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:
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$4,000/month into REITs (high dividend yield)
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$2,000/month into dividend stocks (growth & stability)
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$1,000/month into SSBs/T-bills (low risk)
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 $100K/year tax-free!
3️⃣ Monthly Investment Breakdown
| Asset Type | Monthly Investment ($) | 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?
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REITs give high cash flow early 🏢
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Stocks grow capital for long-term security 📈
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Bonds provide stability & emergency funds 💰
4️⃣ Fast-Track Strategy (If You Want to Retire Earlier)
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Bonus & Windfalls: Invest any extra cash (e.g., annual bonuses, tax refunds).
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CPF Voluntary Top-Ups: Earn risk-free 4%+ in CPF SA.
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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.
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)
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)
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)
📌 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!)
