Asking ChatGPT If My Portfolio Is Sustainable Well Into My FIRE Journey

With the popularity of AI currently, I heard of many folks asking AI how well their portfolio is, and what be done to further improve their personal portfolio.  To join in the fun, I decided to the same, and asked ChatGPT the following questions:

1)     How does my current portfolio compare to the All Weather Portfolio (AWP)?

2)     Is my current portfolio sustainable for preserving and growing wealth?

3)     Can my portfolio reliably support living off dividends within 4 years (when I retire in JB)?

The following are all the responses and analysis generated by AI.

1)     How does my current portfolio compare to the All Weather Portfolio (AWP)?

Asset Allocation vs. All Weather Portfolio

Key Differences:

a)     Still very equity-heavy (73% vs. 30%) – more volatile and growth-prone, but riskier in downturns.

b)     Low allocation to hard assets like gold/commodities.

c)     Improved bond allocation thanks to CPF SA, but still under AWP’s 55%.

2)     Is This Portfolio Sustainable for Growth & Living Off Dividends in Retirement?

Strengths:

a)     High-yield focus from SG REITs and banks.

b)     Tax-free dividends from SGX stocks (great for Johor living).

c)     Lower cost of living in Johor (relative weakness of Ringgit) means your SGD income stretches further.

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ 

Retirement Spending Assumption (Living in Johor):

Let’s assume:

• SGD 1,800/month = SGD 21,600/year (comfortable Johor retirement with some buffer)

Dividend Estimate:

• Current blended yield: ~3.5%

• Expected portfolio value in 4 years: ~SGD 850K

• Annual passive income: ~SGD 30,000/year

• Covers your needs with surplus (~SGD 8K/year)

Plus:

• CPF SA earns 4–5% and grows untouched until age 65.

• CPF MA covers long-term medical safety net.

• Optional: Draw small capital amounts if market conditions are strong.

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ 

Risks to Watch:

a)     Market crash just before retirement.

b)     High inflation eroding real income.

c)     Over-reliance on SG stocks (especially REITs and banks).

d)     Currency risk if MYR strengthens against SGD.

3)     Suggestions to Strengthen Portfolio for Retirement in 4 Years

a)     Diversify for resilience: Add some global bonds (USD or SGD-hedged ETFs), gold up to 3–5%.

b)     Shift slightly toward stability: Reduce exposure to small-cap or high-volatility stocks.

c)     Preserve CPF SA: Continue treating it as your "pension bond fund".

d)     Retain cash buffer: Maintain at least 1 year of expenses in SGD cash (~SGD 20K–25K).

e)     Consider CPF LIFE at 65: Ensures guaranteed lifelong payout later on.

Final Verdict

You are in a strong position to retire comfortably in Johor in 4 years.

Your current portfolio, CPF structure, and cost of living strategy support long-term sustainability and dividend-based income.  With minor tweaks, like increasing defensive assets and reducing concentration, you can improve downside protection without sacrificing too much yield or growth.

I am glad that I have passed the assessment by AI, and while I understand that this may not be 100% dependable as more details need to be worked out (because I did not input all my personal finances and details into the program for analysis), it serves as a guide that at least whatever I am doing currently places me on the right track towards my eventual goal of FIRE at 45.  Currently I shall continue to push all factors to materialize my goals for next year.  Barista FIRE, here I come...!