Age: early 40's, 2 kids

Annual Income: $100K (mine), wife (not working any more)
Cash: $548K (mine), $439K (wife)

My CPF: $38K (OA), $112K (SA)
My Stock: $20K
My SRS: $12K
My Insurance current value: $12K

Wife CPF: $1K (OA), $7K (SA)
Wife Stock: $4K
Wife Insurance current value: $149K

5rm HDB balance loan $127K
Jap car fully paid

Don't know what to invest for passive income. Thinking property too high, waiting for opportunity to buy more stocks and plan to start up new business.

Time running out as soon would be in the 50's, 60's.

I am not a risk taker and that's explain why I have no 2nd prty and much stocks.

Appreciate for current situation advise.

Thanks.