Most people’s eyes will glaze over when they ask me how to start building their 5% dividend portfolio, and I realize that sometimes, we overcomplicate things.
As usual, keeping things simple is still the best way. Here’s how I build my 5% dividend portfolio on a simple basis:
- Set aside 25-50% of my income for investing
- Go through my country’s index fund and look for all dividend paying companies that made it into the index list AND pays at least 5% dividends
- Shortlist these to the top 10
- Invest the set-aside 25-50% regularly (monthly, quarterly or half yearly)
- Collect and reinvest at least 50% of dividends
That’s it – dont overcomplicate it.

I’m the founder and writer here at NigelChua.com; as well as serial entrepreneur, therapy business entrepreneur, digital entrepreneur, investor and also happy husband, father and Christian.
Started and sold off a business for 7-figures; built another 7-figure one and growing it further, plus building/investing into other businesses and investments as well as advisory works.
Nowadays I share and teach entrepreneurship, financial independence, retiring early as well as building and living a life you love.
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