Q3 2025 Portfolio Update: Progress, Adjustments, and Reflections

Previously, I shared monthly portfolio updates to track my passive income journey. Since transitioning to quarterly updates in Q2, I’ve focused on longer-term progress and strategic adjustments. This approach suits my current investment style, which emphasizes steady income and measured growth.

In this Q3 2025 update, I will cover:

  • Year-to-date passive income performance

  • Portfolio changes made during the quarter

  • Market observations and strategy refinements

  • Challenges and lessons learned

  • Next steps and goals for Q4 2025

Year-to-Date Passive Income Breakdown

Passive income continues to be my primary focus, with steady contributions from key sources:

  1. SG Dividends: SGD 5,110 YTD
    My dividend stocks remain a reliable foundation of passive income. 

  2. Covered Call Premiums: USD 3,618 YTD
    Covered call premiums from my options positions have provided consistent additional income. I remain selective in this strategy, focusing on quality holdings where I can generate extra cash flow without sacrificing long-term upside.

  3. Savings Account Interest: SGD 566 YTD
    Interest earned remains a small fraction of overall income, reflecting minimal cash reserves outside of emergency funds.

Portfolio Changes in Q3 2025

This quarter, I made two notable additions to my portfolio:

  • Added Singapore Airlines (SIA) to my holdings. I view the recent pullback as a potential long-term entry opportunity. While I do not expect SIA to hit new highs immediately and acknowledge the possibility of further price dips, I believe accumulating shares now positions me well for the future.

  • Increased Bitcoin exposure during a small pullback, adding more BTC around the USD 100,000 support level. I have moved these holdings into cold storage to avoid impulsive selling. If prices drop further, I am prepared to accumulate more.

Aside from these additions, there were no other portfolio adjustments or reallocations.

Market Observations and Strategy Refinements

Market conditions in Q3 were relatively sideways, with the Federal Reserve cutting interest rates by 25 basis points as widely expected. This move has kept markets in a cautious balance.

My investment strategy remains focused on increasing income streams. I have no plans to engage in active trading, given my limited technical expertise and preference for steady, sustainable growth.

Geopolitical risks such as tensions in the Middle East and the Ukraine-Russia conflict continue to warrant caution. These factors influence my investment decisions and reinforce the need for a diversified, resilient portfolio.

Challenges and Lessons Learned

This quarter presented no major challenges or unexpected lessons. The steady progress has reinforced my commitment to a disciplined, long-term approach.

Next Steps and Goals for Q4 2025

Looking ahead, I plan to limit portfolio monitoring and avoid adding new positions unless there is a significant market pullback. My primary focus will be on finding ways to increase side income and build financial resilience outside of the markets.

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