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Building Your Own ATM Machine !

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image credit to uob.com.sg Sometimes my friends or even relative just wonder how I could survive without working or having “active income” for the past 4 years.   I told them that I have my own “ATM Machine “ that will generate consistent cash flow, quarter by quarter, of course sometimes I can withdraw more money from this ATM and sometimes less.   It has consistently given me the cash without fail even during GFC ( Global Financial Crisis ) , it just a matter of giving out more or less. Yes, it is dividend payout from my shareholding which I’m depending on since 2016 to pay for my monthly expenses and holidays. Of course, I’m not saying is easy to build this ATM Machine, it takes a long time ( very long, almost 20 years for me ) with hard work and saving, investing and reinvesting on the dividend received…taking advantage of the power of “ compounding effect “ as well as spend within your mean ( try to avoid “ Lifestyle Inflation “ ).

Saving on Transaction Cost : 1st Qtr 2019 vs 1st Qtr 2018

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I have done less transaction in 1st Qtr 2019 vs 1st Qtr 2018 although the market has gone up much from the low recorded at the end of last year  In line other with world stocks market, STI also performed well in 1st Qtr, up by +8.02% to 3315  as of writing and my portfolio managed to outperformed market by few % points with ROI of +12% YTD, mainly due to better performance from REITs. Five Best-Performing S-REITs Average 20% Total Return in YTD   <from SGX.com>
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