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Tag: Dividends

Unlock Lucrative Returns with IAPD: A High-Yield ETF Providing 7% Annual Yield and Quarterly Payouts

Posted on by careyourpresent

Dividends!

Everyone loves dividends! People love distributions which are your regular cashflow like your stable monthly paycheck! Dividends hold a special place in every investor’s heart! Who doesn’t appreciate those regular cashflows that resemble a dependable monthly paycheck? But rather than spending hours on extensive stock picking and research, more and more people are gravitating towards the simplicity of ETF investing. With their low expense ratios and promising dividend returns, these investment vehicles offer a hassle-free alternative for dividend enthusiasts!

iShares Asia Pacific Dividend UCITS ETF (IAPD)

(Information in this article comes from Official Ishare Website and my research.)

Today let me share a very interesting ETF that lies close to the heart of the investors in the Asia Pacific Region! The key investment objective of this fund is to track the performance of an index composed of 50 stocks with leading dividend yields selected from eligible Asia Pacific countries.

Which Index?

The Index measures the performance of the top 50 highest dividend paying companies in the Asia/Pacific region. Companies included in the Index are those that have paid dividends in each of the past three years, have a dividend per share ratio greater than or equal to its three-year average annual dividend per share ratio, have a five year average payout ratio of greater than or equal to two-thirds of the five-year payout ratio of the corresponding Dow Jones country index, or greater than 118%, whichever is greater, a non-negative previous 12 month earnings per share and meet criteria for trading volume. Existing constituents of the Index must also meet criteria for trading volume at each rebalance. The Index is weighted according to dividend yield with individual companies capped at 10%.

But why do people invest in IAPD?

There are 3 key reasons.

  1. Exposure to Asia Pacific companies with the highest dividend yields
  2. Direct investment into 50 listed securities from the Asia Pacific region
  3. regional exposure with a focus on income

Of course, there are other advantages as well, let me share them.

3 Key Advantages of IAPD

  1. The iShares Asia Pacific Dividend UCITS ETF (IAPD) harnesses the potential of dividend-paying stocks, presenting investors with a remarkable chance to earn consistent income. Dividend payments serve as a dependable source of regular returns, making this ETF an appealing choice for investors seeking stability in their investment journey.
  2. Renowned for its great economic growth and innovation, the Asia Pacific region serves as the perfect breeding ground for future opportunities. This ETF taps into this growth potential by including companies from countries like China, Japan, South Korea, Australia, and more. Investors can ride the wave of robust growth in these economies while spreading their investments across diverse markets.
  3. Diversification is a fundamental pillar of successful investing, and the iShares Asia Pacific Dividend UCITS ETF provides precisely that. By investing in a well-balanced portfolio of dividend-paying stocks from various sectors and countries, this ETF offers a shield against individual company performance. Such diversification adds a layer of stability, mitigating the impact of any single stock’s volatility.

Key Ratios of this ETF

Here are some additional details about IAPD (as of 25 May 2023):

  • Inception date: 2 Jun 2006
  • Number of Holdings: 50
  • Net assets: $376.8 millions
  • Gross expense ratio: 0.59%
  • Product Structure: Physical
  • Methodology: Replicated
  • Yield: 7.44%
  • Distribution frequency: Quarterly
  • Domicile: Ireland
  • Currency: U.S. dollars

Top 10 Holdings

Exposure Breakdowns

Wow!

If you look at the above, this ETF looks great! Low expense ratio of 0.59% with 7.44% distributed quarterly. Its component equities are top 50 highest dividend paying companies in the Asia/Pacific region. In term of exposure, it has around 37% in Australia, 29% in Hong Kong, 25% in Japan, 6% in Singapore, 2% in New Zealand. All these are great Asia Pacific countries with great growth!

This ETF helps you to diversify your portfolio such that you don’t need to stock pick yourselves, read annual reports, but buy and hold, or even just DCA monthly and what is the best thing? You will get 7.44% yield quarterly. Assuming that you have invested 100K into this, you would get $7440 per year, $1860 per quarterly, $620 monthly! Wow! $620 monthly passive income!

However…

Let’s look at past performance first. Of course, past performance is not an indication of future performances.

If we analyze the above, not too shabby! You get almost 100% return (annualized 4% return) if you invest since the inception date, not forgetting that peace of mind knowing that your portfolio is well diversified in the Asia Pacific Region.

Compare this with Unlock Lucrative Returns with SDIV: A High-Yield ETF Providing 11% Annual Yield and Monthly Payouts and 4 Dividend ETFs that can let you sleep well even in the scary bear market, which of these ETFs, which ETFs would you buy if you are passive investors that wants some regular cashflow?

For me, I would stick to VWRD.L. What is yours?

BUT…

Undeniability, the iShares Asia Pacific Dividend UCITS ETF still empowers investors to tap into the income-generating potential of dividend-paying stocks across the thriving Asia Pacific region. This ETF offers a compelling opportunity for investors seeking income generation and long-term growth. Whether you are a long-term investor looking for regular income or aiming to diversify your portfolio with exposure to Asia Pacific’s dividend opportunities, this ETF can prove to be a valuable addition to your investment strategy.

Disclaimer: Investing in the iShares Asia Pacific Dividend UCITS ETF carries inherent market risks, including the possibility of losing your principal investment. The information provided in this article is intended for informational purposes only and should not be construed as investment advice. Investors should conduct their own extensive research and consult with a qualified financial advisor before making any investment decisions.

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Good articles that you should read!

People are drawn to dividend investing.

Why? Firstly, dividends provide a regular stream of income, allowing investors to receive a portion of the company’s profits on a periodic basis. This can be particularly attractive for individuals seeking consistent cash flow or looking to supplement their existing income. Additionally, dividend investing is often viewed as a more stable and predictable investment strategy compared to relying solely on capital appreciation.

I always write and share articles, especially on dividends which many people love them. Do read them!

Alternatively, you can go the right side of my page, there is a search bar where you can simply search “dividend” to see all my articles related to dividends!

Of course, you can search for other things that would interest you such as “Careyourpresent”, “Reits”, “Side Hustles”, “Fixed Incomes”, “Savings” etc.

CAREYOURPRESENT

Money just buy you the chance of freedom.

When you are young and working, you exchange time for money. When you are old, you can have lots of money but you can’t buy time back, especially the things that you have missed while busying striking out in career. Of course, if you love your career, and consciously know that you are missing out the first time your child walk or talk, that’s ok, but if you are the other spectrum, please do something about it.

Your kids grew up and they no longer need you to accompany them. They no longer want to sit on your lap to share/do things with you…all these time you spent in your 9 to 6 or even longer cubicles…can the money that you have earned by you back these?

We always thought we have more time with our old parents, but we are wrong. Time with them is ticking away every day. One day it will suddenly be gone. There is no regret medicine, no reset in time. Gone is gone and cannot come back. No matter you are billionaires or millionaires, you cannot reset this.

We always thought that we have more time with our spouse every day, but we are wrong. One day they will be gone too. When you read this, please go tell your spouse that you love him/her and he or she is the best thing that you ever had in your life.

I have picked out some of the more life reflecting articles of the CAREYOURPRESENT series. Do read them:

You can read more about my articles on Careyourpresent via the Category “Careyourpresent” or simply click “Careyourpresent” via the main menu bar.

REMEMBER:

Love your life daily.

You have one less day with your spouse, parents, children and yourself.

Time is ticking away.

For each passing day,

Enjoy and Treasure your Life!

For those who are interested in regular updates of my articles, please join the others to sign up for my free newsletter to has my newest blogposts sent to your mailbox for free!

For real time exclusive updates on market news/life (especially Crypto markets where the news move fast, important news will be shared directly via tweets or telegrams), do also join the platforms below and engage with other like-minded people!

You may also contact me via [email protected].

If you’re looking referral codes, do check out my referral and ebook page. Give it a try and who knows? You might end up loving these platforms! To be absolutely fair to all the readers, I am definitely using all these companies and they are useful to me! Likely will be useful to you too!

At the same referral and ebook page, you can also download my free ebooks and other free resources.

For quick references to these resources, you can see below.

  • Ebooks and other useful resources on enhancing productivity (Investment, Excel, Notion etc). Currently most of it are free at this moment (subject to change).
  • WeBull: A powerful brokerage with nice free welcome gift. You can refer to my guide here on how to signup! 4 Simple step only! Click here to register a new account!
  • MoneyOwl: You can use this 6SHU-93MC to get free grab vouchers and highly safe liquid cash fund account.
  • Trust Bank – You will enjoy free FairPrice E-Voucher referral if you sign up via my referral code KNDBPEPT. Simply download the Trust Bank SG App on the App Store or Google Play Store. Tap on “Use referral code” immediately after you start the app and key in: KNDBPEPT
  • FSMOne: P0413007. Good account to keep liquid cash in autosweep and to purchase investment at low fee.
  • Hostinger: You can use this link for hosting your new website. 20% off hosting!
  • Crypto.com: Use my referral link https://crypto.com/app/h92xdfarkq to sign up for Crypto.com and we both get $25 USD 🙂

Unlock Lucrative Returns with SDIV: A High-Yield ETF Providing 11% Annual Yield and Monthly Payouts

Posted on by careyourpresent

Monthly Dividends

Everybody loves dividends! Love monthly Income! It’s like your monthly paycheck. Is there such thing as consistent monthly dividend income from an ETF with global exposure? Yes, there is! Look no further than SDIV – SuperDividend® ETF! It has been giving monthly dividend income for 11 years since its inception in 2011! It is also vested in at least 100 global dividend stocks that provide great diversification!

In short, SDIV is an exchange-traded fund (ETF) that offers an attractive solution for income-focused investors. With its impressive tantalizing 11% annual yield and monthly distributions, this ETF provides greater convenience and flexibility for budgeting and managing expenses. For retirees or income-oriented investors relying on regular cash flows.

Is your saliva dripping and can’t wait to find out more and invest in this wonderful ETF?

(The details about SDIV below are written with reference from https://www.globalxetfs.com/funds/sdiv/).

What is SDIV?

SDIV is an exchange-traded fund (ETF) that aims to track the performance of the Solactive Global SuperDividend Index. The index is composed of 100 of the highest dividend-yielding equity securities in the world, including emerging market countries. SDIV is a passively managed fund, which means that it does not attempt to beat the market. Instead, it aims to track the performance of the index as closely as possible. SDIV’s approach of investing in a diverse range of companies across various sectors aims to provide investors with both capital appreciation and consistent income.

Key Features

In Summary, there are 3 key advantages about SDIV

  • SDIV accesses 100 of the highest dividend paying equities around the world, potentially increasing a portfolio’s yield.
  • SDIV has made monthly distributions 11 years running.
  • Investing in equities from around the globe can help diversify both geographic and interest rate exposure.
https://www.globalxetfs.com/funds/sdiv/

Other key information about this ETF:

Here are some additional details about SDIV (As of 18 May 2023):

  • Inception date: July 27, 2011
  • Number of Holdings: 107
  • Net assets: $729.45 million
  • Gross expense ratio: 0.61%
  • Net asset value: $21.81
  • 30-Day SEC Yield: 10.99%
  • Distribution frequency: Monthly
  • Index: Solactive Global SuperDividend Index
  • Domicile: United States
  • Currency: U.S. dollars
https://www.globalxetfs.com/funds/sdiv/

Impressive Features isn’t it?

If you read the above features, what do you get? Very impressive, correct?

With an inception date of July 27, 2011, SDIV has a proven track record of delivering reliable results. Boasting a robust portfolio of 107 holdings, this ETF offers a diversified approach to investing, ensuring that investors can benefit from a wide range of income-generating assets.

One of the standout features of SDIV is its impressive 30-Day SEC Yield of 10.99%. This signifies the attractive income potential it offers to investors. With a distribution frequency of monthly, investors can enjoy consistent cash flow, making it an ideal investment for those seeking regular income streams. Furthermore, SDIV’s net assets of $729.45 million demonstrate the trust and confidence placed in this fund by investors.

SDIV tracks the Solactive Global SuperDividend Index, which further enhances its appeal. This index includes high-dividend yielding companies from around the world, allowing investors to tap into global opportunities. The ETF’s domicile in the United States and use of U.S. dollars as the currency provide stability and familiarity for investors. With a gross expense ratio of 0.61%, SDIV ensures that investors can keep more of their returns, making it a cost-effective choice. Overall, SDIV stands as an impressive investment vehicle that combines attractive yields, diversification, and stability, making it an appealing choice for income-focused investors seeking long-term value.

Top 10 Holdings

With its portfolio of 107 holdings, this ETF offers a well-rounded mix of investments across various sectors and geographies. This diversification is essential for managing risk and reducing exposure to any single company or industry.

By spreading investments across multiple sectors, SDIV minimizes the impact of sector-specific risks and allows investors to benefit from the potential growth and stability of different industries. This diversification across sectors also helps to capture a broader range of investment opportunities and aligns with the goal of creating a resilient and balanced portfolio.

Moreover, SDIV’s geographic diversification adds another layer of risk mitigation. By investing in high dividend yielding companies from around the world, the ETF reduces the reliance on any specific country or region. This global exposure provides investors with access to different markets, economies, and currencies, potentially enhancing returns and reducing volatility.

Observe the 3 screenshots from the SDIV site below, what do you get? SUPER Diversified ETF!

MUST BUY SDIV

With all the above features, its remarkable 11% annual yield and monthly distributions, SDIV delivers a financial experience like no other. This high-yield ETF ensures you don’t have to settle for meager returns or wait for quarterly payouts. Its diversified portfolio spreads risk across top dividend-paying companies from around the world, providing stability even in turbulent markets.

Hence, SDIV sounds like it is a must buy that can help you to say goodbye to financial worries and hello to a monthly paycheck that empowers you to live life on your terms.

Amazing ETF counter isn’t it? Did you regret not buying earlier to unlock Lucrative Returns with SDIV: A High-Yield ETF Providing 11% Annual Yield and Monthly Payouts?

Photo by Jonathan Borba on Unsplash

But is this really the case?

No! Don’t be blinded by High yield with monthly distribution!

No! Don’t be blinded by High yield with monthly distribution!

You should exercise caution when considering high yield investments that offer monthly distributions. While the allure of regular income can be tempting, it is crucial not to be blinded by the promise of high returns.

The return of this ETF is very poor since inception date. You are definitely much better investing in other things. Look at the 3 charts below, you actually making losses if you invest in this ETF since its inception date in 2011.

From Google search
https://www.globalxetfs.com/funds/sdiv/
https://www.globalxetfs.com/funds/sdiv/

There is no point to buy anything that gives you high yield but huge capital loss in comparison with the dividends that you get back. Please be careful next time if you see high yielding shares/ETF. Always do your due diligence first!

Good articles that you should read!

People are drawn to dividend investing.

Why? Firstly, dividends provide a regular stream of income, allowing investors to receive a portion of the company’s profits on a periodic basis. This can be particularly attractive for individuals seeking consistent cash flow or looking to supplement their existing income. Additionally, dividend investing is often viewed as a more stable and predictable investment strategy compared to relying solely on capital appreciation.

I always write and share articles, especially on dividends which many people love them. Do read them!

Alternatively, you can go the right side of my page, there is a search bar where you can simply search “dividend” to see all my articles related to dividends!

Of course, you can search for other things that would interest you such as “Careyourpresent”, “Reits”, “Side Hustles”, “Fixed Incomes”, “Savings” etc.

CAREYOURPRESENT

Money just buy you the chance of freedom.

When you are young and working, you exchange time for money. When you are old, you can have lots of money but you can’t buy time back, especially the things that you have missed while busying striking out in career. Of course, if you love your career, and consciously know that you are missing out the first time your child walk or talk, that’s ok, but if you are the other spectrum, please do something about it.

Your kids grew up and they no longer need you to accompany them. They no longer want to sit on your lap to share/do things with you…all these time you spent in your 9 to 6 or even longer cubicles…can the money that you have earned by you back these?

We always thought we have more time with our old parents, but we are wrong. Time with them is ticking away every day. One day it will suddenly be gone. There is no regret medicine, no reset in time. Gone is gone and cannot come back. No matter you are billionaires or millionaires, you cannot reset this.

We always thought that we have more time with our spouse every day, but we are wrong. One day they will be gone too. When you read this, please go tell your spouse that you love him/her and he or she is the best thing that you ever had in your life.

I have picked out some of the more life reflecting articles of the CAREYOURPRESENT series. Do read them:

You can read more about my articles on Careyourpresent via the Category “Careyourpresent” or simply click “Careyourpresent” via the main menu bar.

REMEMBER:

Love your life daily.

You have one less day with your spouse, parents, children and yourself.

Time is ticking away.

For each passing day,

Enjoy and Treasure your Life!

For those who are interested in regular updates of my articles, please join the others to sign up for my free newsletter to has my newest blogposts sent to your mailbox for free!

For real time exclusive updates on market news/life (especially Crypto markets where the news move fast, important news will be shared directly via tweets or telegrams), do also join the platforms below and engage with other like-minded people!

You may also contact me via [email protected].

If you’re looking referral codes, do check out my referral and ebook page. Give it a try and who knows? You might end up loving these platforms! To be absolutely fair to all the readers, I am definitely using all these companies and they are useful to me! Likely will be useful to you too!

At the same referral and ebook page, you can also download my free ebooks and other free resources.

For quick references to these resources, you can see below.

  • Ebooks and other useful resources on enhancing productivity (Investment, Excel, Notion etc). Currently most of it are free at this moment (subject to change).
  • WeBull: A powerful brokerage with nice free welcome gift. You can refer to my guide here on how to signup! 4 Simple step only! Click here to register a new account!
  • MoneyOwl: You can use this 6SHU-93MC to get free grab vouchers and highly safe liquid cash fund account.
  • Trust Bank – You will enjoy free FairPrice E-Voucher referral if you sign up via my referral code KNDBPEPT. Simply download the Trust Bank SG App on the App Store or Google Play Store. Tap on “Use referral code” immediately after you start the app and key in: KNDBPEPT
  • FSMOne: P0413007. Good account to keep liquid cash in autosweep and to purchase investment at low fee.
  • Hostinger: You can use this link for hosting your new website. 20% off hosting!
  • Crypto.com: Use my referral link https://crypto.com/app/h92xdfarkq to sign up for Crypto.com and we both get $25 USD 🙂

7 Things to consider before buy a dividend stock

Posted on by careyourpresent

Why dividend investing?

There are many ways to do investing, but one of the way that many people like is dividend investing. But why?

Dividend investing is a simple, straightforward way to earn a steady income. It’s not as sexy as going all-in on high-growth stocks or cryptocurrency, but it’s practical and reliable. Plus, it comes with the added benefit of growing your wealth over time by building passive income streams.

We’ll go into more detail about how dividend investing works here:

You can invest in shares and benefit from the power of compounding returns.

When you invest in shares, you can benefit from the power of compounding returns. Compounding is the ability of an investment to generate earnings that are reinvested, thus creating additional earnings. This means that your money will grow over time without having to add more funds yourself.

The idea behind compounding is simple: if an investor invests $100 at 6% per annum and compound it by reinvesting the dividends for 10, 20 or even 30 years without any capital injection. What would you get?

You will get 5x the money after 30 years! Don’t you like dividend investing?

It’s simple to begin investing, and there are no limits on how much you can get started with.

You can start with as little as $50, and there are no limits on how much you can get started with. You can invest in a variety of different types of companies that offer dividends and build up your portfolio over time. You may not even need to buy shares all at once – you could do so gradually over several months or years.

Dividend-paying stocks aren’t just for people who have thousands to invest; they’re also accessible to beginners who want to learn more about investing while building wealth at the same time! Of course, do get a brokerage which cheaper commissions.

Historically, dividend stocks have been shown to deliver solid long-term returns.

Dividend stocks are a great way to build wealth and generate passive income. They have proved to be more stable than the market as a whole, so you can count on them for long-term growth.

If you’re looking for a way to make money from your investments without having to worry about whether or not the stock will go up or down, then dividend investing is definitely worth considering.

Dividend investing is a sensible way to grow wealth and build passive income streams over time by investing in companies that regularly pay out cash distributions to shareholders

Dividend investing is a sensible way to grow wealth and build passive income streams over time by investing in companies that regularly pay out cash distributions to shareholders.

Things to note before investing in any dividend stocks

Dividend stocks have been shown to deliver solid long-term returns, but there are a few things you should know before diving into this type of investment strategy:

1. Dividend Yield

Always check the dividend yield to determine the annual dividend payment as a percentage of the stock price.

2. Dividend History

Look at the company’s dividend history to see if it has a track record of consistently paying dividends.

3. Growth of Dividends

Consider the company’s dividend growth rate to see if it has a history of increasing its dividends over time.

4. Earnings and payout ratio

Look at the company’s earnings and payout ratio to see if it has the financial stability to continue paying dividends.

A high payout ratio may indicate that the company is paying out a significant portion of its earnings as dividends. This is a typical trait in Real Estate Investment Trusts! Hence do take note to keep some money in case they ask for right issues at very bad market condition!

5. Business Model and sustainability

Consider the company’s financial stability and business model to determine if it is likely to continue paying dividends in the future. If there is any red flags, do take action to take profit or cut loss.

6. Industry Trends

Research the industry and its trends to determine if the company’s business is likely to continue growing and generating income.

7. Diversification

Consider diversifying your portfolio by investing in a variety of dividend-paying stocks, rather than relying on a single stock for income. In case any stock dies, you still have others!

Dividend Journey and your future will thank you!

Dividend investing is a great way to build wealth and generate passive income streams. It’s simple to get started with and there are no limits on how much you can invest or earn from dividends. With the power of compounding returns, you can benefit from regular payments from companies that pay out cash distributions to shareholders.

Your future self will sure thank you if you start now!

Do also read the articles below to learn more!

Good articles that you should read!

People are drawn to dividend investing.

Why? Firstly, dividends provide a regular stream of income, allowing investors to receive a portion of the company’s profits on a periodic basis. This can be particularly attractive for individuals seeking consistent cash flow or looking to supplement their existing income. Additionally, dividend investing is often viewed as a more stable and predictable investment strategy compared to relying solely on capital appreciation.

I always write and share articles, especially on dividends which many people love them. Do read them!

Alternatively, you can go the right side of my page, there is a search bar where you can simply search “dividend” to see all my articles related to dividends!

Of course, you can search for other things that would interest you such as “Careyourpresent”, “Reits”, “Side Hustles”, “Fixed Incomes”, “Savings” etc.

CAREYOURPRESENT

Money just buy you the chance of freedom.

When you are young and working, you exchange time for money. When you are old, you can have lots of money but you can’t buy time back, especially the things that you have missed while busying striking out in career. Of course, if you love your career, and consciously know that you are missing out the first time your child walk or talk, that’s ok, but if you are the other spectrum, please do something about it.

Your kids grew up and they no longer need you to accompany them. They no longer want to sit on your lap to share/do things with you…all these time you spent in your 9 to 6 or even longer cubicles…can the money that you have earned by you back these?

We always thought we have more time with our old parents, but we are wrong. Time with them is ticking away every day. One day it will suddenly be gone. There is no regret medicine, no reset in time. Gone is gone and cannot come back. No matter you are billionaires or millionaires, you cannot reset this.

We always thought that we have more time with our spouse every day, but we are wrong. One day they will be gone too. When you read this, please go tell your spouse that you love him/her and he or she is the best thing that you ever had in your life.

I have picked out some of the more life reflecting articles of the CAREYOURPRESENT series. Do read them:

You can read more about my articles on Careyourpresent via the Category “Careyourpresent” or simply click “Careyourpresent” via the main menu bar.

REMEMBER:

Love your life daily.

You have one less day with your spouse, parents, children and yourself.

Time is ticking away.

For each passing day,

Enjoy and Treasure your Life!

For those who are interested in regular updates of my articles, please join the others to sign up for my free newsletter to has my newest blogposts sent to your mailbox for free!

For real time exclusive updates on market news/life (especially Crypto markets where the news move fast, important news will be shared directly via tweets or telegrams), do also join the platforms below and engage with other like-minded people!

You may also contact me via [email protected].

If you’re looking referral codes, do check out my referral and ebook page. Give it a try and who knows? You might end up loving these platforms! To be absolutely fair to all the readers, I am definitely using all these companies and they are useful to me! Likely will be useful to you too!

At the same referral and ebook page, you can also download my free ebooks and other free resources.

For quick references to these resources, you can see below.

  • Ebooks and other useful resources on enhancing productivity (Investment, Excel, Notion etc). Currently most of it are free at this moment (subject to change).
  • WeBull: A powerful brokerage with nice free welcome gift. You can refer to my guide here on how to signup! 4 Simple step only! Click here to register a new account!
  • MoneyOwl: You can use this 6SHU-93MC to get free grab vouchers and highly safe liquid cash fund account.
  • Trust Bank – You will enjoy free FairPrice E-Voucher referral if you sign up via my referral code KNDBPEPT. Simply download the Trust Bank SG App on the App Store or Google Play Store. Tap on “Use referral code” immediately after you start the app and key in: KNDBPEPT
  • FSMOne: P0413007. Good account to keep liquid cash in autosweep and to purchase investment at low fee.
  • Hostinger: You can use this link for hosting your new website. 20% off hosting!
  • Crypto.com: Use my referral link https://crypto.com/app/h92xdfarkq to sign up for Crypto.com and we both get $25 USD 🙂

WOW amazing! QYLD with 13% p.a. yield and monthly distribution!

Posted on by careyourpresent

Passive Income

This term is one of the key terms that many people like and hoped to achieve. It simply means having income generated from non-active methods such as your 9 to 5 job. In my last article (How to earn passive income using options), I have covered the basic of using cash secured puts or covered calls as option strategies to generate “passive income”. Do take note of the inverted commas, I would like to reiterate that this is not as passive as one think and the risk level is slightly higher.

For those who still can’t understand options, one of the popular is to buy this counter QYLD.

What is QYLD?

QYLD is Global X NASDAQ 100 Covered Call ETF.

The Global X Nasdaq 100 Covered Call ETF (QYLD) follows a “covered call” or “buy-write” strategy, in which the Fund buys the stocks in the Nasdaq 100 Index and “writes” or “sells” corresponding call options on the same index (see QYLD).

In short, this counter will do the job for you by using covered calls to get “passive option” income for you. One just need to buy this counter and collect “monthly passive option income”.

What is Covered Call?

Covered calls are an option strategy that can be used to create a stream of income from the stock you already own, as well as potentially increase your overall profit.

The idea behind this strategy is simple: find stocks that are overvalued and sell call options against them. This allows us to earn premiums from selling call contracts while still retaining full ownership of the shares we hold.

Income from Covered Call

The covered call is based on buying an underlying stock and selling a call option against it at the same time. In other words, if you own 100 shares of Company X and sell one call contract at $10 (at-the-money), then if Company X’s share price rises above $10 per share before expiration date, then whoever owns this particular call option will exercise their right to purchase your 100 shares from you for $10 each–plus any dividends paid out by Company X between now and when their options expire (if any).

Why Covered Call?

Covered calls are an effective way to generate income and potentially increase your overall profit. They can be used as a strategy to:

  • Earn a premium on the stock you already own.
  • Take advantage of the market’s volatility to increase your profits at the same time that it may depress other investments in your portfolio.
  • Protect against losses if the market declines, while still generating income from covered call trades.

While selling covered calls isn’t something I recommend for novice investors or those with limited risk appetite, it can be an effective strategy for seasoned traders looking for a steady stream of income without having to deal with any sort of margin requirements (which most brokers require).

For most other people, QYLD might seems to be a good solution since this is a way to let the professional fund manager to do this strategy for them.

Why QYLD?

There are 3 main reasons stated in the Global X website itself.

  • High income from the covered call option
  • Monthly Distributions as option income
  • Save time and effort

Let’s look at some of the key characteristics of this fund

  • Inception Date: 12/11/13
  • Total Expense Ratio: 0.60%
  • Net Asset: 6.81 Billions
  • Number of Holdings: 102
  • Distribution Yield: 13.03%
  • Distribution Frequency: Monthly
  • Top holdings: Look at the screenshot below, they are all great companies that many love to owned!

Wow, one look at the above, 13% yield with monthly distribution! This is the dream of many “passive income” investor! Where else can you get such good returns from one single counter alone? It’s a must buy without regrets!

Hold on a second… let’s dug further.

Performance

If we look further into the overall returns over the years (see photo below), the annualized return since inception is 5.64% p.a. Not too shabby! But how come it is lesser than the 13% yield mentioned above?

Let’s look at the share price. The share price is actually declining since inception. What does this mean?

CAPITAL LOSS!

Hence it simply means that after discounting the capital loss + dividend return, the actual return is only 5.64% p.a since inception. Hence you don’t really get 13% “passive monthly” income after all but still not that bad after all since there is a 5.64%?

Yahoo Finance

Let’s dig further

I shared some key passive great dividend counters via my past article 4 Dividend ETFs that can let you sleep well even in the scary bear market. Do read again this article if you missed this post earlier. These counters are great for investors (especially for Singapore Investors that worry about withholding tax. London LSE ETF is only 15% tax).

Let’s go back to QYLD and compare the return of this counter with the famous world index fund – Vanguard Total World Stock ETF (VT). This is one of the famous US ETF by vanguard that track the performance of the FTSE Global All Cap Index, which covers both well-established and still-developing markets. This is equivalent to the VWRD ETF that I have shared in the article 4 Dividend ETFs that can let you sleep well even in the scary bear market.

Vanguard

If we look at the return of Vanguard Total World Stock ETF (VT), it gives 6.63% p.a. return since inception date of 6 Jun 2008 but give 8.52% p.a. 10 years return from today which mean (Feb 2012). 5 years return is 5.72% p.a.

If we compared to QYLD above, you get 5.62% p.a. since inception date of Nov 2013 and 3% p.a. return for 5 years return.

Given the figures above, judge for yourself if it is worth it to get QYLD for “monthly passive income from covered calls” or simply just buy world index fund like VT?

Alternatively, you can also compare QYLD with these 5 other shares that I have shared before to draw your own conclusion (5 Best Counters for Passive Dividend Investing).

Good articles that you should read!

People are drawn to dividend investing.

Why? Firstly, dividends provide a regular stream of income, allowing investors to receive a portion of the company’s profits on a periodic basis. This can be particularly attractive for individuals seeking consistent cash flow or looking to supplement their existing income. Additionally, dividend investing is often viewed as a more stable and predictable investment strategy compared to relying solely on capital appreciation.

I always write and share articles, especially on dividends which many people love them. Do read them!

Alternatively, you can go the right side of my page, there is a search bar where you can simply search “dividend” to see all my articles related to dividends!

Of course, you can search for other things that would interest you such as “Careyourpresent”, “Reits”, “Side Hustles”, “Fixed Incomes”, “Savings” etc.

CAREYOURPRESENT

Money just buy you the chance of freedom.

When you are young and working, you exchange time for money. When you are old, you can have lots of money but you can’t buy time back, especially the things that you have missed while busying striking out in career. Of course, if you love your career, and consciously know that you are missing out the first time your child walk or talk, that’s ok, but if you are the other spectrum, please do something about it.

Your kids grew up and they no longer need you to accompany them. They no longer want to sit on your lap to share/do things with you…all these time you spent in your 9 to 6 or even longer cubicles…can the money that you have earned by you back these?

We always thought we have more time with our old parents, but we are wrong. Time with them is ticking away every day. One day it will suddenly be gone. There is no regret medicine, no reset in time. Gone is gone and cannot come back. No matter you are billionaires or millionaires, you cannot reset this.

We always thought that we have more time with our spouse every day, but we are wrong. One day they will be gone too. When you read this, please go tell your spouse that you love him/her and he or she is the best thing that you ever had in your life.

I have picked out some of the more life reflecting articles of the CAREYOURPRESENT series. Do read them:

You can read more about my articles on Careyourpresent via the Category “Careyourpresent” or simply click “Careyourpresent” via the main menu bar.

REMEMBER:

Love your life daily.

You have one less day with your spouse, parents, children and yourself.

Time is ticking away.

For each passing day,

Enjoy and Treasure your Life!

For those who are interested in regular updates of my articles, please join the others to sign up for my free newsletter to has my newest blogposts sent to your mailbox for free!

For real time exclusive updates on market news/life (especially Crypto markets where the news move fast, important news will be shared directly via tweets or telegrams), do also join the platforms below and engage with other like-minded people!

You may also contact me via [email protected].

If you’re looking referral codes, do check out my referral and ebook page. Give it a try and who knows? You might end up loving these platforms! To be absolutely fair to all the readers, I am definitely using all these companies and they are useful to me! Likely will be useful to you too!

At the same referral and ebook page, you can also download my free ebooks and other free resources.

For quick references to these resources, you can see below.

  • Ebooks and other useful resources on enhancing productivity (Investment, Excel, Notion etc). Currently most of it are free at this moment (subject to change).
  • WeBull: A powerful brokerage with nice free welcome gift. You can refer to my guide here on how to signup! 4 Simple step only! Click here to register a new account!
  • MoneyOwl: You can use this 6SHU-93MC to get free grab vouchers and highly safe liquid cash fund account.
  • Trust Bank – You will enjoy free FairPrice E-Voucher referral if you sign up via my referral code KNDBPEPT. Simply download the Trust Bank SG App on the App Store or Google Play Store. Tap on “Use referral code” immediately after you start the app and key in: KNDBPEPT
  • FSMOne: P0413007. Good account to keep liquid cash in autosweep and to purchase investment at low fee.
  • Hostinger: You can use this link for hosting your new website. 20% off hosting!
  • Crypto.com: Use my referral link https://crypto.com/app/h92xdfarkq to sign up for Crypto.com and we both get $25 USD 🙂

How to earn passive income using options

Posted on by careyourpresent

Introduction to Options

When it comes to earning passive income, options are one of the best ways to get started. But before you dive in and start buying and selling stocks and other assets, there are a few things you should know.

Options in short are like insurance where an investor buy/sell call/put options while paying/receiving the option premium.

Many people have heard of options from YouTube, social media etc that options allow you to generate “passive income”. One just need to learn and join their courses to get passive income etc.

This article will cover two popular methods for earning passive income using options trades: covered calls and covered puts.

Selling Covered Calls

Selling covered calls is a way to generate income from your portfolio, but only if you use them correctly. Let’s start with the basics: what are covered calls?

A covered call is when you sell an option(s) that would covers owns an equivalent amount of the underlying security that the investor already owned. In the process, the seller will earn a premium from the buying.

The investor for example holds 100 shares of XXX, he or she can sell 1 call option (=100 shares) of XXX which will expired at a specific expiry date with a strike price. In the process, the investor earn an income premium (some sort like insurance writing).

At the expiry date, if the price of the underlying security is above the option’s strike price, the seller of the option has to sell the 100 shares at the strike price if the buyer of the option chooses to exercise the option. The seller will have to forgo the price gain of the security above the strike price. Conversely, if the price drop below the strike price at the expiry date, the buyer likely will not exercise the option, the seller will thus profit and gain free premium (“passive income” while holding the security).

It sounds like an easy way to make money, but the execution is really not that easy. It is not that “passive” at all.

Selling Covered Puts

Selling covered puts are a way to make money when you think the stock price will go down. A covered put is an option that gives the holder permission to buy shares of a stock at a certain price, with the obligation of paying for them if they’re exercised.

To give you an idea of how this works, let’s say that YYY stock is trading at $100 per share and someone sells one month out from expiration (1 pull option) 100 shares of YYY with a strike price set at $95 per share. If the expiry price is below $95 (e.g. $90), the seller of the option get to purchase the 100 shares at $95 even though the market price is $90. If the expiry price is above $95 (e.g. $100), the buyer of the option will likely not exercise the option, hence the seller of the option will pocket the premium.

This is like a good to cancel order that most investors are aware of – just put the queue at the price you want to buy but there are other risks involved.

You might be wondering how you can get started with options trading. Here are some tips:

  • Understand the basics of options trading.
  • Options are traded on many different exchanges around the world, but they all work pretty much the same way.
  • For example, there are call and put options that allow you to buy or sell an underlying asset at a certain price within a specified amount of time (usually 30 days). The key difference between these two types of trades is whether the seller pays up front for their option—which means they’re assuming risk—or if they do so later in exchange for compensation from whoever buys their contract first.
  • Be aware of fees associated with each type of trade before making any decisions about whether it makes sense for your portfolio.
  • Know which brokers offer lower commissions than others when buying/selling into/out, this will help keep your costs down while still providing access to markets anywhere in world!

Conclusion

As you can see from the above, there are many options available to investors looking for passive income using options trades. It is important that you fully understand them before you begin trading and have a sound plan in place to ensure that your risk is minimal while still generating the expected return on investment (ROI).

In real application, it is not as simple as it seems. I would not recommend any investor especially newbie to use options to generate passive income, moreover attend course and pay people to learn options (you are making them rich, not yourself). This is just an article so share some basic about using options to generate “passive income”.

There are many other considerations that one need to know before doing options. Most people should do better with index Etf investing. Those more adventurous can try dividend investing, growth investing, value investing or the Cryptocurrency if one is even more adventurous.

The two options methods discussed above are popular, but they aren’t the only methods available to investors seeking passive income using options trades. As with any investment strategy, it is important to fully understand how all the various options work and have a sound trading plan in place before you put any money on the line.

5 Best Counters for Passive Dividend Investing

Posted on by careyourpresent

Busy Schedule Busy Life

We are always very busy with work, life, hobbies, families, friends etc and many other things. With so much going on, it can be difficult to prioritize and find the time to invest in one’s financial future. Despite the importance of saving and investing, many individuals put it off, thinking they will have more time and resources later on. Hence, one of the good way is to take a more passive approach for many busy people.

Before i go on to talk about investing, I would like to reiterate that one should never forget to live a real fulfilling life. Live in present, don’t regret past or keep worrying about the future.

I only Truly understand Living in the Moment now after the passing of my mum.

I made the mistake last time and hope no one will do the same like me. Please live a fulfilling life – the final objective with Time as the most precious asset. Tools such as money, investing, planning etc are just the tools to reach your final target goal – LIFE.

What is passive investing?

Passive investing is an investment strategy in which a portfolio is constructed to mirror the performance of a market index, such as the S&P 500 or world index, rather than actively seeking to outperform it by buying individual stocks. This is achieved through low-cost index funds or ETFs, with the goal of matching market returns at a lower cost than active management.

Passive Dividend ETF investing

Passive dividend ETF investing involves investing in exchange-traded funds (ETFs) that hold a diversified portfolio of dividend-paying stocks. The ETFs aim to track the performance of a benchmark index that measures the performance of high dividend yielding stocks. This approach provides passive investors with exposure to a diversified portfolio of dividend-paying stocks with the goal of generating a steady stream of income.

In Singapore contexts, people like to buy Singapore Reits/Stocks because there is no withholding taxes. Some buy Hong Kong Stocks which most has no withholding taxes. Of course, there is an options to buy US dividend counters but usually these are less ideal due to withholding taxes.

Despite this fact, if one still want to buy US dividend counters with a more passive approach. I would recommend these 5 counters with low expense ratio.

Expense Ratio is important

Expense ratios are important to passive investors because they directly affect the net return on their investment. A high expense ratio means a higher portion of the investment is being taken as fees, reducing the overall returns. Low expense ratio funds allow passive investors to keep more of their returns, potentially leading to higher returns over time.

Schwab International Dividend Equity ETF – SCHY

The fund’s goal is to track as closely as possible, before fees and expenses, the total return of an index composed of high dividend yielding stocks issued by companies outside the United States.

Some other key facts about this fund:

  • Invests in non-U.S. high dividend yielding stocks with a record of paying dividends for at least 10 consecutive years, financial strength and screened for lower volatility
  • Expense Ratio: 0.140%
  • Total Number of Holdings: 147
  • Weighted Average Market Capitalization: 63B
  • Yield: 3.67%
  • Highly diversified outside United States
  • Return since inception 04/29/2021: -3.24% (This fund is still quite new given that it started in the year where world markets are coming down.)

Schwab U.S. Dividend Equity ETF – SCHD

For those who like US dividend stock, this ETF is for you.

The fund’s goal is to track as closely as possible, before fees and expenses, the total return of the Dow Jones U.S. Dividend 100™ Index.

Some other key facts about this fund:

  • Tracks an index focused on the quality and sustainability of dividends
  • Expense Ratio: 0.060%
  • Total Number of Holdings: 104
  • Weighted Average Market Capitalization: 127B
  • Yield: 3.39%
  • Highly diversified within United States
  • Return since inception 10/20/2011: 13.82%
  • Look at the top 10 holdings, are you familiar with them?

iShares Core Dividend Growth ETF – DGRO

This is an ETF by iShares that would give you both growth and yield at the same time.

Some other key facts about this fund:

  • The iShares Core Dividend Growth ETF seeks to track the investment results of an index composed of U.S. equities with a history of consistently growing dividends.
  • DGRO offers low-cost exposure to U.S. stocks focused on dividend growth
  • Access companies that have a history of sustained dividend growth and that are broadly diversified across industries
  • Expense Ratio: 0.08%
  • Total Number of Holdings: 448
  • Weighted Average Market Capitalization: 24B
  • Yield: 2.34%
  • Return since inception 06/10/2014: 11.02%
  • Look at the top 10 holdings, are you familiar with them?

Vanguard Dividend Appreciation ETF – VIG

This is one of the major passive dividend fund by our passive fund manager Vanguard.

Some other key facts about this fund:

  • Seeks to track the performance of the S&P U.S. Dividend Growers Index.
  • Passively managed, full-replication approach.
  • Fund remains fully invested.
  • Large-cap equity, emphasizing stocks with a record of growing their dividends year over year.
  • Low expenses minimize net tracking error.
  • Expense Ratio: 0.06%
  • Total Number of Holdings: 289
  • Weighted Average Market Capitalization: 150B
  • Yield: 1.92%
  • Return since inception 04/21/2006: 9.08%
  • Look at the top 10 holdings, are you familiar with them?

S&P 500 Dividend Aristocrats ETF – NOBL

This is the only ETF focusing exclusively on the S&P 500 Dividend Aristocrats – very famous fund that many know of.

Some other key facts about this fund:

  • The only ETF focusing exclusively on the S&P 500 Dividend Aristocrats—high-quality companies that have not just paid dividends but grown them for at least 25 consecutive years, with most doing so for 40 years or more.
  • Often household names, NOBL’s holdings generally have had stable earnings, solid fundamentals, and strong histories of profit and growth.
  • Expense Ratio: 0.35%
  • Total Number of Holdings: 64
  • Weighted Average Market Capitalization: 91B
  • Yield: 2.68%
  • Return since inception 10/09/2013: 11.44%
  • Very diversified across sectors

Which ETFs/Funds should I buy?

If I am an investor who want passive dividend investing and interested more in United States with some exposure to international dividend counters, I would buy all these 5 counters using DCA approach. However, do note that for investors in certain country, there will be withholding taxes which are not ideal as it will eat into your returns.

Nevertheless these are solid passive funds that one can consider to put into its list of portfolio.

Good articles that you should read!

People are drawn to dividend investing.

Why? Firstly, dividends provide a regular stream of income, allowing investors to receive a portion of the company’s profits on a periodic basis. This can be particularly attractive for individuals seeking consistent cash flow or looking to supplement their existing income. Additionally, dividend investing is often viewed as a more stable and predictable investment strategy compared to relying solely on capital appreciation.

I always write and share articles, especially on dividends which many people love them. Do read them!

Alternatively, you can go the right side of my page, there is a search bar where you can simply search “dividend” to see all my articles related to dividends!

Of course, you can search for other things that would interest you such as “Careyourpresent”, “Reits”, “Side Hustles”, “Fixed Incomes”, “Savings” etc.

CAREYOURPRESENT

Money just buy you the chance of freedom.

When you are young and working, you exchange time for money. When you are old, you can have lots of money but you can’t buy time back, especially the things that you have missed while busying striking out in career. Of course, if you love your career, and consciously know that you are missing out the first time your child walk or talk, that’s ok, but if you are the other spectrum, please do something about it.

Your kids grew up and they no longer need you to accompany them. They no longer want to sit on your lap to share/do things with you…all these time you spent in your 9 to 6 or even longer cubicles…can the money that you have earned by you back these?

We always thought we have more time with our old parents, but we are wrong. Time with them is ticking away every day. One day it will suddenly be gone. There is no regret medicine, no reset in time. Gone is gone and cannot come back. No matter you are billionaires or millionaires, you cannot reset this.

We always thought that we have more time with our spouse every day, but we are wrong. One day they will be gone too. When you read this, please go tell your spouse that you love him/her and he or she is the best thing that you ever had in your life.

I have picked out some of the more life reflecting articles of the CAREYOURPRESENT series. Do read them:

You can read more about my articles on Careyourpresent via the Category “Careyourpresent” or simply click “Careyourpresent” via the main menu bar.

REMEMBER:

Love your life daily.

You have one less day with your spouse, parents, children and yourself.

Time is ticking away.

For each passing day,

Enjoy and Treasure your Life!

For those who are interested in regular updates of my articles, please join the others to sign up for my free newsletter to has my newest blogposts sent to your mailbox for free!

For real time exclusive updates on market news/life (especially Crypto markets where the news move fast, important news will be shared directly via tweets or telegrams), do also join the platforms below and engage with other like-minded people!

You may also contact me via [email protected].

If you’re looking referral codes, do check out my referral and ebook page. Give it a try and who knows? You might end up loving these platforms! To be absolutely fair to all the readers, I am definitely using all these companies and they are useful to me! Likely will be useful to you too!

At the same referral and ebook page, you can also download my free ebooks and other free resources.

For quick references to these resources, you can see below.

  • Ebooks and other useful resources on enhancing productivity (Investment, Excel, Notion etc). Currently most of it are free at this moment (subject to change).
  • WeBull: A powerful brokerage with nice free welcome gift. You can refer to my guide here on how to signup! 4 Simple step only! Click here to register a new account!
  • MoneyOwl: You can use this 6SHU-93MC to get free grab vouchers and highly safe liquid cash fund account.
  • Trust Bank – You will enjoy free FairPrice E-Voucher referral if you sign up via my referral code KNDBPEPT. Simply download the Trust Bank SG App on the App Store or Google Play Store. Tap on “Use referral code” immediately after you start the app and key in: KNDBPEPT
  • FSMOne: P0413007. Good account to keep liquid cash in autosweep and to purchase investment at low fee.
  • Hostinger: You can use this link for hosting your new website. 20% off hosting!
  • Crypto.com: Use my referral link https://crypto.com/app/h92xdfarkq to sign up for Crypto.com and we both get $25 USD 🙂