Investment Passive Income

green plant in clear glass vase

Every dollar I earn, save and get from my investment is a soldier that I will get to work harder to make more for more.

Imagine if I have $100,000. This means that my mindset is that I have 100,000 employees whose #1 job is to get me 5%, 6%….15%+ and more each financial year.

The goal is making your money work harder for you by investing in assets (businesses, stocks, rental properties, cryptocurrency etc) with the expectation that it goes up in value (capital gain) and/or it pays your dividends and income (cashflow) consistently.

My approach to investment passive income

My investment passive income streams are invested in assets, properties and vehicles that are

  1. lower risk ie “safer”, defensive and resilient, not high risk experimental investments for the majority of the investments
  2. pays me passive income regularly
  3. can double/multiply as fast as possible

Beginner Investors Articles

  1. Investors 101
  2. Best investing strategies
  3. Investing with little money
  4. Best short term investments

Investment Passive Income Options

Index funds

One of the easiest way to invest for passive income is investing in index funds regularly – this KISS (keep it simple stupid) approach is good enough for most people.

An index fund is a mutual fund or exchange-traded fund designed to follow certain preset rules so that the fund can track a specified basket of underlying investments

In fact, many banks can help you auto-invest a portion of your earnings / income into index funds to make it even easier for you to auto-invest a portion of your earnings and savings year on year.

The simplest and possibly best “set-and-forget” approach.

Exchange Traded Funds (ETFs)

Such as individual companies as well as REITs, favoring those that pay out dividends

  • regularly (1-4x per year)
  • stable and/or growing dividends

Real Estate Rental Properties

  • Investing 101
  • Best investing strategies
  • Investing with little money
  • Best short term investments

Cryptocurrency

Do not FOMO or YOLO into crypto projects – do your research and do not rush. There are risks of losing all the amounts you invest or speculate in crypto projects.

Cryptocurrency refers to digital currencies as well as blockchain projects including NFTs (non-fungible tokens) and can be very risky to trade and speculate. However, at the same time, they can be very profitable  as well.

I have a portion of investments in cryptocurrency (entered since 2017) and have ridden through blood-red markets, fuds and winter, so I have experienced a portion of what it is like to invest in cryptocurrency.

Cryptocurrency 101

Cryptocurrency Platforms

Cryptocurrency Passive Income: Staking

How Much To Allocate To Cryptocurrency Portfolio?

“We recommend people allocate 1% to 5% [of a portfolio to crypto]. It’s very high risk, so it must be a long-term investment and people need to look at it like a small cap tech stock,” says Ross Gerber, CEO of Gerber Kawasaki Wealth and Investment Management.

Wealth investment groups (and institutions) are increasingly receptive to having some exposure to cryptocurrency as alternative investments. In fact, some of the more well known large companies that invest or hold a portion of their excess cash in cryptocurrency includes:

  • MicroStrategy Inc which holds more than 122,000 BTC
  • Tesla holds more than 42,000 BTC
  • Galaxy Digital Holdings holds 16,400 BTC
  • Voyager Digital holds 12,260 BTC
  • Marathon Digital holds 7,649 BTC in its corporate treasury
  • Hut 8 holds 5,242 BTC

and more joins them to purchase Bitcoins (BTC) and holding them as a sustainable investment asset.

A Safer Alternative To Cryptocurrency

A safer but potentially less lucrative alternative is to buy public-traded companies that have cryptocurrency exposure in some capacity such as tied to crypto assets, supports blockchain networks etc.

Here are seven public traded companies that are involved with crypto:

  • MicroStrategy Inc. (MSTR)
  • Tesla Inc. (TSLA)
  • Coinbase Global Inc. (COIN)
  • Block Inc. (SQ)
  • PayPal Holdings Inc. (PYPL)
  • Marathon Digital Holdings Inc. (MARA)
  • Nvidia Corp. (NVDA)

My Cryptocurrency Investment Approach

The main platform I use to trade crypto is at crypto.com app (if link doesn’t work, use my referral code n9h6j72gs4 AND stake at least 1000 CRO on the app – do this and both of us will receive USD 25 in CRO instantly).

My core cryptocurrency I HODL / hold are

  1. Bitcoin (BTC)
  2. Ethereum (ETH)
  3. Cronos (CRO)
  4. Shiba Inu (SHIB)

I also stake stablecoins to be used on the crypto.com debit card with CRO cashback with use and purchases – I use this every day to pay for taxi fare, groceries, seeing doctor, buying food etc. Most places that accept paywave debit and credit card payments in Singapore accepts the card.

For newbies and people who wants to have some exposure or portfolio of cryptocurrency, I recommend to keep things simple and stick to the “tried and tested” majority portfolio of Bitcoin (BTC) and Ethereum (ETH).

Other / Alternative Investment

Land Banking

Precious Metals

Wealth Management

Late 2021 and early 2022 I placed a small investment portion in a wealth management company to “trial and test” my idea that wealth management will be most passive form of investment and average returns of 7-10% per annum (some better years/months and some worse, but averaged out per 10 years).

If it’s proven well, I will pump more there, but for now, I will continue to monitor.

The #1 reason why I’m exploring wealth management is basically outsourcing investment to eliminate guesswork, and more importantly, it’s inline / aligned with my idea of truly passifying wealth and investment.

Reinvesting Returns & Compounding Magic

Albert Einstein once described compound interest as the “eighth wonder of the world,” saying, “he who understands it, earns it; he who doesn’t, pays for it.” Compound interest is when the interest one earns on a principal balance is reinvested and generates additional interest

Compound interest is truly wonderful.

To simplify it, imagine a simple 5% return on investment (ROI).

Scenario 1: Say you have $1000 to invest, and you don’t add anything anymore and let t

  • Year 1: $1000 + 5% = $1050
  • Year 2: $1050 + 5% = $1102.50
  • Year 3: $1102.50 + 5% = $1157.625
  • Year 10: $1,628.89
  • Year 20: $2653.30
  • Etc

Scenario 2: Say you have $1000 to invest, and you invest $1000 every year

  • Year 1: $1000 + $1000 + 5% = $2100.00
  • Year 2: $2100 + $1000 + 5% = $3255.00
  • Year 3: $3255 + $1000 + 5% = $4467.75
  • Year 10: $14835.68
  • Year 20: $37372.55
  • Etc

The variables here are

  1. time
  2. investment amount
  3. reinvestment amount
  4. return on investment %

Increasing any of the 4 above will increase the returns, if you increase all 4 at the same time, it’d accelerate the fastest. So save as much as possible, and reinvest as much as possible.

For those who wants and can accept higher volatility and risk (loss and profits), you can consider having a portion of investments in cryptocurrency as well.

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