Dividend Machines Are Crucial As CPF SA Closes.

Been a while since my last blog post.

I have been busy with many things at home and I have not been looking at the stock market.

The last time I did anything in the stock market was in December last year when I bought some shares of Alibaba and Wilmar.

Fortunately, my investment portfolio is on "auto mode."

More or less.

It doesn't require constant attention from me.

It simply generates passive income for me regularly and all I have to do is to check my bank account on a monthly basis to see how much I have been paid.

This is still something I have to do since I don't want to overspend and I have to allocate excess capital.

In recent weeks, when it comes to excess capital, all I did was to maintain my T-bill ladder and this was something I have produced blogs and videos on.

T-bills are still a good place to park excess cash for now as I wait for better investment opportunities in the stock market.

Interest rates are likely to stay higher for longer as the Fed is no longer as interested in cutting rates as they were in the second half of last year.

This is of course good news for my relatively large position in DBS, OCBC and UOB.

All three banks are likely to continue paying meaningful dividends and they could pay more in 2025.

This is because they have plenty of excess capital.

Having said this, it is important to mention that I am not always flushed with excess capital.

There will be months when I don't receive any dividend or very little.

First and fourth quarters are usually drier.

January usually sees a drought!

I received zero dividend in January 2025!

However, my investment portfolio still generated 42% higher passive income in January, year on year.

This is all thanks to T-bills and Singapore Savings Bonds.

Fixed income.

I have been stashing more money in T-bills and SSBs.

To be sure, the passive income in dollar terms is not mind blowing.

January 2025: $1,491.93

January 2024: $1,046.20

It is an increase of some $450.

Enough to cover some of my routine expenses.

Of course, if I had mainly relied on something like this over the years, I would not have what I have today financially.

This is just part of my financial pyramid and it contributes to my portfolio's stability.

Of course, regular readers also know that I like the CPF system very much but with the CPF SA going away once we turn 55 years of age, we have to be less reliant on the CPF to fund our retirement.

Investing in the stock market is still something that every regular person should seriously consider in order to have a more comfortable retirement.

How to get it right most of the time?

I have shared my methods and philosophy here in my blog over the years and more recently in my YouTube channel.

Some have asked me if I could conduct investment courses but, of course, readers who have been following me for many years would know my answer to that.

However, it is that time of the year again and for anyone who is interested to learn how to invest for income, "Dividend Machines" is open for registration again.

"Dividend Machines" is the only course I have promoted yearly since its founding so many years ago.

It is not only well structured, it is also well priced and does not cost thousands of dollars.

It is run by my friends at The Fifth Person and some of you interacted with Victor who was the guest speaker during "Evening With AK And Friends 2025."

Anyway, if you are interested in growing streams of passive income and you should be, have a look:

Dividend Machines 2025.

If AK can do it, so can you!