$ 1,511 Mil Daedalus Income Portfolio Update – July 2025

This is the update for my Daedalus portfolio for July 2025. If the work is not too busy, I will try to give an update where possible.

I explain how I built this portfolio in deconstrating the income portfolio of Daedalus and why I am currently investing in these funds for Daedalus. You may not understand what I wrote below if you have not read this message.

All my personal planning notes such as income planning, insurance planning, investments and portfolio construction will be in my section of personal notes of this blog. You can also find the updates from the past in the section.

Portfolio change since the last update

The portfolio was valued at the end of June at $ 1,476 million and is $ 1,526 million at the end of July.

We have reported a portfolio change of $ 50,000 for July 2025.

The Portfolio is appreciated in SGD Because that is the currency that I would probably spend.

From August 7, 2025, the portfolio is valued at $ 1.511 million.

Here are the most important returns for security for the month-to-men and year-to-date:

The table that shows that the fund ownership indicates the month-to-date and year-to-date performance of the funds I owns against large index ETFs. The most important index ETFs are present to compare the performance. For clarity, I do not have the most important index -eths and You should see the upper table as what I own.

The efficiency of all funds is in USD. This includes the performance of the dimensional funds, which I use of the returns of the USD sharing class so that the returns are comparable. I also mentioned the most important index -Eetf performance for comparison.

The market continues to digest and represent everything that is in the news.

If you look at the lower table (major index ETFs):

1. US shares, especially led by Broadcom, Nvidia and Microsoft restored the highest. The S&P 500 is still left on the market this year.
2. IFSW and AVGC show better performance compared to JPGL and GGRA because of their exposure to what works (which is mentioned in #1). It has been for IFSW for a year and a half, to which I happen to have the least exposure.
3. The two small caps fund did well compared to the Russell 2000 and S&P 600. AVGs did not do so well this month because of the reinforcing USD. 1/3 of the fund is in international value, which tends to do better when USD is weaker.
4. The global aggregated bonds remain higher trend, although after invoicing the weaker USD it should be negative this year. The role of the bonds is to have a positive expected return in the long term and also to dampen the portfolio volatility. It is also to have more humility in the portfolio.

The portfolio wins 2.11% because of the Strengthen USD against the SGD. Ytd The portfolio lost 5.66% only to currency alone.

Role of portfolio

The purpose of the portfolio is to generate stable” inflation-corrected Income to cover my essential costs of living. It is built with a conservative Initial recording rate of 2.0-2.5%It is designed to retain even under extremely heavy market conditions – including scenarios such as the large depression, long -term periods of high inflation (an average of 5.5-6% for 30 years), or major global conflicts. In other words, it has been tested to withstand some of the worst financial environments in history.

The income must take: From today (45 years) for the rest of your life – possibly forever.

I don’t draw the portfolio at the moment.

For further reading about:

1. My notes about my essential expenses.
2. My notes about my basic spending.
3. My elaboration of the safe recording rate: article | Youtube -video

Based on the current portfolio value, the amount of the monthly passive income that can be generated conservatively is from the portfolio

The lower the SWR, the more capital is needed, but the more resilient the income flow is.

Nature of the income I had planned

Generally DIF income strategies produce different types of income flows. They can vary by:

• Coherence: Some offer a fixed income, others fluctuate over time
• Inflation protection: Some adapt to inflation, others get stuck
• Duration: Some for a fixed number of years, others are designed to last indefinitely (perpetual)

A income flow based on the framework for the safe admission percentage is consistent and adapted to inflation, and if we use a low initial safe recording rate of 2.0-2.5%, the income flow tends to a long duration to eternal.

Here is a visual illustration of how the income flow will be based on the current portfolio value:

The income for the first year is based on a 2% safe recording rate. The income for the following years is based on inflation in the previous year (see the soil window of inflation in the previous year). If inflation is high, the income can scale up and if there is deflation, the income will be reduced.

Investment strategy and philosophy

After doing my best to learn to invest for a while, the portfolio expresses my opinion about investing at the moment.

The portfolio is executed in a

1. Strategic: Allocation does not change due to events in the short term.
2. Systematic: Rules/decisions based on myself or implemented an external manager.
3. Cheap: Investment implementation costs are reasonably kept low, both at the distance level and on THone Custodian level.
4. Passive: I spend relatively little effort in mentally considering to consider investments and also active.

You can read more in this Note article: Daedalus Deconstrating my investment portfolio of passive income for my essential and basic spending.

Portfolio change since the last update (usually last month)

In July 2025 there is no change in the portfolio.

Current interests – by dollar value and percentages

The following table is grouped on the basis of the general strategy, whether they are:

1. Fixed income / cash to reduce volatility.
2. Systematically passively, that tries to catch the market risk in a systematic way.
3. Systematically active, which tries to absorb various proven risk premiums, such as value, momentum, quality, high profitability and size in a systematic way.
4. Long -term positions.

Portfolio per account source location

Portfolio per region exposure of effects

Portfolio per fund, cash or individual security

Portfolio per strategy.

What Systematically active Means: Funds that help me passively perform very specific, repeatable underlying securities selection on a continuous basis. Here are some examples of the systematic active strategies in my portfolio:

1. Global multifactor: From a basket of 1,600 developed market large and mid-cap shares, arrange the shares to their value, at their 12-month momentum, due to their degree of roe and debts to assets, and then owns the top 300. Do this every half-yearly or every three-monthly. You end with a strategy that consistently has 300 companies that are cheaper, quality and have a greater momentum compared to a weighted index of a market capitalization.
2. Small Cap value: Rank from a basket of 3000 developed market for small caps, rank the shares based on price-to-book value (including immaterial assets in the book value). Arrange also the shares by operating income minus interest shared by book value. Eliminate the companies with low profitability. What we end is two group of small cap shares: the more profitable small caps but not too expensive, and the small caps that are at least profitable but are very cheap. Consistently owns the top 30-35% of this cohort. Have a manager who consistently helps me to implement this.

The most important preservators for the effects in this portfolio

The current preservators are:

1. Cash: Interactive Brokers LLC (not SG)
2. SRS: Ifast Financial

If you want to trade these shares I mentioned, you can open an account Interactive brokers. Interactive Brokers is the leading cheap and efficient broker I use and trust to invest my investments and trade in Singapore, the United States, London Stock Exchange and Hong Kong Stock Exchange. This allows you to trade shares, ETFs, options, futures, forex, bonds and funds worldwide of a single integrated account.

You can read more about my thoughts about interactive brokers in These interactive brokers Deep Dive series, Starting making it easy and financing your interactive broker account.

Kyith is the owner and some writer behind investment canals. Readers coordinate investment canals to learn and build stronger, stronger power foundations, how to have a passive investment strategy, to know more about investing in Reit’s and the notes and bolts of active investing.

Readers also follow Kyith to learn how to plan well for financial security and financial independence.

From 2004 to 2019, Kyith worked as an IT operational engineer. He is currently working as a senior solutions specialist in insurance. All opinions about investment canals belong to him and do not represent the views on providing.

You can view Kyith’s current portfolio herethat uses his Free Google Stock Portfolio Tracker.

His favorite investment broker is Interactive brokersAs a result of which he is able to invest in the effects of various stock markets around the world, at very low commission rates, without retention, near spot currency rates.

You can read more about Kyith here.