Dividend Snowball Roadmap: $100k to $1m in Singapore
1. Initial Portfolio Setup ($100,000)
Dividend Yield Target: 5% (Singapore REITs & Dividend Stocks)
Annual Dividend Income: $5,000
Monthly Contribution: $1,500
Dividend Reinvestment: 100%
Expected Portfolio Growth Rate: 7% (Capital appreciation + dividend yield)
Year 1 Portfolio Value:
Starting Capital: $100,000
Contributions: $18,000 ($1,500/month)
Dividend Income: $5,000 (reinvested)
Annual Growth (7%): $7,000
Year-End Value: $130,000
2. Accumulation Phase ($100k to $500k) (5-7 years)
Focus: Maximize monthly contributions and dividend reinvestment.
Increase contributions by 5% annually.
Maintain high dividend reinvestment.
Year 5 Portfolio Value:
Starting Capital: $130,000
Annual Contributions: ~$22,000
Annual Dividend Income: ~$11,500
Annual Growth (7%): ~$30,000
Year-End Value (Year 5): ~$280,000
Year 7 Portfolio Value:
Starting Capital: $280,000
Annual Contributions: ~$25,000
Annual Dividend Income: ~$16,000
Annual Growth (7%): ~$45,000
Year-End Value (Year 7): ~$400,000
3. Growth Phase ($500k to $1m) (5-6 years)
Focus: Maintain high-growth assets while slowly diversifying into more stable dividend payers.
Reinvest 80% of dividends; withdraw 20% if needed for lifestyle upgrades.
Year 10 Portfolio Value:
Starting Capital: $500,000
Annual Contributions: ~$30,000
Annual Dividend Income: ~$25,000
Annual Growth (7%): ~$55,000
Year-End Value (Year 10): ~$650,000
Year 13 Portfolio Value:
Starting Capital: $650,000
Annual Contributions: ~$35,000
Annual Dividend Income: ~$32,000
Annual Growth (7%): ~$70,000
Year-End Value (Year 13): ~$1,000,000
4. Post-$1m Dividend Snowball
Annual Dividend Yield: 5%
Annual Dividend Income: ~$50,000
Options: Reinvest 50%, withdraw 50% for early retirement or semi-retirement.
✨ Key Principles:
Consistency: Monthly contributions and dividend reinvestment are non-negotiable.
Growth Focus: Early portfolio phases should tilt towards growth stocks and high-yield REITs.
Diversification: Singapore REITs, global ETFs, and stable blue-chip stocks.
Tax Efficiency: Use CPF SA and SRS for tax relief and risk-free growth.
Dividend Snowball Roadmap: $100k to $1m in Singapore (9years time) Higher contribution of $2,500 per month, dividends reinvestment
1. Initial Portfolio Setup ($100,000)
Dividend Yield Target: 5% (Singapore REITs & Dividend Stocks)
Annual Dividend Income: $5,000
Monthly Contribution: $2,500
Dividend Reinvestment: 100%
Expected Portfolio Growth Rate: 8% (Capital appreciation + dividend yield)
Year 1 Portfolio Value:
Starting Capital: $100,000
Contributions: $30,000 ($2,500/month)
Dividend Income: $5,000 (reinvested)
Annual Growth (8%): $8,000
Year-End Value: $143,000
2. Accumulation Phase ($100k to $500k) (3-4 years)
Focus: Maximize monthly contributions and dividend reinvestment.
Increase contributions by 5% annually.
Maintain high dividend reinvestment.
Year 3 Portfolio Value:
Starting Capital: $143,000
Annual Contributions: ~$32,000
Annual Dividend Income: ~$8,000
Annual Growth (8%): ~$15,000
Year-End Value (Year 3): ~$260,000
Year 4 Portfolio Value:
Starting Capital: $260,000
Annual Contributions: ~$33,600
Annual Dividend Income: ~$13,000
Annual Growth (8%): ~$21,000
Year-End Value (Year 4): ~$370,000
3. Growth Phase ($500k to $1m) (3-4 years)
Focus: Maintain high-growth assets while slowly diversifying into more stable dividend payers.
Reinvest 80% of dividends; withdraw 20% if needed for lifestyle upgrades.
Year 6 Portfolio Value:
Starting Capital: $370,000
Annual Contributions: ~$35,000
Annual Dividend Income: ~$18,000
Annual Growth (8%): ~$30,000
Year-End Value (Year 6): ~$540,000
Year 8 Portfolio Value:
Starting Capital: $540,000
Annual Contributions: ~$36,750
Annual Dividend Income: ~$25,000
Annual Growth (8%): ~$43,000
Year-End Value (Year 8): ~$750,000
Year 9 Portfolio Value:
Starting Capital: $750,000
Annual Contributions: ~$38,500
Annual Dividend Income: ~$30,000
Annual Growth (8%): ~$55,000
Year-End Value (Year 9): ~$1,000,000
4. Post-$1m Dividend Snowball
Annual Dividend Yield: 5%
Annual Dividend Income: ~$50,000
Options: Reinvest 50%, withdraw 50% for early retirement or semi-retirement
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