As you have probably heard in the meantime. The last 6 months T-Bills fell to a terrible 1.38%. That’s just terrible. What is a dividend investor who is looking for income to do in such times? Let’s say I have a $ 1 million portfolio. Is it still possible to invest with a dividend yield of 6% to get a dividend income of $ 5000 per month ($ 60,000 per year)?
Some figures crack – $ 1 million portfolio with a dividend yield of 6%?
So I cut some songs below with the help of a friendly LLM.
Model A Dividend Portfolio “6% Income” (Average Risk, SGD-Centric)
Below is a concrete SGD 1,000,000 allocation ~ 6.0% portfolio yield Use of conservative yield allocations. It is “average” risk (not low): stock recording is possible, but income must remain resilient about cycles.
| Sleeve | Weight | SGD | Accepted yield | Notes / vehicles (examples, not exhaustive) |
| Diversified S-REIT basket | 40% | 400,000 | 7.0% | Mix of large CAP-Industrial/Logistics/Data Center/Retail Reit’s or an SG/Asia Reit ETF |
| SG Banks (DBS/UOB/OCBC) | 20% | 200,000 | 5.5% | Equal weight; Dividend + Special/Capital-Return Optionality |
| Equity income (covered call ucits) | 15% | 150,000 | 7.0% | Irish domiciled global strategies for premium income shares; Lower full than beta |
| SGD/ASIA IG Bond ETF/Fund (short -duration) | 10% | 100,000 | 4.0% | Business IG Bias; Short duration to limit the tariff risk |
| T-Bills / SSB ladder | 10% | 100,000 | 3.2% | 6-MO T-BILLS rolled; SSB Rung Ladder for flexibility |
| High-quality SGD perpetuals | 5% | 50,000 | 6.5% | Select Bank/Temasek-linked problems; Size deliberately small |
| Total | 100% | 1,000,000 | ≈6.0% | Mixed yield ≈ 5,995% on assumptions |
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