You do know that to get 200K p.a dividend, would most probably requires him to have ~4M exposure in the dividend counters (assuming 5% DY). Definitely he also have to have higher income previously in order to achieve this. Singapore stocks only recently get more excitement compare previously. No matter how B40 you want to live like, the income must be higher in order to achieve this.

How long have you been in the market? Do you like start 5 years back?

I believe everyone has read this before:

When you are young, u have time and health but limited money

When you are at prime working age, u have health and money but limited time

When you are old, u have money and time but limited health.


There is a period, a finite amount of years typically from your 50s (or 40s if you are top performer) to your early 70s, when you have all 3. Those are the years to make the most of retirement. Your body is still functioning well, you are (hopefully) comfortable with money, and retiring early gives u freedom of time. We are blessed because cost of living here is extremely cheap compared to many other places worldwide. Quality vs price ratio is one of the best worldwide, thats why many foreigners are moving here.

well said... very well said... !

Life giveth us 90 diamonds: the early 20 blur, the last 20 uncertain, but the middle shine brightest if we use them wisely.

For Ramjade case he is young (30s) on the way to FIRE and live healthy lifestyle. By 40s still young but FAT FIRE n healthy lifestyle n winner.

Not necessary need to save that RM4m. It will depend on price entry level and when.

Eg Maybank share. Last year paid RM0.61 in dividends. If pick up in 2020 when it was RM7, your yield now is 8.7%.

Or better, if pick up in 2008 when it hit RM3. That will be 20% yield now from your cost of purchase. So only need a capital of RM1m to get RM200k dividend pa.

And this excludes dividend reinvesting.

This post has been edited by Cubalagi: Sep 24 2025, 12:47 PM

He got one thing many of us don't have. Luck. He boughtt massively during the 2008 selloff (you can say he market time as he always advocate market timing).

Some of his reits are giving him easily 10%.p.a Even his Singapore banks some are bought near that low.

So yes I believed he have SGD4-5m. I don't think I can do SGD4-5m but SGD1-2m or USD1m very achievable.

It's very possible to do that for 10 years if I can get like RM20k/month in options income.

That is why I focus on health as well. Health is wealth. I want to have my cake and eat it too. Both health and wealth.

This post has been edited by Ramjade: Sep 24 2025, 01:13 PM

Eh, calculate like that also can ah? Then I can also say my shares are giving me 25% dividend yield every year — tax-free somemore, unlike property rentals. No wonder I could FIRE so young… just by mixing book value with market value.

Jokes aside, if that finance influencer (no idea who this “ASSI” is…) wants to be fair, he/she should qualify the calculation. Otherwise, it gives the misleading impression that 25% p.a. yield applies on today’s market value.

many have heard that and go along
without a second thought

is life a rigid box you must fit yourself in?
divided into 3 compartments
or 9 diamonds etc

Time, Health, Money

why must only have 2 at a stage

how convenient people keep giving that excuse
when we can trade a little of each for the others
without waiting for the perfect stage...

as seen here Ramjade live poor below B40 ,
skimp to the max, no enjoyment
not until he reach that finishing line in 10 years?
the compartmentalised life!

take time, money and health as your seeds

the trick is dont wait for the right season -plant all 3
every day

treat them like juggling balls
not diamonds in life stages
Drop one and the show ends early!

i have almost rm1 mil in deployable cash.. so what do i need to do now? wait for a market crash which will never come or cont to DCA in SNP500?

How much % of your assets now is in SNP500?
(Excludes your "almost rm1 mil in deployable cash")

still very small percentage.. less than 10 %.. been waiting for crash which dosent seem to come.

AFTER How many % of snp500 drops from it last high do you consider it as crash that warrant you to deploy yr money?

Still the same since at that amount of dividend collected, most probably he will need to perform DCA or averaging up assuming from 1 stock itself. I don't think he will go all in when it was the lowest. So in your case of Maybank most probably the average buy price will be somewhere above RM8 or RM9.


I still think eventually the DY is the div collected over the amount invested. I know previously some stocks can give as high as 10%, but eventually after I averaging up, the DY for the particular counter drop. Eventually I'm seeing the DY closer to the current DY or slightly higher. Thus, I'm using the 5% since some of the Singapore stocks actually giving > 5%

This post has been edited by jasontoh: Sep 24 2025, 03:11 PM

Very simple question where were you in April during liberation day? Did you buy?

I know I did. You cannot wait for crash totally. I give you 2 way you can deploy your money easily.

1st indicator is by Adam khoo
When you see the news with wall street trader holding their faces in depressed or looks sad that is the time to buy. W
Headline such as worse drop since xyz.
Eg



When you see such picture on CNBC, strat deploying your money? Will it drop some more? Of course.

2nd indicator when you feel the pain seeing your money decrease in value

If you focus on individual stocks easier to deploy your money as there is always something on sale from personal experience. Some more some earnings disappointment like fortinet, Palo alto, I scoop some Palo alto up. I already in the green. Buy no scare scare no buy.

This post has been edited by Ramjade: Sep 24 2025, 03:28 PM

I get what you mean. I also do those "internal calculations" for myself. But when communicating with others, it’s clearer to use current dividend over current market value. That’s the convention fund managers follow too, otherwise it gives the wrong impression.

For example, I still hold some Malaysian equities. If I calculate yield based on my book cost, it comes to around 15% pa. However, quoting that figure in discussion makes no sense, because no one today can replicate that portfolio at current prices.

Influencers sometimes throw around numbers like "15% yield portfolio" for clickbait. The problem is, viewers then assume such yields are achievable if they buy in today, which is misleading.

Honestly, the first one needs balls of steel actually.... somehow very difficult to execute...
like what some traders I know used to say.... harden your balls first... then execute. YOLO... lol
(just joking... anyone reading... pls think for yourself first)

Buy the dip and catch the falling knife have never fail me. Wealth is build in a down market and realised when market is going up. Will the price drop further? Yes. Just keeping on the way down. Everytime the market dip, my wealth networth grows.

This post has been edited by Ramjade: Sep 24 2025, 03:56 PM

I hv observed, many just buy buy buy, every month buy. As they had preached buy and hold. Investment is for long-term.
They dont keep money in investments that does not generate alot of roi as they doesn't like inefficient roi investments

Then when mkts drops, their holdings also dropped, (they cannot sell or realise their holdings to get more money bcos the price had dropped and their motto is to hold) thus they have no extra money you buy onto the dips to make more money. They just continue to buy every pay day like they used to buy every month.

This post has been edited by MUM: Sep 24 2025, 04:06 PM

I'm trying to build my cash reserve to a better ratio, but recently not so easy as market on rampage. I did ask Ramjade about his cash holding, since he is able to churn out cash from options. I was hoping to be able to be at least 30% in cash holdings but it might take a while since my options exposure not that high.

That's the beauty of investing for cash flow. Market up or down you earn money. If you don't use money that become your warchest. Imagine every week USD500, in 1 year it is worth USD26k. Decent amount.

You not only get money form options, you get dividends coming in also everyfew months. Cash flow give you lots of options. You do not need to deploy right away. I only deploy whenever something drops. If nothing drop I build up my warchest. You do not need to sell to buy things. You can keep buying things as market drop like RPG game where you can regenerate your health with time.

This post has been edited by Ramjade: Sep 24 2025, 04:23 PM