Shyon
07-17 10:34

For me, I wouldn't chase the highest dividend yield. I'd rather own businesses or REITs with healthy cash flow, reasonable payout ratios, and a consistent record of maintaining dividends. A sustainable yield is far more valuable than a high yield that eventually gets cut.

I prefer building my income portfolio in layers instead of relying on one asset class. I'd combine quality REITs for regular income, dividend-paying blue-chip stocks for long-term growth, and Singapore T-bills or high-quality bonds for stability. Diversification makes the income stream more resilient.

One lesson I've learned is to always look beyond the headline yield. I pay close attention to dividend history, cash flow, debt levels, and whether payouts are sustainable. My goal is to build a portfolio that can reliably help cover my expenses over the long term.

@TigerStars @Tiger_comments @TigerClub

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