Just Being Ernest

Sunday, 23 August 2026

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Sunday, 15 December 2024

My Passive Income Diary: November 2024

If you have yet to read my previous month update, here is the link: https://justbeingernest.blogspot.com/2024/11/my-passive-income-diary-october-2024.html

My Passive Income Sources

For this month, my passive income sources are:

Singapore Savings Bonds (SSBs)

These are Singapore government-backed bonds that offer a guaranteed interest rate.
Fully backed by the Singapore Government. You can always get your investment amount back in full with no capital loss.
Invest for up to 10 years with interest that increases over time. The longer you save, the higher your return.
You can choose to exit your investment in any given month, with no penalties. There is no need to decide on a specific investment period at the start.
Click here to know more: https://www.mas.gov.sg/bonds-and-bills/singapore-savings-bonds

Endowus Income Fund

Endowus is an evidence-based robo advisor with competitive fees and prices in Singapore.
It allows you to invest all three sources of wealth - CPF, SRS and cash. It is the first and only robo-advisor in Singapore to allow you to invest your CPF monies.
Their portfolios utilize funds from global fund managers, such as PIMCO and Dimensional, with real, long-term proven track records.
Personally I invested in the Endowus Income Portfolios where I receive monthly payouts from the funds.
Click here if you are keen to sign up: https://endowus.com/invite?code=QFMWH

Chocolate Finance Cash Management Account

Chocolate Finance offers attractive interest rates on your cash deposits, significantly higher than traditional savings accounts.
Unlike traditional savings accounts, Chocolate Finance provides daily interest accrual. This means you see your money grow consistently, day by day.
You can withdraw your funds at any time without penalties or restrictions. This gives you flexibility and peace of mind.
There are no hidden fees or complex terms associated with Chocolate Finance.
Your funds are invested in a carefully curated portfolio of short-term bonds, providing a balance of risk and reward while maintaining high levels of security.
Click here if you are keen to sign up: https://share.chocolate.app/nxW9/y321ds2r

Dividend ETF and Dividend Stocks

Dividend ETF is a basket of dividend-paying stocks, reducing individual stock risk.
ETFs typically have lower expense ratios than mutual funds, which means that investors keep more of their investment returns.
This is because ETFs are passively managed, meaning that they track an index rather than actively trying to outperform it.
Dividend stocks provide a steady stream of income, which can be especially beneficial for retirees or investors seeking regular cash flow.
Personally I am using FSM to hold my dividend stocks and dividend ETF
Click here if you are keen to sign up: https://secure.fundsupermart.com/fsmone/signup/personal/P0375989

My November 2024 Passive Income

In November 2024, I received the following passive income:

Endowus Income Fund: $100.33
Chocolate Finance Cash Management Account: $4.99
Singapore Savings Bonds (SSBs): $799.50
Dividend Stocks: $343.84

Total Passive Income: $1,248.66

What's Next?

As you can see based on the charts, the passive income for this month increased by quite alot from $538.66 in October 2024 to $1,248.66 in November 2024

The huge difference is due to the income from Singapore Savings Bonds and from Dividend Stocks.

Been actively accumulating more dividend stocks to grow the passive income from Dividend stocks so that the source of income is not concentrated mainly from Singapore Saving Bonds, Endowus or Chocolate Finance cash management.

Looking to grow aggressively the passive income from Dividend Stocks so that it is more stable, consistent and solid.

As a reminder to myself, I aim to hit the $5k monthly passive income target by December 2025 which is about 1 year from now.

Stay tune for more updates!

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Friday, 29 November 2024

My Passive Income Diary: October 2024

If you have yet to read my previous month update, here is the link: https://justbeingernest.blogspot.com/2024/10/my-passive-income-diary-september-2024.html

My Passive Income Sources

For this month, my passive income sources are:

Singapore Savings Bonds (SSBs)

These are Singapore government-backed bonds that offer a guaranteed interest rate.
Fully backed by the Singapore Government. You can always get your investment amount back in full with no capital loss.
Invest for up to 10 years with interest that increases over time. The longer you save, the higher your return.
You can choose to exit your investment in any given month, with no penalties. There is no need to decide on a specific investment period at the start.
Click here to know more: https://www.mas.gov.sg/bonds-and-bills/singapore-savings-bonds

Endowus Income Fund

Endowus is an evidence-based robo advisor with competitive fees and prices in Singapore.
It allows you to invest all three sources of wealth - CPF, SRS and cash. It is the first and only robo-advisor in Singapore to allow you to invest your CPF monies.
Their portfolios utilise funds from global fund managers, such as PIMCO and Dimensional, with real, long-term proven track records.
Personally I invested in the Endowus Income Portfolios where I receive monthly payouts from the funds.
Click here if you are keen to sign up: https://endowus.com/invite?code=QFMWH

Chocolate Finance Cash Management Account

Chocolate Finance offers attractive interest rates on your cash deposits, significantly higher than traditional savings accounts.
Unlike traditional savings accounts, Chocolate Finance provides daily interest accrual. This means you see your money grow consistently, day by day.
You can withdraw your funds at any time without penalties or restrictions. This gives you flexibility and peace of mind.
There are no hidden fees or complex terms associated with Chocolate Finance.
Your funds are invested in a carefully curated portfolio of short-term bonds, providing a balance of risk and reward while maintaining high levels of security.
Click here if you are keen to sign up: https://share.chocolate.app/nxW9/y321ds2r

My October 2024 Passive Income

In October 2024, I received the following passive income:

Endowus Income Fund: $100.95
Chocolate Finance Cash Management Account: $13.91
Singapore Savings Bonds (SSBs): $423.80

Total Passive Income: $538.66

What's Next?

As you can see based on the charts, the passive income for this month increased drastically from $110.53 in September 2024 to $538.66 in October 2024

The huge difference is due to the income from Singapore Savings Bonds which contribute significantly.

I have also been accumulating more dividend stocks to grow the passive income from Dividend stocks so that the source of income is not concentrated mainly from Singapore Saving Bonds, Endowus or Chocolate Finance cash management.

Stay tune for more updates!

Wednesday, 23 October 2024

My Passive Income Diary: September 2024

If you have yet to read my previous month update, here is the link: https://justbeingernest.blogspot.com/2024/09/my-passive-income-diary-august-2024.html

My Passive Income Sources

For this month, my passive income sources are only:

Endowus Income Fund

Endowus is an evidence-based robo advisor with competitive fees and prices in Singapore.
It allows you to invest all three sources of wealth - CPF, SRS and cash. It is the first and only robo-advisor in Singapore to allow you to invest your CPF monies.
Their portfolios utilise funds from global fund managers, such as PIMCO and Dimensional, with real, long-term proven track records.
Personally I invested in the Endowus Income Portfolios where I receive monthly payouts from the funds.
Click here if you are keen to sign up: https://endowus.com/invite?code=QFMWH

Chocolate Finance Cash Management Account

Chocolate Finance offers attractive interest rates on your cash deposits, significantly higher than traditional savings accounts.
Unlike traditional savings accounts, Chocolate Finance provides daily interest accrual. This means you see your money grow consistently, day by day.
You can withdraw your funds at any time without penalties or restrictions. This gives you flexibility and peace of mind.
There are no hidden fees or complex terms associated with Chocolate Finance.
Your funds are invested in a carefully curated portfolio of short-term bonds, providing a balance of risk and reward while maintaining high levels of security.
Click here if you are keen to sign up: https://share.chocolate.app/nxW9/y321ds2r

My September 2024 Passive Income

In September 2024, I received the following passive income:

Endowus Income Fund: $103.05
Chocolate Finance Cash Management Account: $7.48

Total Passive Income: $110.53

What's Next?

As you can see based on the charts, the passive income for this month dropped drastically from 1,230.98 in August 2024 to 110.53 this month.

This goes to show that I would need to build more income streams such that the fluctuation is not too drastic on a month on month basis.

I have been accumulating more dividend stocks during this period and looking to invest even more although capital is limited and I would also want to have spare cash to invest during opportunities.

For the coming period, I will be spending time to read up on more companies and also be out overseas.

Stay tune for more updates!

Sunday, 29 September 2024

My Passive Income Diary: August 2024

If you have yet to read my previous month update, here is the link: https://justbeingernest.blogspot.com/2024/09/my-passive-income-diary-july-2024.html

My Passive Income Sources

For this month, my passive income sources are:

Singapore Savings Bonds (SSBs)

These are Singapore government-backed bonds that offer a guaranteed interest rate.
Fully backed by the Singapore Government. You can always get your investment amount back in full with no capital loss.
Invest for up to 10 years with interest that increases over time. The longer you save, the higher your return.
You can choose to exit your investment in any given month, with no penalties. There is no need to decide on a specific investment period at the start.
Click here to know more: https://www.mas.gov.sg/bonds-and-bills/singapore-savings-bonds

Endowus Income Fund

Endowus is an evidence-based robo advisor with competitive fees and prices in Singapore.
It allows you to invest all three sources of wealth - CPF, SRS and cash. It is the first and only robo-advisor in Singapore to allow you to invest your CPF monies.
Their portfolios utilise funds from global fund managers, such as PIMCO and Dimensional, with real, long-term proven track records.
Personally I invested in the Endowus Income Portfolios where I receive monthly payouts from the funds.
Click here if you are keen to sign up: https://endowus.com/invite?code=QFMWH

Chocolate Finance Cash Management Account

Chocolate Finance offers attractive interest rates on your cash deposits, significantly higher than traditional savings accounts.
Unlike traditional savings accounts, Chocolate Finance provides daily interest accrual. This means you see your money grow consistently, day by day.
You can withdraw your funds at any time without penalties or restrictions. This gives you flexibility and peace of mind.
There are no hidden fees or complex terms associated with Chocolate Finance.
Your funds are invested in a carefully curated portfolio of short-term bonds, providing a balance of risk and reward while maintaining high levels of security.
Click here if you are keen to sign up: https://share.chocolate.app/nxW9/y321ds2r

Dividend ETF and Dividend Stocks

Dividend ETF is a basket of dividend-paying stocks, reducing individual stock risk.
ETFs typically have lower expense ratios than mutual funds, which means that investors keep more of their investment returns.
This is because ETFs are passively managed, meaning that they track an index rather than actively trying to outperform it.
Dividend stocks provide a steady stream of income, which can be especially beneficial for retirees or investors seeking regular cash flow.
Personally I am using FSM to hold my dividend stocks and dividend ETF
Click here if you are keen to sign up: https://secure.fundsupermart.com/fsmone/signup/personal/P0375989

My August 2024 Passive Income