To The Moon

$OCBC Bank(O39.SI)$  

I’ve built a simple yet meaningful dividend portfolio in Singapore — one that quietly works in the background while giving me peace of mind. With a total market value of S$7,402, it may not be huge, but it’s designed for one clear purpose: to generate stable dividends that cover my family’s handphone bills for the entire year.

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💰 Portfolio Composition

My holdings are spread across three solid Singapore blue-chip names:

• Keppel Corp (BN4) – 100 shares

• Singapore Airlines (SIA, C6L) – 200 shares

• OCBC Bank (O39) – 300 shares

Each of these companies offers a unique combination of resilience, dividend strength, and growth potential. Together, they form a diversified base that reflects the backbone of the Singapore economy — energy, aviation, and finance.

$Keppel(BN4.SI)$  

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🏦 Steady Dividends and 5% Yield

The goal of this portfolio isn’t to chase wild capital gains but to build a steady cash-flow machine. At an average dividend yield of around 5%, this S$7,400 portfolio generates about S$350 in annual dividends.

It may sound modest, but that’s precisely the beauty of it — the dividends alone can cover my family of three’s handphone bills for the entire year. In essence, these blue-chip stocks quietly pay for one of our household’s recurring expenses without me having to lift a finger.

That’s the power of dividend investing: turning idle savings into an income stream that supports daily life.

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📈 Performance So Far

As of now, my portfolio shows an unrealized profit of S$102.52, which is a small but satisfying gain. Here’s the breakdown of individual performance:

• Keppel Corp: +S$41.71 (+4.43%)

• SIA: +S$8.66 (+0.65%)

• OCBC Bank: +S$52.15 (+1.04%)

These numbers may fluctuate, but the dividend returns are the anchor — they provide predictable income even when prices move sideways.

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💡 Why These Three Stocks

Each of these companies fits a specific purpose in my income strategy:

• Keppel Corp provides exposure to infrastructure, energy, and renewables — sectors that are essential and benefit from global demand. Its strong balance sheet and consistent payout make it a stable dividend contributor.

• Singapore Airlines (SIA) represents recovery and growth. As international travel demand returns, SIA’s profitability and dividend payouts are likely to stay strong, offering both income and upside.

• OCBC Bank anchors the portfolio. As one of Singapore’s strongest banks, it provides reliable dividends and stability even during market turbulence. Its current yield is attractive, and its long history of payouts adds confidence.

Together, they balance one another — a mix of yield, growth, and safety.

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📦 Held in Cash Boost Account

I keep this portfolio within my cash boost account, where excess funds earn interest while still being ready for deployment. This hybrid setup gives me flexibility — I can collect dividends, reinvest them easily, and keep idle cash productive at the same time.

The goal isn’t just to grow the capital, but to let every dollar work smarter. The dividends flow into the account, the cash earns yield, and the compounding quietly continues.

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📱 Covering Real-Life Expenses

The most satisfying part is knowing this portfolio has a real-world impact. The roughly S$350 a year I expect in dividends directly offsets my family’s mobile expenses — three phone lines fully covered.

It’s symbolic but powerful — a reminder that investing isn’t just about chasing big numbers, but about creating financial comfort and independence through small, consistent wins.

Every dividend payout feels like a small victory — a portion of my living expenses paid by assets, not by active work.

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🌱 Long-Term Vision

Over time, I plan to reinvest every dividend into adding more blue-chip shares, gradually expanding the snowball. Compounding will eventually turn this small dividend stream into something much larger — perhaps one day covering not just phone bills, but also utilities, groceries, or even travel expenses.

My focus remains simple:

✅ Choose reliable, dividend-paying companies.

✅ Reinvest earnings.

✅ Let time and compounding do the rest.

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🧘‍♂️ Final Thoughts

This portfolio may look small in dollar value, but its purpose is big — it represents financial self-sufficiency in everyday life.

While others chase volatile growth or speculation, I prefer the quiet confidence of knowing that blue-chip dividends are covering my family’s bills. It’s stability with purpose — and a foundation I can build on for decades to come.

In short: steady stocks, steady income, steady life. 📈💵

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