J.P. Morgan Asset Management
Reliable income with 4.8%* p.a. historical payout
Enjoy flexible payouts while keeping your risk exposure low
* As of 30 Jun 2025
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Unlock Your Consistent Income Stream
Income Investing by StashAway lets you secure your financial future with reliable income on your own terms.
Income Investing in a nutshell
- Low-risk fixed income portfolio
- Flexible reinvestment and payout options
- Low fees and 100% trailer fee rebates
- No chasing of rates, no lock-in periods
- SGD-hedged
Low risk, reliable returns
The risk level for Income Investing powered by J.P. Morgan Asset Management is Conservative. Its fixed income asset allocation is aimed at both capital preservation and regular dividend payments via a fixed income strategy.
- Investment-grade credit quality
- No more than 30% exposure to a single fund within the portfolio
- Low expected volatility range of 3-7% over the long-term
Income Investing Product Facts
Historical payout
4.8%¹ p.a.
Portfolio yield
3.3%² p.a.
Annualised performance
5.4%³ p.a.
StashAway management fees
0.2% - 0.8% p.a.
Risk level
Conservative
Portfolio currency
SGD
¹ In SGD terms. The historical payout is as of 30 Jun 2025. The historical payout shows the annualised monthly income payout generated by the distribution share class of the underlying funds in this portfolio. Note that past performance is not a guarantee of future performance. The figure displayed is net of fund level fees and all rebates.
² In SGD terms. The portfolio yield is calculated as the yield to maturity (YTM) of the underlying portfolio, adjusted for the USD/SGD hedging cost, fund-level fees, and rebates. The latest annualised yield is as of 30 Jun 2025 and may change depending on market conditions. Yields are not a guarantee of returns. Positive yield does not imply positive return. Past performance is not indicative of future performance.
³ Performance shows returns since inception on 15 July 2024. Returns in SGD terms after fund-level fees and all rebates but before the StashAway management fee. The latest return is as of 30 Jun 2025. Annualised returns are calculated by extrapolating current performance since inception over a full year (365 days). Past performance is not indicative of future performance.
Estimate Your Income Potential
Curious about how much income you could earn with Income Investing? Use this calculator to easily estimate your potential payout.
Estimate your payout (SGD)
Using the historical payout rate of 0.0%
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Portfolio Performance
Annualised | Since Inception | June 2025 | May 2025 | April 2025 | March 2025 | February 2025 | January 2025 | December 2024 | November 2024 | October 2024 | September 2024 |
|---|---|---|---|---|---|---|---|---|---|---|---|
5.4% | 5.2% | 1.5% | 0.6% | 0.2% | -0.6% | 0.8% | 0.9% | -0.7% | 0.9% | -1.7% | 1.3% |
Returns in SGD terms after fund-level fees and rebates but before the StashAway management fee. The latest return is as of 30 June 2025. Annualised returns are calculated by extrapolating current performance since inception over a full year (365 days). Past performance is not indicative of future performance.
Track record of historical payouts
| 12M Historical Payout |
|---|---|
Jun'25 | 4.82% |
May'25 | 4.89% |
Apr'25 | 4.82% |
Mar'25 | 4.72% |
Feb'25 | 4.66% |
Jan'25 | 4.45% |
Dec'24 | 4.34% |
Nov'24 | 4.38% |
Oct'24 | 4.36% |
Sep'24 | 4.14% |
Aug'24 | 4.23% |
Portfolio Commentary
As of 30 Jun 2025 | In the first half of 2025, markets faced volatility from tariff uncertainty and geopolitical tensions, yet global bonds delivered a 2.8% gain, underscoring fixed income’s stabilising role. Our diversified Income Investing portfolio benefited across all strategies, with emerging markets debt and global high yield bonds leading performance. While US policy shifts may keep markets choppy, the global outlook remains constructive. With its broad diversification and focus on income generation, the portfolio is well positioned to help clients navigate uncertainty and pursue steady returns.
- The Income Investing portfolio is designed to help you set up steady monthly or quarterly payouts, without taking your money out of the market.
- The portfolio invests in income funds, and while the earnings are reinvested, your estimated payout is based on what the equivalent income-paying share classes typically distribute.
- That way, you can stay fully invested while enjoying the flexibility to adjust how much, and how often, you want the payouts.
Portfolio Yield Details
Select Your Flexible Payout Option
Option 1: Automatically reinvest dividends
- Automated reinvesting: Let your money work for you by automatically reinvesting dividends.
- Stress-free optimisation: We leverage J.P. Morgan Asset Management’s fixed income expertise to automatically maximise your yield.
- Change your mind at any time: Start receiving payouts whenever you want to.
Option 2: Receive flexible payouts
- Flexible payout amount: You have full control for as long as your portfolio is funded. Payout amounts above the recommended level may reduce your principal.
- Flexible payout cadence: Choose automated monthly, quarterly, bi-annual, or annual payouts.
- Flexible payout options: Receive payouts to your bank account or StashAway Simple.
We’ve made it easy for you to invest
Reliable Income Investing powered by
J.P. Morgan Asset Management
J.P. Morgan Asset Management is one of the world's leading investment managers, with over a century of experience. They leverage their deep expertise in fixed income to provide the market insights and asset allocation guidance that StashAway uses to build your income-focused portfolio.
Disclosure
Learn how fixed income can add resilience to your portfolio
Discover how fixed-income investments can enhance your portfolio’s stability and growth
Yuejue Jin, APAC Head of Investment Specialists at J.P. Morgan Asset Management, shares expert insights on risk management, market trends, and strategies for long-term success.
How do I know if Income Investing is the right choice for me?
- You're seeking a reliable source of passive income to supplement your retirement, cover living expenses, or achieve other financial goals.
- You value peace of mind and prefer a low-risk fixed income investment approach that still gives you the flexibility of customisable payout options.
- You are concerned about market volatility and want a reliable, stable investment portfolio designed to generate consistent passive income over the long term.
- You want a straightforward, professionally managed investing solution for passive income, providing transparency and clarity in fees and investment strategies.
Start earning Passive Income with StashAway
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Frequently Asked Questions
How do I create an Income Investing portfolio?
1. Sign up or log into your StashAway account.
Is there a minimum deposit for the Income Investing portfolio?
No, you can transfer any amount to start your portfolio. During the set-up process, our income calculator will help you to determine the right principal amount to achieve your income targets.
Since the minimum amount for a single payout from your Income Investing portfolio is $20 SGD, payout options will be limited if this payout amount is not covered by your principal.
How long should I stay invested?
Income Investing usually extends over many years to provide steady, long-term income. The exact investment horizon for an income portfolio generally depends on the investor's age, financial goals, risk tolerance, and income needs.
What is the risk level of Income Investing?
The Risk Level for Income Investing is Conservative. The portfolio aims for capital preservation through investment in fixed income securities that generate regular income via dividends. It is designed for investors seeking a balance between risk and income generation, with a focus on long-term stability.
A Conservative risk level means that your portfolio has a 99% chance of not losing more than 13% of its value in any given year. In other words, there’s a 1% chance that the portfolio may lose more than 13% of its value at maximum in any given year.
How can the portfolio currency be SGD if the asset selection is global?
The base currency of the underlying funds in this portfolio is USD. However, all the funds in this portfolio are invested in the SGD-hedged share class. The SGD-hedged share class aims to reduce the impact of exchange rate fluctuations between the fund's base currency and the investor's preferred currency of exposure. This means that your SGD income will remain stable, even when USD fluctuates. It also means that there is no currency conversion involved at the portfolio level.