Q4 2025 and overall 2025 portfolio update

Previously, I shared monthly portfolio updates to document my passive income journey. Since shifting to quarterly updates in Q3, my focus has moved toward long-term progress and strategic refinement. This cadence better aligns with my current investment approach, which prioritizes consistent income and disciplined growth.

In this 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 2026

Year-to-Date Passive Income Breakdown

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

  1. SG Dividends: SGD 5,720 
    My dividend stocks remain a reliable foundation of passive income. 

  2. Covered Call Premiums: USD 3,618
    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 603 YTD
    Interest earned remains a small fraction of overall income as i did not maximum the benefit of OCBC360. 

Portfolio Changes in Q4 2025

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

  • Remove SIA from portfolio and added Fraser Centrepoint Trust

  • Increased Bitcoin exposure to a total of 0.15 BTC

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

Market Observations and Strategy Refinements

The prevailing consensus is that markets may face challenges in 2026. I’m already feeling pressure both at work and in my side hustle. However, equity markets appear to be signaling a more resilient outlook. Rather than leaning too heavily into pessimism, I plan to stay disciplined and allow my strong holdings to continue compounding through 2026.

I do not intend to add new positions during the first half of 2026 unless there is significant market dislocation. Chasing elevated prices or giving in to FOMO would be counterproductive and is something I intend to avoid.

Challenges and Lessons Learned

Q4 2025 presented no major challenges or unexpected lessons. The steady progress during this period reinforced my conviction in maintaining a disciplined, long-term investment approach. Overall, 2025 has been a year of meaningful personal and financial growth.

Next Steps and Goals for 2026

Looking ahead, I plan to reduce the frequency of portfolio monitoring and remain patient on new investments unless there is a meaningful market correction. My primary focus for 2026 will be on expanding side income opportunities and strengthening financial resilience beyond market returns.

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