Dear fellow investors,
In 2025, we have collectively navigated an investment journey filled with both challenges and opportunities. From cautious observation at the beginning of the year to the wave of monetary easing brought by the Federal Reserve’s interest rate cuts in mid-year, and finally to the convergence of policy incentives and technological advancements toward the end of the year, my portfolio has been anchored on a conservative dividend strategy. By focusing on Singapore REITs, banking stocks, and high-yield defensive assets, I achieved steady growth. Total assets grew from approximately SGD 160,000 (SGD + USD) at the start of the year to over SGD 200,000 by year-end, with dividend income playing a significantly larger role. This experience truly highlighted the power of “patient capital.”
My three key words: Resilience, Dividends, Diversification
1. Resilience
This year, the global economy faced multiple interest rate cuts by the Federal Reserve, geopolitical conflicts, and trade uncertainties. However, Singapore’s economy demonstrated remarkable resilience, with the STI index rising over 15% for the year, benefiting from low interest rates and rental recovery. My heavily weighted REITs (such as Ascendas, CapitaLand series, and Keppel) experienced valuation recovery in the low-rate environment, coupled with strong rental growth that provided stable cash flows. Even during periods of volatility in the middle of the year, I maintained my positions, and resilience helped me avoid major fluctuations.
2. Dividends
With the goal of generating income, I prioritized increasing positions in high-yield assets: REITs with average yields of 5-7%, banking stocks (such as DBS, OCBC, UOB) yielding 4-6%, and U.S. high-dividend stocks (such as Realty Income, Verizon) exceeding 6%. Dividend income for the year exceeded expectations, with monthly or quarterly payouts allowing me to navigate market volatilities...

I really hope the two funding sources mentioned above can be available on moomoo. Currently, I'm using another platform which doesn't provide any useful information, and it's impossible to get a clear overview of everything at a glance. Moreover, the fees are quite high. With moomoo, I can access the platform anytime and see everything I want to check. I've tried many platforms, but I just can't seem to get used to them. There’s one feature I particularly love—during the day, Singapore stocks are displayed first on the dashboard, while in the evening, it switches to U.S. stocks. It’s so intuitive! moomoo is absolutely fantastic!