AFM Capital

Capital, Governed.

Capital Builder

Overview

Capital OS

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Worksheets

Your Work

8 Worksheets. 12 Deliverables.

Complete each worksheet after watching its module. Worksheets unlock sequentially. Fill in directly on this page, download as PDF, or do both. Every answer feeds forward into your completed Capital OS.

Complete

⭣ PDF

01 Know Where You Stand

Capital Snapshot · Behavioral Risk Profile · Tier Assignment

Part 1 — Capital Snapshot

Complete a full inventory of every asset you own. Be precise — not approximate. Include every account, every holding, every currency.

1.1 List every financial account you hold — bank accounts, brokerage accounts, CPF/EPF, insurance policies with cash value, and any other capital vehicle.
Include institution name, account type, approximate balance, and currency. Include accounts in all countries.

1.2 List all real assets — property, business equity, vehicles, collectibles, precious metals, and any other non-financial assets.

1.3 What is your total estimated net worth today? Break it down by currency exposure.
Calculate: total assets minus total liabilities. Then show what percentage is in each currency.

Part 2 — Behavioral Risk Profile

Answer honestly based on how you have actually behaved in the past — not how you would like to behave. Past behavior under pressure is the best predictor of future behavior.

2.1 In the last major market downturn you experienced — what did you do?

Held all positions and did not change anything Reduced some positions but held most Sold significant positions to preserve cash Exited almost everything and went to cash Added to positions — bought more on the way down

2.2 What is the largest single-position concentration you have held as a percentage of your total capital? How did it feel?

2.3 Describe the last time you made a significant unplanned capital decision — one that was not part of any written plan. What triggered it? What was the outcome?

2.4 Which of the three failure patterns best describes your primary risk?

Deployment Without Boundaries — I deploy on conviction with no defined limits Silent Concentration — my exposure has accumulated without deliberate decisions Liquidity Illusion — I have no defined floor and have not tested my structure under stress All three — in different contexts at different times

Part 3 — Capital Tier Assignment

3.1 WhaWhat is the total value of your investable capital outside your primary business? This is your starting capital tier number.
Include: liquid savings, brokerage accounts, investment portfolios. Exclude: your primary residence, your business equity, illiquid assets you cannot access within 30 days.

Complete

⭣ PDF

02 Write Your Capital Mandate

Capital Mandate — 5 questions · Stress-test · Signature

This is your Capital Mandate — the most important financial document you will write. Answer every question with specificity. Vague answers will not hold under pressure. When you are done, print it, sign it physically, and file it in your Capital OS folder.

The Five Mandate Questions

Q1 What is this capital actually for?
Not "to grow." Something specific. Examples: "To fund a complete financial exit from the business by age 52." "To generate $8,000/month in passive income within 10 years." "To build a capital base that my children's education and my retirement draw from separately." The more specific, the more it governs.

Q2 What are your time horizons?
Map each horizon to a bucket. Not all capital is on the same timeline. Be explicit.

Q3 What is your genuine risk tolerance — in dollars?
Not in percentages. The actual dollar amount you could watch decline for 12 consecutive months without changing your behavior. This is not your theoretical tolerance — it is your behavioral tolerance tested against your past decisions.

Q4 What return are you optimising for?
A specific target. Not "as much as possible." "As much as possible" is not a governance rule — it has no ceiling and no floor. Name a number you are optimising toward, and what you will not sacrifice to reach it.

Q5 What are your governance rules?
Write 3–5 non-negotiable rules. Each rule must be a specific yes/no test — not a guideline. "Diversify well" is not a rule. "No single position may exceed 15% of my Grow bucket" is a rule.

Mandate Stress-Test

Test your mandate against three scenarios before signing. If the mandate does not hold — revise it. If it holds — sign it.

ST1 A private deal opportunity arrives. A trusted contact offers you an investment with a compelling 3-year return. The minimum commitment is 30% of your current capital. What does your mandate say?

ST2 Markets drop 35% in three months. Your Grow bucket is down significantly. Business revenue softens at the same time. What does your mandate say?

ST3 Your home currency weakens 12% against USD over 18 months. Your currency exposure is now significantly more concentrated than your target. What does your mandate say?

Signature — This mandate is governing. Print, sign physically, and file.

Full Name

Date Signed

Capital Tier

Complete

⭣ PDF

03 Design Your Capital Architecture

Architecture Blueprint · Allocation Bands · Account Structure Checklist

Part 1 — Three-Bucket Architecture

Assign every dollar to a bucket. Use the allocation bands from Module 03 as your starting point, then calibrate to your specific situation and tier. Nothing is left unassigned.

3.1 Preserve Bucket — your protection capital
Target range: 35–45% of total capital. Holds: high-yield savings, money market, short-duration government bonds. Never declines meaningfully in a 12-month window.

3.2 Grow Bucket — your compounding capital
Target range: 35–45% of total capital. Holds: index ETFs, diversified equity, long-duration compounding vehicles. DCA-funded, held through drawdowns.

3.3 Optionality Bucket — your asymmetric capital
Target range: 15–25% of total capital. Holds: private deals, angel investments, concentrated speculative positions. Hard size cap — never exceeded regardless of thesis quality.

Part 2 — Account Structure Checklist

3.4 Assign every account you listed in Worksheet 01 to its bucket. Nothing is unassigned after this step.

Up Next

⭣ PDF

04 Your Compounding Vehicles

Vehicle Selection · DCA Schedule — Automated · Portfolio Setup Checklist

Watch Module 04 fully before completing this worksheet. Your DCA must be confirmed running (not just planned) before you mark this worksheet complete.

Vehicle Selection by Bucket

4.1 Preserve Bucket — what you will hold
At your capital tier, suitable Preserve instruments include: high-yield savings accounts, money market funds, Singapore Savings Bonds, short-duration government bond ETFs (SGS, TBIL, SGOV). Prioritise capital protection and liquidity over yield.

4.2 Grow Bucket — what you will hold and DCA
Suitable Grow instruments: broad market index ETFs (VTI, VWRA, IWDA, S&P500), diversified bond ETFs for the conservative portion. Select 1–3 instruments maximum. Fewer is better — complexity is the enemy of compounding.

4.3 DCA Schedule — this must be running before submission
Set up an automated recurring purchase in your brokerage. Define the exact amount, the date, and the instrument. "I will manually invest each month" is not a DCA schedule — an automation that fires without any action from you is.

4.4 10-year compounding projection — at your current DCA rate
Use the formula from Module 04. Assume 7–8% annualised return on your Grow bucket. Fill in your specific numbers.

05 Downside Containment

Liquidity Floor — Signed · Volatility Response Protocol — Signed · Forced-Sale Test

Locked

06 Currency Governance

Currency Exposure Audit · Target Currency Split · Governance Rule Written into Mandate

Locked

07 Behavioral Governance

Decision Gate Threshold · Override Log Initiated · Three Pre-Decision Questions (printed card)

Locked

08 Capital OS Assembly & Graduation

Capital OS Assembled · 10-Year Projection · QCR Schedule Set · Graduation Statement Written

Locked

Printable Governance Cards — Always Available

🃏

VRP Wallet Card

Your Volatility Response Protocol — three predefined responses to three drawdown scenarios. Print and keep in your wallet or desk. Written when calm. Used when it matters most.

⬇ Download & Print PDF

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Decision Gate Card

The 5-step gate process with your threshold amount and accountability partner name. On your desk at the point where capital decisions happen.

⬇ Download & Print PDF

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Pre-Decision Questions

Three questions answered in writing before any unplanned capital move. On your monitor, in your phone, wherever decisions happen. Print multiple copies.

⬇ Download & Print PDF

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AFM Capital Master Workbook

All 8 worksheets in one interconnected Excel file. Data flows forward automatically — your capital snapshot feeds into your architecture, which feeds into your tracker, which feeds into your QCR. Includes Capital Health Score and 20-year projection model.

8 Interconnected Sheets

83 Live Formulas

Auto-Linked Data

Capital Health Score

20-Year Projection

⬇ Download XLSX

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AFM Capital

Worksheets

8 Worksheets. 12 Deliverables.

05

Downside Containment Liquidity Floor — Signed · Volatility Response Protocol — Signed · Forced-Sale Test

06

Currency Governance Currency Exposure Audit · Target Currency Split · Governance Rule Written into Mandate

07

Behavioral Governance Decision Gate Threshold · Override Log Initiated · Three Pre-Decision Questions (printed card)

08

Capital OS Assembly & Graduation Capital OS Assembled · 10-Year Projection · QCR Schedule Set · Graduation Statement Written

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Downside Containment

Liquidity Floor — Signed · Volatility Response Protocol — Signed · Forced-Sale Test

Currency Governance

Currency Exposure Audit · Target Currency Split · Governance Rule Written into Mandate

Behavioral Governance

Decision Gate Threshold · Override Log Initiated · Three Pre-Decision Questions (printed card)

Capital OS Assembly & Graduation

Capital OS Assembled · 10-Year Projection · QCR Schedule Set · Graduation Statement Written

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Get Your Free Ticket Now