markets
• 55k Amundi World
• FRS SA
• BHS MA

Equity allocation is currently 60% of total assets, excluding HDB. Intend to redeem 30k of SSBs to invest gradually in VWRA over the next few months.

Spent 20k in 2025 and project to spend 25k in 2026. If equity allocation falls below 70%, spending is funded by dividends, interest, coupons and SSB redemptions. Otherwise, spending is funded by selling VWRA.

Seeking comments on the above. Thanks!

Addition

Thanks for all the comments so far. To be more specific, I'm interested in your views on my portfolio composition, the 70% threshold and the withdrawal strategy.