Last Updated on May 28, 2025 by Chin Yi Xuan
I love freedom.
To be specific, Freedom of Choice:
- The choice to take a career break whenever I feel like it, without having to stress about cashflow.
- The ability to say ‘No’ to uninspiring work or projects that are not aligned with my values, without feeling FOMO.
- The freedom to spend time with the people that truly matter at any time I choose.
You see, my ideal form of freedom isn’t about being able to go on expensive holidays (though that’d be nice, too).
Rather, it is about being able to pursue life on my own terms.
I set out to build my Freedom Fund around 2 important principles:
- To invest in assets that will generate consistent dividends while I sleep or am occupied with life.
- To design my Freedom Fund to be as low-maintenance as possible.
Simply put, I am designing my Freedom Fund to be the closest thing to a perfect passive income machine.
It may not be ideal for everyone, but for me, it is a practical investment style that takes into account of:
- My pursuit of freedom and peace of mind
- Uncertainties in life (eg. Consistent passive income if I lose my job/business)
How much my Freedom Fund (dividend portfolio) paid me in the past 5 years:
- 2020: RM316 (= my yearly phone bill)
- 2021: RM1397 (= 10 months of lunch covered)
- 2022: RM2079 (= a new phone)
- 2023: RM3924 (= a new laptop)
- 2024: RM7135 (= solo trip to Japan)
I’m sure you are here (reading my newsletter) because you are pursuing your own version of freedom in life, too.
My advice (as your friend in this journey):
Patience is the key. Slowly, but surely.
I wish you the very best!
p.s. How’d you describe your version of freedom? Feel free to share your thoughts with me by leaving a comment in the comment section below!
