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Allamanda CapitalNet worth · 12 Oct 2026

S$50,113,217

+S$347.1K on the month

SleeveActualTarget
Public equities43.9%45%
Real estate21.1%20%
Fixed income19.0%15%
Liquid cash8.6%8%
Alternatives3.6%5%
Retirement3.3%4%

Top movers this month

Interactive Brokers — Global Equities+S$242.1K
Nassim Hill Residence+S$32.4K
Employer Shares — GOOGL+S$19.2K
Bank of Singapore — USD Cash−S$18.5K

Valued every night.

Every account carries its own valuation model, and a snapshot runs them all overnight.

  • Shares, at today’s prices.

    Holdings are marked at live prices and exchange rates, and brokerage performance is synced daily from Interactive Brokers. An account can have several owners and any currency.

    FX Exposure

    AUM by currency, in SGD

    USD56%S$27.93M
    SGD42%S$21.11M
    THB2%S$1.08M
    TotalS$50.11M
  • Property and cars, the Singapore way.

    A leasehold depreciates along its lease, and its loan amortises month by month through each rate period. A car follows the Singapore OMV, PARF and COE schedule.

    Real Estate

    Home equityS$10.58Mafter depreciation
    Mortgage rate3.20%237 months left
    Principal paidS$8.1Klatest month
    Interest paidS$7.7Klatest month
  • Equity, vest by vest.

    Unvested shares sit on a calendar of when each vest lands, at the current price, under the person who will receive them.

    RSU Vesting Calendar

    Upcoming vests at the current price

    Pipeline

    S$1.27M
    Dec 2026112.5 GOOGL · Tng Ji Sun S$50.6K150 GOOGL · Tng Ji Sun S$67.5KS$118.2K
    Mar 2027112.5 GOOGL · Tng Ji Sun S$50.6K150 GOOGL · Tng Ji Sun S$67.5KS$118.2K
    Jun 2027112.5 GOOGL · Tng Ji Sun S$50.6KS$50.6K
  • Funds, looked through.

    An index fund is a line on a statement and several thousand companies underneath. Agav adds what each fund holds to what you hold directly, sets your regions beside the world’s, and flags a concentration such as over half in one currency. Rebalance shows where new money should go without selling.

    Exposure, looked through

    Looked through48.0%of S$39.30M investable
    Not in SGD71.0%Over half in one currency
    Largest company3.4%Alphabet Inc.
  • What moved, and why.

    Each month’s change is explained by category and by account: month over month, year to date and over a year. Each person arranges their own dashboard and picks the figures along its top.

    Net Worth Movements

    Oct 2026 · against last month

    +S$347.1K
    Cash & liquidS$4.31M−S$2.6K
    InvestmentsS$21.99M+S$257.8K
    Oct 2026Gains · Investments +S$257.8K+S$347.1K
    Sep 2026Deployment · Deployed S$53.4K cash+S$456.2K
    Aug 2026Gains · Investments +S$175.2K+S$255.4K

Nobody keys in a receipt.

Card alert · 12 Oct, 12:41

A transaction of SGD 63.00 was made with your card ending 4821 at TIONG BAHRU BAKERY.

First the bank’s email arrives.

Forwarded to an address of its owner’s own.

Amount
S$63.00
Merchant
Tiong Bahru Bakery
Category
Dining
Owner
Tng Ji Sun

Then a model reads it.

A small language model finds the amount, merchant and category.

Agav · now

Tiong Bahru Bakery, S$63.00
Dining · Tng Ji Sun

ConfirmRejectLeave out

Then one tap confirms it.

From Slack, a push notification or the iOS app.

Monthly Position · Oct 2026

Income
S$133.3K
Variable spend
−S$9.8K
Dining
S$2.3K
Saved
69.2%

And the month adds up.

Refunds net against their category; the savings rate runs over twelve months.

−S$14.5M

What a bad year would do.

In a fall like the global financial crisis of 2007–09, with Amelia Seth and Tng Ji Sun out of work for 12 months, net worth falls 29% at the worst point. Cash lasts the whole 12 months without selling anything.

  • World shares−S$12,708,144
  • Property−S$2,883,498
  • Singapore shares−S$611,616
  • Bonds+S$583,294
  • The SGD weakened+S$1,071,589

Run by Agav’s own stress test on Allamanda Capital, the fictional family in every picture on this page: S$50,113,217 today, S$20,667 a month of joint income carrying on, S$62,537 a month going out.

  1. Month 2 · S$4.23M
  2. Month 4 · S$4.14M
  3. Month 6 · S$4.06M
  4. Month 8 · S$3.98M
  5. Month 10 · S$3.89M
  6. Month 12 · S$3.81M

CaIO, the AI chief investment officer, reads the portfolio, the allocation against target, the month’s spending and your standing instructions on the schedule you set: daily, weekly or monthly. It writes from your data alone, and nothing it produces is investment advice.

Keep S$3M as the operating floor.

Rebalance only at the year-end meeting.

Say when a vest or a capital call is coming.

Standing instructions, written once.

Read first, then written.

CIO’s briefing · as of 12 Oct 2026

Allamanda Capital — Portfolio Briefing

Position

Total assets stand at S$50.1M, up 0.7% on the month. Public equities carried the move: the global equity sleeve gained 1.9% while the T-bill ladder was flat. Liquid assets (T+2) are S$33.3M, comfortably above the S$3M operating floor.

Watch list

  • RSU vest in January: 112.5 GOOGL units.
  • PE Fund IV capital call reserve: S$600k by February.
  • The Katong Shophouse lease renews in March.

PDF with the net worth trend, allocation against target and spend by category · to Slack, the phone, or both.

Between briefings, ask. CaIO looks up your own figures before it answers and shows which it read, so an answer can be checked against the page it came from. Agav’s Model Context Protocol server lets Claude do the same, off by default, under the same row-level rules.

The commitments around the numbers

  • GivingRules against actual income, a year at a time; IPC donations reach the tax estimate at their enhanced deduction.
  • TaxSingapore’s progressive brackets, per owner, per year of assessment.
  • InsuranceCover, premium history and renewals; a renewal inside sixty days surfaces on the dashboard.
  • MilestonesA wealth target by a date, or a reserve that says when it is full: S$60M by 2030, 83.5% there.
  • EstateHow each account is held, the nominations made and missing, and a Statement of Assets for the bank or the executor.

Protection and continuity

Agav keeps your data apart from everyone else’s in the database itself, and keeps a way in for the people who will one day need it.

Row-level security in Postgres decides who reads and writes what, so code that forgets a check is contained and code that tries to widen access cannot. A viewer can be limited to their own accounts. Secrets are encrypted at rest, every deployed environment has its own database, and audited actions are written in the same transaction that performs them. You can name a contingency user, a next of kin or a trustee, who holds no access until they ask: break glass raises an alert, an approval opens a time-boxed elevation, and every step is logged. The emergency packet says who to call and where each document is. When the operator places someone in a tenant for support or succession, the grant comes from a separate control plane, shows to your administrators as read-only, and expires. Read how it works.

Know it by morning.

Agav is a hobby project, built and run in Singapore under the WuCoLaBo name for a small number of families and individuals in a private beta. It is not a commercial service: nothing is sold, nothing is charged, and there is no sign-up and no waiting list. If you have been invited, sign in with the account you were given.

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