Monthly Investment Plan to Reach $2M Faster

 

1️⃣ Assumptions for Growth Plan

📌 Current Portfolio: $0 (starting fresh)
📌 Annual Savings for Investment: ~$50,000 (from your income)
📌 Expected Portfolio Growth Rate: 6% per year (dividends reinvested)
📌 Investment Strategy:

• $4,000/month into REITs (high dividend yield)

• $2,000/month into dividend stocks (growth & stability)

• $1,000/month into SSBs/T-bills (low risk)

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2️⃣ How Long to Reach $2M?

If you invest $7,000/month consistently, here’s how long it will take:

Years	Portfolio Size ($)	Annual Passive Income ($)
5	~$470,000	~$25,000
10	~$1.1M	~$60,000
15	$2.0M	$107,000 ✅

📌 In ~15 years, you can retire with $100K/year tax-free!

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3️⃣ Monthly Investment Breakdown

Asset Type	Monthly Investment ($)	Allocation (%)
REITs (Keppel DC, Digital Core, Mapletree Ind)	$4,000	57%
Dividend Stocks (DBS, OCBC, SGX, ST Eng)	$2,000	29%
Bonds/SSBs (Safe Assets)	$1,000	14%
Total Monthly Investment	$7,000	100%

💡 Why this works?

• REITs give high cash flow early 🏢

• Stocks grow capital for long-term security 📈

• Bonds provide stability & emergency funds 💰

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4️⃣ Fast-Track Strategy (If You Want to Retire Earlier)

• Bonus & Windfalls: Invest any extra cash (e.g., annual bonuses, tax refunds).

• CPF Voluntary Top-Ups: Earn risk-free 4%+ in CPF SA.

• Increase Investment Amount: If you invest $10K/month, you’ll hit $2M in 12 years instead of 15!

First Month Investment Plan – Stock & REIT Buy List

Since you’re investing $7,000/month, here’s your optimized first-month buy list to balance dividend yield & growth.

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1️⃣ REITs – High Passive Income ($4,000 Allocation)

📌 Target: 6%+ dividend yield for tax-free income.

REIT	Sector	Yield (%)	Buy Amount ($)	Est. Shares
Keppel DC REIT	Data Centers	5.0%	$1,200	~470
Digital Core REIT	Data Centers	7.5%	$1,000	~850
Mapletree Industrial Trust	Industrial	6.0%	$1,000	~300
CapitaLand Integrated Trust	Retail/Office	5.5%	$800	~220

📌 Total REITs Investment: $4,000 (~$230/month dividends)

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2️⃣ Dividend Stocks – Growth & Stability ($2,000 Allocation)

📌 Target: 4–6% dividend yield for long-term stability.

Stock	Sector	Yield (%)	Buy Amount ($)	Est. Shares
DBS Bank	Banking	5.5%	$800	~14
OCBC Bank	Banking	6.0%	$600	~24
ST Engineering	Defense	4.2%	$600	~60

📌 Total Stock Investment: $2,000 (~$80/month dividends)

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3️⃣ Bonds/SSBs – Stability & Emergency Fund ($1,000 Allocation)

📌 Target: 3–4% safe return with flexibility.

Asset	Type	Yield (%)	Buy Amount ($)
Singapore Savings Bonds (SSB)	Govt Bonds	3.2%	$500
T-bills (6-month)	Govt Bonds	3.5%	$500

📌 Total Bonds Investment: $1,000 (~$30/month income, low risk)

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📌 Expected Monthly Passive Income from This Month's Buy:

✅ REITs Dividends: ~$230/month
✅ Stocks Dividends: ~$80/month
✅ Bonds Income: ~$30/month
🔹 Total: $340/month (tax-free!)