Weekly Blog for a family man in Singapore

Hi, I’m James, the writer behind Lew Wen Wan Blog. I started this blog to share practical tips on personal finance, career growth, online business ideas, and lifestyle in Singapore. Here, you’ll find: 1. Actionable guides on saving, investing, and building side income. 2. Honest thoughts on health, career, and family life in Singapore. 3. My own journey towards financial independence and balanced living. Thanks for visiting, and I hope you’ll find ideas here that inspire your next step.

5 Online Business Ideas You Can Start in Singapore (Low Cost, High Potential)

If you’re living in Singapore and looking for ways to earn extra income online, the good news is that there are more opportunities today than ever before. Whether you’re a busy professional, a parent with only a few hours in the evening, or someone planning for early retirement, there are flexible side hustles you can start with minimal investment.

In this guide, I’ll share 5 proven online business models that are beginner-friendly, scalable, and relevant for Singaporeans. I’ll also break down startup costs, earning potential, and how long it realistically takes to see results.

1. Blogging + Affiliate Marketing (Niche Authority Site)

Why Blogging Works

Blogging has been around for decades, but it’s still one of the most reliable ways to build passive income. When you publish valuable content on a niche topic, you can monetize with Google AdSense, affiliate programs, and even your own digital products.

The demand for high-quality content never goes away — especially in niches like finance, career growth, vegetarian diet, health, and data centers (all highly searched in Singapore).

How to Get Started

Pick a niche you’re passionate about. For example, CPF hacks, vegetarian meal plans, or data center careers.
Set up a blog: You can start on Blogger for free, but for better growth, consider WordPress with hosting (~S$200/year).
Publish consistently: Aim for 2–3 SEO-friendly articles per week (1,000+ words each).
Promote your blog: Share on LinkedIn, Facebook groups, or Reddit communities in Singapore.

Monetization Options

Google AdSense (display ads).
Affiliate programs: Amazon.sg, Lazada, Shopee, Seedly, or even online courses.
Digital products: E-books, checklists, templates.

Realistic Earnings

In the first 6 months: S$150–S$400/month (if you build up 20–30 articles).
In 2–3 years: S$2,000–S$5,000/month with consistent traffic.

💡 Example: A blog about “Singapore retirement planning” could earn via AdSense and promote CPF investment guides as affiliate products.

2. YouTube Channel (Educational or Review-Based)

Why YouTube Works

Video is the fastest-growing content format. Even with just your phone and a basic microphone, you can start creating videos that attract thousands of viewers.

In Singapore, niches like finance hacks, tech reviews, and lifestyle vlogs do especially well. Plus, once you hit 1,000 subscribers and 4,000 watch hours, you can monetize via YouTube ads.

How to Get Started

Pick a niche:
- Finance: CPF, investing tips, savings hacks.
- Tech: Data center certifications, gadget reviews.
- Lifestyle: Cost of living, food hunts, retirement in Singapore.
Post 1–2 videos per week (5–10 minutes each).
Use free tools like CapCut or DaVinci Resolve for editing.
Promote your videos on TikTok, Instagram Reels, and Reddit threads.

Monetization Options

YouTube AdSense.
Affiliate links (add in video descriptions).
Sponsorships once your channel grows.

Realistic Earnings

After 6 months: Expect 100–500 subscribers.
After 12–18 months: S$500–S$2,000/month.
With sponsorships: Some Singapore YouTubers earn S$10k+/month.

💡 Example: A Singapore channel that reviews “best hawker stalls under $5” can get viral traction while also monetizing via food delivery affiliate links.

3. Digital Products (E-Books, Templates, Online Courses)

Why Digital Products Work

Digital products are powerful because they require one-time effort but generate recurring sales. Once created, you can sell them 24/7 without extra cost.

Given your background (engineering management, program management), you can package your expertise into templates, SOPs, or guides that others would gladly pay for.

How to Get Started

Create guides and templates for:
- Project management (risk matrices, PMP study guides).
- Data center operations (SOP checklists).
- Productivity (time management planners).
Sell them on Gumroad, Etsy, or directly on your blog.
Later, expand into mini-courses on Udemy or Teachable.

Realistic Earnings

In 6 months: S$200–S$500/month (if you promote on LinkedIn and niche forums).
In 2 years: S$2,000–S$5,000/month.

💡 Example: A simple “Excel template for project risk management” priced at S$10 could sell hundreds of copies if marketed on LinkedIn.

4. Freelance Consulting (Remote Advisory)

Why Consulting Works

Many Singapore SMEs and startups need process setup, project planning, or compliance consulting but don’t want to hire full-time staff. That’s where you can step in as a freelance consultant.

How to Get Started

Offer consulting packages such as:
- S$100–S$200/hour for strategy calls.
- S$500–S$2,000 for project templates or process documentation.
Market yourself on LinkedIn, Upwork, and Fiverr.
Use content marketing (blogs, LinkedIn posts, YouTube) to attract leads.

Realistic Earnings

First 6 months: S$500–S$1,000/month (1–2 clients).
After scaling: S$5,000–S$10,000/month.

💡 Example: A consultant offering “ISO certification prep for SMEs in Singapore” could easily charge S$1,000+ per project.

5. AI-Powered Niche Website or Tool

Why AI Tools Work

AI is booming, and many niches remain underserved. Building a simple AI tool can create recurring passive income.

Examples:

CPF Retirement Calculator.
Singapore Cost of Living Estimator.
AI Resume Optimizer for fresh grads.

How to Get Started

Use No-Code tools like Bubble, Glide, or Tilda.
Plug into AI APIs (like ChatGPT, Google AI).
Monetize via:
- Ads + affiliate links.
- Premium subscriptions.

Realistic Earnings

In 6 months: S$150–S$300/month.
If scaled: S$1,000–S$10,000/month.

💡 Example: A “Singapore CPF Projection Tool” could go viral if it helps users visualize retirement savings.

Comparison Table: Startup Cost vs. Potential

Business Idea	Startup Cost	Weekly Time	6-Month Income	2-Year Potential
Blogging + Affiliate	~S$200	6–8 hrs	S$150–400	S$5,000+/month
YouTube Channel	S$0–300	6–8 hrs	S$100–500	S$10,000+/month
Digital Products	S$0–100	4–6 hrs	S$200–500	S$5,000/month
Freelance Consulting	S$0	4–6 hrs	S$500–1,000	S$10,000+/month
AI Niche Tool	S$50–500	6–8 hrs	S$150–300	S$10,000+/month

Final Thoughts

Starting an online business in Singapore doesn’t require quitting your day job or investing thousands of dollars. What matters most is consistency and choosing a model that fits your skills and schedule.

If you want long-term passive income → Start with blogging or YouTube.
If you want quick wins → Try freelancing or selling digital products.
If you love tech and innovation → Build an AI-powered tool.

👉 The key is to start now, learn as you go, and scale steadily. Even if you only invest a few hours each week, by this time next year you could have a solid second income stream.

20 year Roadmap to hit $10M SGD networth from $30k annual Salary

Here’s a full 20-year roadmap for the Aggressive Plan to hit $10M SGD net worth starting from $30k annual salary. This plan combines career growth, business, property, and investments.

✅ 20-Year Aggressive Plan Roadmap (Starting at $30k Salary)

Phase 1: Years 1–5 (Foundation & Skills)

Goals:

Rapid career growth from $30k → $80k annual salary
Build core skills & certifications (PMP, Cloud, Data Center, etc.)
Start side hustle (content, consulting, e-commerce)
Begin investing in low-cost ETFs

Actions:
✔ Save 50% of salary (live lean) → $15k/year
✔ Start investing $1k/month in ETFs (S&P 500, STI ETF)
✔ Start side hustle (blogging, YouTube, freelance) → earn $5k/year by Year 5
✔ Network aggressively for future business opportunities

End of Year 5 Targets:

Salary: $80k/year
Business: $10k profit/year
Investments: ~$60k–$70k (6–8% returns)
Net Worth: ~$150k–$250k

Phase 2: Years 6–10 (Property & Business Scale-Up)

Goals:

Move into six-figure salary role ($150k)
Scale side hustle into full business ($100k/year profit)
Buy first and second property using leverage

Actions:
✔ Save 50% of salary + all business profit
✔ Invest $2k–$3k/month into global ETFs + REITs
✔ Start Pte Ltd business (consulting, digital, or scalable e-commerce)
✔ Year 6: Buy first property (HDB resale or condo, $500k–$800k, 25% equity)
✔ Year 9–10: Buy second property using equity from first

End of Year 10 Targets:

Salary: $150k/year
Business: $100k profit/year
Properties: 2 (combined value ~$1.5M, equity ~$300k–$400k)
Portfolio: ~$300k
Net Worth: ~$1.5M–$2.5M

Phase 3: Years 11–15 (Business Expansion & Real Estate Growth)

Goals:

Business scales to $250k profit/year
Buy third property (investment property or overseas)
Grow investment portfolio past $1M

Actions:
✔ Increase salary to $200k (senior leadership or partial exit from corporate to full-time business)
✔ Reinvest business profits into expansion (hire team, automation)
✔ Year 12–13: Buy third property
✔ Invest $5k/month into ETFs + REITs
✔ Begin angel investing or startup equity with excess cash

End of Year 15 Targets:

Salary: $200k/year
Business: $250k profit/year, valuation ~$3M
Properties: 3 (combined value ~$3M, equity ~$1M)
Portfolio: ~$500k–$700k
Net Worth: ~$5M–$6M

Phase 4: Years 16–20 (Big Scale & Exit Strategy)

Goals:

Scale business to $500k/year profit
Grow property portfolio to 4 properties
Hit $10M net worth through business valuation + investments

Actions:
✔ Year 16–17: Buy fourth property (or overseas property for diversification)
✔ Grow business revenue to $2M+/year with 25% margin → profit $500k/year
✔ Consider partial business sale or IPO to realize $5M–$8M liquidity
✔ Portfolio grows with aggressive investment strategy
✔ Maintain low personal expenses to reinvest maximum profits

End of Year 20 Targets:

Salary: $250k/year (or full-time entrepreneur)
Business: $500k profit/year, valuation ~$5M–$8M
Properties: 4 (value ~$4M, equity ~$1.5M)
Portfolio: ~$1.5M
Total Net Worth: ~$8M–$12M

✅ Cash Flow & Net Worth Projections (Every 5 Years)

Year	Salary	Business Profit	Properties	Portfolio	Net Worth
5	$80k	$10k	0	$60k	$150k–$250k
10	$150k	$100k	2 (Equity: $400k)	$300k	$1.5M–$2.5M
15	$200k	$250k	3 (Equity: $1M)	$700k	$5M–$6M
20	$250k	$500k	4 (Equity: $1.5M)	$1.5M	$8M–$12M

comparison table showing Conservative, Moderate, and Aggressive scenarios with milestones every 5 years, based on starting at $30k annual salary and aiming for $10M net worth:

✅ Net Worth Growth & Key Actions Table (20-Year Horizon)

Year	Conservative (Salary + Stocks)	Moderate (Career + Property + Side Hustle)	Aggressive (Career + Business + Property)
0	Salary: $30k Savings: $0	Salary: $30k Savings: $0	Salary: $30k Savings: $0
5	Net Worth: ~$60k–$80k - Salary: $50k - Save 30% ($9k–$15k/year) - Invest in ETFs (6%)	Net Worth: ~$120k–$180k - Salary: $60k - Save 40% - Side hustle: $5k/year - Buy 1st property ($500k value, 25% equity)	Net Worth: ~$150k–$250k - Salary: $80k - Save 50% - Start business (profit $10k/year) - Invest aggressively
10	Net Worth: ~$350k–$450k - Salary: $80k - Portfolio: Stocks $250k - No property	Net Worth: ~$800k–$1M - Salary: $120k - 1–2 properties (equity $250k) - Side hustle: $10k/year - Portfolio: $200k	Net Worth: ~$1.5M–$2.5M - Salary: $150k - Business: $100k/year profit - 2 properties - Portfolio: $300k
15	Net Worth: ~$1M - Salary: $120k - Portfolio: ~$700k - CPF: $200k	Net Worth: ~$2.5M–$3M - Salary: $180k - Properties: 2–3 (equity $800k) - Side hustle: $20k/year - Portfolio: $500k	Net Worth: ~$5M–$6M - Salary: $200k - Business: $250k/year profit (valuation $3M) - Properties: 3 (equity $1M) - Portfolio: $500k
20	Net Worth: ~$2M–$2.2M - Salary: $150k - Portfolio: ~$1.8M - CPF: $300k	Net Worth: ~$4M–$5M - Salary: $250k - Properties: 3–4 (equity $1.5M) - Side hustle: $20k/year - Portfolio: $1M	Net Worth: ~$8M–$12M - Salary: $250k - Business: $500k/year profit (valuation $5M–$8M) - Properties: 4 (equity $1.5M) - Portfolio: $1.5M

✅ Key Differences

Conservative: Pure salary + investments → $2M max after 20 years.
Moderate: Add property + side hustles → $4M–$5M after 20 years.
Aggressive: Build a business + invest + property → $8M–$12M possible.

Is it possible to hit a $10million dollars networth from zero with SGD30k pe Annum

Assumptions (Baseline for All Scenarios)

Starting salary: $30,000/year
Salary growth: 5–10% annually (with career moves)
Savings rate: Depends on lifestyle (30–70%)
Investment returns:
- Conservative: 6% p.a.
- Moderate: 8% p.a.
- Aggressive: 10–12% p.a.
Currency: All in SGD
Timeline: 20–25 years

✅ Scenario 1: Conservative Approach (Slow Growth, No Business)

Goal: Rely on salary growth, disciplined saving, and safe investments.

Years 1–5:
- Salary grows from $30k → $50k.
- Save 30% ($9k–$15k/year) = ~$60k in 5 years.
- Invest in low-cost index funds (S&P 500, STI ETF).
Years 6–10:
- Salary: $50k → $80k.
- Save 40% ($20k–$32k/year).
- Total investment: ~$350k after 10 years (6% return compounded).
Years 11–20:
- Salary: $80k → $150k.
- Save 50% ($40k–$75k/year).
- Invest in REITs + global ETFs for dividend income.
- After 20 years: ~$1.8M–$2.2M (with compounding).

✅ Result after 20 years: $2M+ net worth
❌ Far from $10M without extra sources of income.

✅ Scenario 2: Moderate Approach (Career + Property + Side Hustles)

Goal: Combine high-income job + property investing + side hustles.

Years 1–5:
- Same as Scenario 1, but start freelancing or consulting → extra $5k–$10k/year.
- Save aggressively and buy first property by Year 5 (use leverage).
Years 6–10:
- Salary: $80k → $150k (fast-track promotions).
- Save 50% → invest in 2nd property using equity from the first.
- Rental income + capital appreciation (~4% p.a.).
Years 11–20:
- Salary: $150k → $250k.
- Side hustle income: $20k/year (consulting, online biz).
- Portfolio: Stocks ($1M) + Properties (worth $3M, net equity $1.5M).

✅ Result after 20 years: $4M–$5M net worth
✅ You can retire early, but still short of $10M without business scaling.

✅ Scenario 3: Aggressive Approach (Career + Business + Investments)

Goal: Use entrepreneurship or a scalable business + smart investments.

Years 1–5:
- Salary: $30k → $80k (career jumps).
- Save 50% and start a side business (e-commerce, content, consulting).
- Business generates $20k/year by Year 5.
- Invest profits in stocks.
Years 6–10:
- Salary: $80k → $150k.
- Business scales to $100k/year profit.
- Buy 2 properties using leverage.
- Investment portfolio: ~$300k by Year 10.
Years 11–20:
- Salary: $150k → $250k.
- Business revenue grows to $500k/year with 20–30% profit margin (scalable model).
- Net business value: $5M–$8M by Year 20 (if sold or partially liquidated).
- Portfolio + properties = $2M–$3M.

✅ Result after 20 years: $8M–$12M net worth possible
✅ Achieves $10M only with a successful business + high income.

🔑 Key Takeaways

With just salary + investments, $10M is nearly impossible unless you earn $400k+/year for decades.
To hit $10M starting from $30k/year, you MUST:
✅ Boost income massively (career growth or high-demand skills).
✅ Start a scalable business by Year 5–10.
✅ Leverage real estate (not over-leverage).
✅ Invest aggressively (stocks + REITs + global ETFs).

Training for the 10km run for POSB run 2-Nov-2025

My Training plan to hit below 1 hour for the 10km run for POSB run 2-Nov-2025

Here’s my structured 6-week weekly plan (running + strength + diet):

🏃 Training Plan (21 Sep – 2 Nov 2025)

Weekly Structure

4 Runs per week
2 Strength/conditioning sessions
1 Rest/recovery day

Week 1 (21–27 Sep) – Base Building

Mon – Rest or light yoga/walk
Tue – Easy run 5 km (comfortable pace, ~7:00/km)
Wed – Strength (bodyweight: squats, lunges, push-ups, planks, 3 sets each)
Thu – Intervals: 6 × 400m @ 5:30/km pace, 200m jog recovery
Fri – Rest
Sat – Long run 7 km at ~6:45–7:00/km pace (do at Pandan Reservoir)
Sun – Cross-training (cycling, brisk walk, swimming ~40 min)

Week 2 (28 Sep – 4 Oct) – Aerobic + Endurance

Tue – Easy run 6 km
Wed – Strength (add resistance bands/dumbbells if possible)
Thu – Tempo run: 5 km @ 6:15–6:30/km pace
Sat – Long run 8 km @ 6:45–7:00/km
Sun – Recovery jog 4 km

Week 3 (5–11 Oct) – Speed Focus

Tue – 6 × 500m @ 5:30/km pace, 200m jog recovery
Wed – Strength (core focus: planks, Russian twists, leg raises, side planks)
Thu – Easy run 5 km
Sat – Long run 9 km @ 6:45–7:00/km
Sun – Recovery jog/cross-training

Week 4 (12–18 Oct) – Peak Build

Tue – Tempo 6 km @ 6:10–6:20/km
Wed – Strength (add step-ups, deadlifts if gym available)
Thu – Intervals: 8 × 400m @ 5:20/km pace
Sat – Long run 10 km @ ~6:40/km
Sun – Easy run 5 km

Week 5 (19–25 Oct) – Sharpening

Tue – 5 km easy
Thu – Tempo 6 km @ goal pace (6:00/km)
Sat – Long run 8 km (start at 6:45/km, last 2 km @ 6:00/km)
Sun – Recovery jog 4 km

Week 6 (26 Oct – 1 Nov) – Taper

Tue – 5 km easy
Thu – 4 × 400m @ 5:20/km, light jogs between
Sat – Easy 3 km shakeout run
Sun (Race Day – 2 Nov) – 10 km race! 🚀 Aim for steady 5:55–6:00/km pace.

💪 Strength & Conditioning

Core (3× per week, short 10 min): planks, side planks, glute bridges, bicycle crunches.
Leg strength: squats, lunges, calf raises, step-ups.
Mobility: foam rolling, hip stretches, hamstring stretches after runs.

🥗 Diet Plan (Support Running & Recovery)

Daily Nutrition

Carbs (50–55%) – brown rice, wholegrain bread, oats, fruits.
Protein (20–25%) – tofu, tempeh, eggs, chicken, fish, lentils.
Healthy fats (20–25%) – nuts, avocado, olive oil, fish.
Hydration – 2–3 L water daily, extra on running days.

Pre-run fuel

Light: banana + peanut butter / toast + honey (30–60 mins before).

Post-run recovery

Protein + carb combo within 30–60 mins (e.g., chocolate milk, chicken rice with extra veg, salmon + sweet potato).

Race week (26 Oct – 2 Nov)

Focus on balanced meals, slightly higher carbs (rice, pasta, noodles).
Day before race (1 Nov):
- Breakfast/lunch normal,
- Dinner: pasta/noodles + lean protein + veggies.
Race day breakfast: toast + honey/banana, water (2–3 hrs before).

🗓 10km Training Plan – Teban Gardens → POSB Run (Sub-60 min)

Duration: 21 Sep – 2 Nov 2025 (6 weeks)

Date	Day	Training
Week 1 (Base Build)
21 Sep	Sun	Cross-training (cycling, brisk walk, swim ~40 min)
22 Sep	Mon	Rest / light yoga
23 Sep	Tue	Easy run 5 km @ ~7:00/km
24 Sep	Wed	Strength (squats, lunges, push-ups, planks)
25 Sep	Thu	Intervals: 6 × 400m @ 5:30/km pace, 200m jog recoveries
26 Sep	Fri	Rest
27 Sep	Sat	Long run 7 km @ 6:45–7:00/km
Week 2 (Aerobic + Endurance)
28 Sep	Sun	Recovery jog 4 km
29 Sep	Mon	Rest
30 Sep	Tue	Easy run 6 km
1 Oct	Wed	Strength (add resistance bands/dumbbells if possible)
2 Oct	Thu	Tempo run 5 km @ 6:15–6:30/km
3 Oct	Fri	Rest
4 Oct	Sat	Long run 8 km @ 6:45–7:00/km
Week 3 (Speed Focus)
5 Oct	Sun	Recovery jog / cycling ~40 min
6 Oct	Mon	Rest
7 Oct	Tue	Intervals: 6 × 500m @ 5:30/km, 200m jog recoveries
8 Oct	Wed	Strength (core focus: planks, leg raises, twists)
9 Oct	Thu	Easy run 5 km
10 Oct	Fri	Rest
11 Oct	Sat	Long run 9 km @ 6:45–7:00/km
Week 4 (Peak Build)
12 Oct	Sun	Easy jog 5 km
13 Oct	Mon	Rest
14 Oct	Tue	Tempo run 6 km @ 6:10–6:20/km
15 Oct	Wed	Strength (add step-ups, deadlifts if gym available)
16 Oct	Thu	Intervals: 8 × 400m @ 5:20/km pace
17 Oct	Fri	Rest
18 Oct	Sat	Long run 10 km @ ~6:40/km
Week 5 (Sharpening)
19 Oct	Sun	Easy run 5 km
20 Oct	Mon	Rest
21 Oct	Tue	Easy run 5 km
22 Oct	Wed	Strength (light, focus on mobility & core)
23 Oct	Thu	Tempo 6 km @ goal pace (6:00/km)
24 Oct	Fri	Rest
25 Oct	Sat	Long run 8 km (last 2 km @ 6:00/km)
Week 6 (Taper)
26 Oct	Sun	Recovery jog 4 km
27 Oct	Mon	Rest
28 Oct	Tue	Easy run 5 km
29 Oct	Wed	Strength (very light: bodyweight only)
30 Oct	Thu	Intervals: 4 × 400m @ 5:20/km, light jogs
31 Oct	Fri	Rest
1 Nov	Sat	Shakeout run 3 km (easy pace)
Race Week
2 Nov	Sun	POSB Run 10 km 🎉 – Target pace 5:55–6:00/km → Finish < 60 mins

Realistic portfolio to hit 10million net worth from 1 million

📌 Realistic Portfolio Allocation for You

1. Core (Safe & Compounding Base ~40%)

CPF OA/SA/MA ($325k now → $550k in 10 yrs): grows 4–5% risk-free.
SGX Dividend Portfolio ($350k now): reinvest $30k/year dividends → ~$1M in 10 yrs.
Acts as your “ballast” — steady, reliable.

2. Growth (Global Equities ~35%)

Current: $95k (S&P 500 + Tech + US stocks).
Add $50k/year into global ETFs (S&P 500, Nasdaq, MSCI World).
At 10% CAGR → ~$1.5M–1.8M in 10 yrs.
Balances local exposure with high-growth sectors.

3. Leverage Play: Property (~20%)

Use your $170k cash + annual savings for an investment property.
Example: $1.5M condo with 25% down (~$375k).
Rental yield + 3% annual appreciation = 8–10% leveraged ROI.
After 10 yrs → ~$3M net equity.
This is your realistic “accelerator” (since salary + CPF alone won’t 10x).

4. Optional Moonshot (5–10%)

Allocate $10k–20k/year to higher-risk bets:
- Tech startups (via angel platforms).
- Small-cap growth stocks.
- Crypto (BTC/ETH only, no meme tokens).
If one works, could add $1M+ upside. If not, you lose only small %.

📊 Realistic Projection (10 Years)

Source	Today	10-Year Value
CPF	$325k	$550k
SGX Dividend Stocks	$350k	$1M
Global Equities (S&P, Tech)	$95k	$1.5M–1.8M
Property (1–2 leveraged)	–	$3M–4M
Annual Savings Invested	–	$1.5M–2M
Moonshot (crypto/startup)	–	$0.5M–1M
Total	~$940k	$8M–10M

🚦 Key Points

Without property leverage or business, you’ll likely cap at ~$5M–6M.
With 1–2 property plays + disciplined investing, $8M–10M is realistic.
The moonshot allocation is optional but increases chance of breaking $10M.

📅 10-Year Portfolio Growth Roadmap (SGD)

Starting Point (2025)

Salary (after CPF): $120k/year
Savings capacity: ~$100k/year
Net worth: ~$940k
- SGX dividend stocks: $350k
- Global equities: $95k
- CPF: $325k
- Cash: $170k

Years 1–2 (2025–2026): Build Foundation

SGX Dividend Stocks → Hold $350k, reinvest dividends ($30k/year).
Global ETFs → Add $50k/year into S&P 500 / MSCI World.
Cash → Reserve $150k for property downpayment.
CPF → Let compound (4–5%/yr).
Moonshot → Start $10k/year in crypto (BTC/ETH) or tech startups.

Goal by end-2026: Net worth ~$1.3M–1.4M.

Years 3–4 (2027–2028): Enter Property Market

Buy Investment Property (~$1.5M condo, $375k down incl. stamp duties).
Rental yield covers mortgage partly, cash flow neutral or slightly negative.
Net worth growth from property appreciation + loan paydown.
Continue $50k/year into global equities.
Keep dividend portfolio growing.

Goal by end-2028: Net worth ~$2M–2.5M.

Years 5–6 (2029–2030): Compound & Scale

Property equity grows → consider 2nd property (if loan eligibility allows).
Global ETFs now ~$500k–600k.
SGX dividends ~$40k–50k/year.
CPF ~$420k–450k.
Moonshot bets could start showing 2x–3x returns.

Goal by end-2030: Net worth ~$4M–5M.

Years 7–8 (2031–2032): Acceleration Phase

Property: hold 1–2, refinance if possible, continue equity build.
Global equities: ~$800k–1M.
SGX dividends: ~$60k/year reinvested.
CPF ~$500k+.
Reinvest aggressively in high-quality assets.

Goal by end-2032: Net worth ~$6M–7M.

Years 9–10 (2033–2035): Push to $10M

Dividends + property rental could now exceed $100k/year passive.
Portfolio (stocks + ETFs + CPF) ~$3M–3.5M.
Properties (net equity) ~$3M–4M.
Savings added ~$1M over 10 yrs.
Moonshot (if lucky) $0.5M–1M.

Goal by 2035: $8M–10M net worth.

📊 Allocation Summary by 2035

CPF: $550k
SGX dividend stocks: $1M
Global equities (S&P/Tech): $1.5M–1.8M
Properties: $3M–4M
Annual savings invested: $1.5M–2M
Moonshot optional: $0.5M–1M

✅ Realistic Path: $8M–10M in 10 years if disciplined with savings + property + equities.
⚠️ Risk: Property cycles, global recessions, job stability, or moonshot failure.

How a salary worker can accumulate to 10 million Networth in 10 years

Assuming a worker who earns about $10k after CPF deduction and bonus per year in Singapore.

Salary (after CPF): $120k/year (~$10k/month take-home, plus CPF employer/employee not included here).
Investments:
- SGX dividend portfolio: $350k (yielding $30k/year, ~8.6% yield — very good).
- Endowus S&P 500: $55k.
- Endowus Tech Fund: $25k.
- US stocks: $15k.
- Cash: $170k.
- CPF savings: $325k.
Total Net Worth (excluding property): ≈ $940k SGD.

🎯 Target: $10M Net Worth in 10 Years

That’s a 10.6x increase from ~$940k.
Mathematically, you need about 26% CAGR over 10 years.

This is very aggressive — much higher than passive investing returns. So you’ll need a mix of: disciplined investing, high savings rate, leverage, and/or business ventures.

🔑 Step 1: Annual Savings Capacity

Salary after CPF: $120k.
Dividend income: $30k (growing over time).
Total investable cash inflow: ~$150k/year before expenses.

If I save/invest $100k per year, that alone adds $1M fresh capital in 10 years (without compounding). So savings are important but won’t get me to $10M by themselves — I need high returns too. Assuming i keep my expenses within 50k per year and invest the rest of the money which amounts to $4k+ per month.

🔑 Step 2: Portfolio Strategy to $10M

Here’s how you can structure your plan:

1. Keep the Dividend Portfolio (SGX $350k)

Strong base of $30k/year dividends.
Reinvest all dividends → compounding effect.
Over 10 years at 8% yield + 3% growth → ~$800k–$1M.

2. Aggressively Grow Global Equities (S&P 500 + Tech + US stocks)

Currently $95k (55k + 25k + 15k).
If you inject $50k/year into global ETFs/funds and assume 10% CAGR, this could reach ~$1.2M–1.5M in 10 years.

3. Deploy Cash ($170k)

Don’t leave idle.
Put half ($85k) into S&P 500/Global ETFs, half into opportunity fund (for property/market crashes).

4. CPF Growth ($325k)

CPF grows ~4–5% annually risk-free.
In 10 years → ~$500k–550k.

5. Property Investment (Leverage Play)

This is where you can 10x.
With $170k cash + $100k yearly savings, you can enter an investment property with leverage (e.g., $1.5M property with 25% down).
If property appreciates 3–4% yearly and you use leverage, ROI can be 8–12% annually, compounding with rental income.
Two good property plays in 10 years → $2M–3M upside possible.

6. Side Business / High-Leverage Venture

Consider allocating 10–15% of savings into a scalable business or startup (e.g., online business, consultancy, or joint venture).
Even 1 successful venture could add $1M–3M.
But treat it as high-risk/high-reward.

📊 Projected Path (10 Years)

SGX dividend stocks → $1M.
Global ETFs/US stocks → $1.5M.
CPF → $0.5M.
Savings invested annually (100k/year) → $1.5M–2M.
Property (1–2 leveraged properties) → $3M–4M.
Side business / luck factor → $1M–2M (if successful).

👉 Total possible range: $8M–10M in 10 years.

This assumes:
✅ High savings discipline (~100k/year invested).
✅ Aggressive allocation into equities & property.
✅ Reinvestment of dividends (no lifestyle inflation).
✅ One leverage play (property or business) working well.

🚦 Probability of Reaching $10M

Conservative investing only (stocks + CPF + dividends): 20–25% chance → likely ~$4M–5M in 10 years.
With property leverage: 40% chance → $7M–8M.
With property + side business or lucky moonshot: 15–20% chance → $10M+.

How to grow 1 million networth to 10 million networth in 10 years time?

I have reached 1-million-dollar net worth. My next goal is to reach 10-million-dollar net worth in 10 years' time. I've asked Chat GPT what the 10 ways are to hit the 10-million-dollar net worth and what are the probability of success.

Here are 10 possible ways, with a rough probability of success (my estimates, not guarantees):

1. Aggressive Stock/ETF Investing

Invest in growth stocks, small caps, tech, or emerging markets.
Requires discipline, timing, and risk tolerance.
CAGR target: 15–25%.
Probability of success: ⭐⭐ 15–20%.
(Possible, but hard to sustain 10 years without major drawdowns.)

2. Real Estate Development / Leveraged Property Investing

Buy undervalued property, use leverage, develop/rent, and compound profits.
Works especially in fast-growing cities like Singapore, Malaysia, or overseas hotspots.
CAGR target: 20–30% (with leverage).
Probability of success: ⭐⭐⭐ 25–30%.
(Good if you understand property cycles and financing.)

3. Build & Scale a Business

Starting your own company with scalable growth (tech, e-commerce, services).
Businesses can grow much faster than passive assets.
CAGR target: 30–50% (if successful).
Probability of success: ⭐ 5–10%.
(High upside, but most businesses fail before scaling.)

4. Private Equity / Angel Investing

Invest in startups or private businesses before they grow.
Can return 10x or more if you pick winners.
CAGR target: 25–50%.
Probability of success: ⭐ 5–10%.
(High risk; most fail, but a few huge winners can carry portfolio.)

5. High-Level Career + Stock Options

Work in top roles (tech, finance, biotech), negotiate stock options.
E.g., executives at FAANG, startups, or unicorns.
CAGR target: 20–30% via comp + equity.
Probability of success: ⭐⭐ 10–15%.
(Needs career leverage + luck with company success.)

6. Hedge Fund / Quant Trading

Active trading in equities, futures, or crypto with strategies.
Needs skill, system, and discipline.
CAGR target: 25–40%.
Probability of success: ⭐⭐ 10–15%.
(Possible if you’re exceptional, but most traders lose long-term.)

7. Cryptocurrency & Blockchain Ventures

Investing in crypto projects, tokens, or blockchain businesses.
10x is possible (crypto already produced many 10x cases).
CAGR target: 30–60%.
Probability of success: ⭐ 5–10%.
(High volatility; huge upside, but timing is everything.)

8. Franchising / Multiple Businesses

Buy or start franchises, scale to multiple outlets.
Cash flow + reinvestment accelerates growth.
CAGR target: 20–25%.
Probability of success: ⭐⭐ 15–20%.
(If you pick the right franchise model and location.)

9. Combination Strategy (Barbell Approach)

Core safe investments (bonds, index ETFs) + high-risk bets (startups, crypto, trading).
Limits downside while keeping upside open.
CAGR target: 20–25%.
Probability of success: ⭐⭐⭐ 25–30%.
(Balanced risk, not all eggs in one basket.)

10. Partnerships & Joint Ventures

Team up with others to pool capital, skills, and networks.
Could be in real estate, startups, or funds.
CAGR target: 20–30%.
Probability of success: ⭐⭐ 15–20%.
(Stronger with good partners; weaker if trust or management issues arise.)

🔑 Key Takeaways

To grow $1M → $10M in 10 years, you need very high returns (~26%/yr).
Safe passive investing won’t cut it (likely $2–3M max in 10 years).
Realistic best bets: property leverage, building/scaling a business, or barbell strategy (some safe + some moonshot bets).
Probabilities: Only 10–30% chance realistically, unless you take big risks and succeed.