~~Towards Barista FIRE~~

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)     ...

This post is written with the help of ChatGPT, as I lacked the necessary in-depth finance knowledge.  There are some points here that are written and has been fact-checked with the relevant information from other sources. In early April 2025 after the "Liberation Day", where Donald Trump started imposing reciprocal tariffs to almost every country, besides the sharp plunge in stock markets which caused my portfolio to drop below the SGD 600K market value "support level", a bewildering sudden and sharp spike in US 10-year and 30-year Treasury yields (more specifically between 9th to 11th April) occurred and this caught markets off guard.  Investors were rattled because usually when stock market crashes occur, investors tend to move funds into the US Treasuries as a form of flight to safety, which tend to lower bond yields.  Hence when the 10-year bond yields suddenly spike from around 4.0% to above 4.5% in a couple of days, media headlines screamed about a potential b...