Earn passive income
Earn a payout target of 4–6% p.a. with a USD-based, globally-diversified fixed income portfolio.
We’re licensed by the Monetary Authority of Singapore (Licence no. CMS100604).
Earn passive income your way
- Receive regular interest payouts
- Invest with no minimum amount
- Customise your portfolio from 50+ asset classes
- Get attractive yields in any economic environment
- Withdraw anytime with no lock-in period
Choose from 2 passive income portfolios
Portfolio | Stable Income | High Income |
|---|---|---|
Risk | Lower | Higher |
Payout target (as of June 2024) | 4-5%* p.a. | 5-6%* p.a. |
Historical Max Drawdown | 10.50% | 13.80% |
Currency | USD | USD |
Fees | 0.2-0.8% p.a. Click here to see details | 0.2-0.8% p.a. Click here to see details |
*Yield for these templates are projected and not a guarantee for future returns; Please study the product's features, return conditions, and relevant risks before making an investment decision.
Asset class allocation for our Passive Income portfolios
Bonds
99%
- Corporate and government
- Short and long duration
- US and global
Cash
1%
What will you do with your income?
Reinvest
Invest your dividends and yields if you’re looking for a reliable, low-risk way to grow a pocket of your money.
Withdraw
Cash out your dividends when they reach a minimum monthly amount of $20 SGD. You can use it to pay for your bills or any other expenses. There’s no lock-up with our Passive Income Portfolio, so you have access to your money anytime.
Why earn passive income now?
Here’s why investing in fixed-income assets, such as bonds, makes sense.
Bond yields are at decade-highs
Diversifies your portfolio
Generates income
Preserves capital
More about passive income:
Frequently Asked Questions
What’s passive income?
Basically, passive income is any income that you can earn while you sleep. There are two ways to generate passive income:
- Create royalty- or revenue-generating content, such as a blog, podcast, or online course. This strategy requires time and persistence.
- Invest into income-generating investments, such as dividend-yielding bonds or real estate. This strategy requires capital.
Who is the Passive Income portfolio good for?
The Passive Income portfolio might suit you if you:
- Want to preserve your capital while getting regular income payouts.
- Are looking for assets that can do well during a recession, as bonds tend to rise first as markets price in a recession.
- Want to see less volatility in your investments, since income portfolios provide investors with regular payments. In the current interest-rate environment, fixed income is an attractive option thanks to its high yields.
How do I create a Passive Income portfolio?
Our Passive Income portfolio is available as part of our Flexible Portfolios offering. On the StashAway app, select “Flexible Portfolios” > “Start with a template portfolio” > “Passive Income”.
Can I customise my Passive Income template?
You can adjust it any time and make the portfolio unique to your preferences by adding or removing asset classes. For example, you could add exposure to Emerging Markets or local government bonds. Or you might want to reduce interest rate risk by adding Floating Rate Corporate Bonds. It’s free to make any changes, any time you want.
What’s the benefit of investing in a globally-diversified fixed income portfolio?
A portfolio with exposure to international income-generating assets helps investors minimise over-exposure to any single currency or geography, which can reduce volatility in their portfolio over time.