Merry Christmas Eve!
As the year 2025 draws to a close, let me take a moment to reflect on my passive income journey.
From 1 Oct to 31 Dec 2025, I received the following dividends as passive income.
$303.00 SSB (1 Oct)
$147.50 SSB (1 Oct) SRS
$613.00 SSB (1 Nov)
$315.00 Guocoland (19 Nov)
$750.75 DBS (24 Nov)
$600.00 DBS (24 Nov) SRS
$168.72 Keppel Reit (25 Nov) SRS
$187.15 Astrea 7 A-1 PE Bond (27 Nov)
$954.08 Frasers Centrepoint Trust (28 Nov)
$135.50 Netlink Trust (28 Nov)
$88.90 Suntec Reit (28 Nov)
$492.00 SSB (1 Dec)
$402.00 MPACT (4 Dec)
$667.80 Mapletree Ind Trust (10 Dec)
$397.11 Mapletree Log Trust (16 Dec)
$885.00 Frasers L&C Trust (23 Dec)
$854.00 Aims Apac Reit (24 Dec)
They amount to $7,961.51.
My passive income for the first 9 months of 2025 is $32,288.14
Altogether, my passive income for 2025 is
$40,249.65
This is 26% higher than the $31,746.03 of passive income for year 2024.
My target for 2025 is $36k and I am glad that my actual passive income surpassed it.
My ultimate goal to own an $1m investment portfolio generating at least $50k of annual passive income. Currently, I am at more than half of the journey as my SGX income, bond portfolio and SRS ultra long-term portfolios are valued at around $800K and passive income of $40k has crossed the 80% milestone of $50k.
As we are moving back to the low interest rates in light of potential recession and economic slowdown, the impact of low interest rates will fuel the resurgence of S-Reits and expected to strengthen the market prices of higher yield incoming-producing assets for the next few years, resulting in the strong performance of S-Reits. I remain optimistic holding a portfolio with a significant allocation to S-Reits alongside safe havens such as risk-free Singapore Savings Bonds and fixed deposits in local banks. In the next phase of my investment journey, I will slowly accumulate high-quality US stocks for growth and target to hit US$100k by the end of 2026.
2025 has been a peaceful and rewarding year despite being clouded by immense uncertainties and fears about inflation, recession, war, politics and so on.
I am optimistic and believe that 2026 will be a better year despite the looming recession and potential global economic slowdown which could present more opportunities for investors.
I anticipate the Federal Reserve to remain accommodative towards interest rates cuts to help mitigate global economic slowdown while balancing inflation concurrently. I embrace the resilience of the real estate market, with the potential for REITs to increase rentals and continue paying consistent dividends. The world will go round no matter what happens.
As investors, we shall continue to acquire income-producing businesses and assets to enhance our future passive income streams. Let us also look forward to the upcoming interest payouts from CPF in Jan 2026.
Disclaimer: This article is for informational purposes only and does not constitute financial advice. Investment decisions should be made based on individual circumstances and after careful consideration of risks and potential rewards.
Thanks for reading!
With love & peace,
Qiongster
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