Reader says…
“I know you think of CPF as bonds in your portfolio and you want to grow it to reduce portfolio risk and volatility but what if you are unable to do it one day? 

“Do you have back up plan?”

AK says…
“Although I feel that I should be able to continue to do Voluntary Contributions to my CPF account yearly to reach the Annual Contribution Limit, there could be a year or two or a few when I might not be able to do so.

“After all, we cannot know what might happen in future and there could be times when my passive income takes a hit or when my expenses spike for whatever reason.

“It is a situation that I would have to accept but it is not a situation that I would need a back up plan for.

“I will blog about this and you can