Been some time since my final weblog submit.
I’ve been busy with many issues at residence and I’ve not been wanting on the inventory market.
The final time I did something within the inventory market was in December final 12 months after I purchased some shares of Alibaba and Wilmar.
Happily, my funding portfolio is on “auto mode.”
Roughly.
It would not require fixed consideration from me.
It merely generates passive revenue for me usually and all I’ve to do is to verify my checking account on a month-to-month foundation to see how a lot I’ve been paid.
That is nonetheless one thing I’ve to do since I do not need to overspend and I’ve to allocate extra capital.
In latest weeks, on the subject of extra capital, all I did was to take care of my T-bill ladder and this was one thing I’ve produced blogs and movies on.
T-bills are nonetheless a great place to park extra money for now as I look forward to higher funding alternatives within the inventory market.
Rates of interest are prone to keep larger for longer because the Fed is not as excited about reducing charges as they had been within the second half of final 12 months.
That is in fact excellent news for my comparatively massive place in DBS, OCBC and UOB.
All three banks are prone to proceed paying significant dividends they usually might pay extra in 2025.
It’s because they’ve loads of extra capital.
Having stated this, it is very important point out that I’m not all the time flushed with extra capital.
There might be months after I do not obtain any dividend or little or no.
First and fourth quarters are normally drier.
January normally sees a drought!
I acquired zero dividend in January 2025!
Nonetheless, my funding portfolio nonetheless generated 42% larger passive revenue in January, 12 months on 12 months.
That is all due to T-bills and Singapore Financial savings Bonds.
Mounted revenue.
I’ve been stashing extra money in T-bills and SSBs.
To make sure, the passive revenue in greenback phrases shouldn’t be thoughts blowing.
January 2025: $1,491.93
January 2024: $1,046.20
It is a rise of some $450.
Sufficient to cowl a few of my routine bills.
In fact, if I had primarily relied on one thing like this through the years, I might not have what I’ve at the moment financially.
That is simply a part of my monetary pyramid and it contributes to my portfolio’s stability.
In fact, common readers additionally know that I just like the CPF system very a lot however with the CPF SA going away as soon as we flip 55 years of age, we’ve to be much less reliant on the CPF to fund our retirement.
Investing within the inventory market remains to be one thing that each common individual ought to significantly take into account with a purpose to have a extra comfy retirement.
get it proper more often than not?
I’ve shared my strategies and philosophy right here in my weblog through the years and extra lately in my YouTube channel.
Some have requested me if I might conduct funding programs however, in fact, readers who’ve been following me for a few years would know my reply to that.
Nonetheless, it’s that point of the 12 months once more and for anybody who’s to discover ways to make investments for revenue, “Dividend Machines” is open for registration once more.
“Dividend Machines” is the one course I’ve promoted yearly since its founding so a few years in the past.
It isn’t solely nicely structured, it’s also nicely priced and doesn’t price hundreds of {dollars}.
It’s run by my buddies at The Fifth Particular person and a few of you interacted with Victor who was the visitor speaker throughout “Night With AK And Mates 2025.”
Anyway, if you’re excited about rising streams of passive revenue and try to be, take a look:
Dividend Machines 2025.
If AK can do it, so are you able to!
