Last Updated on August 8, 2025 by Chin Yi Xuan
When my dad fainted while jogging in the park last year, and had to undergo a heart procedure – I made a decision:
I’m committing myself to grow my Freedom Fund (dividend portfolio) so one day, I can be by the side of my loved ones when they need me the most.
My dividends, in this case, will be able to cover my monthly expenses – despite taking time off from work for an extended period.
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If you can’t figure out what you want in life, focus on future ‘regrets’:
I find that considering future ‘regrets’ is a powerful way to make important decisions.
In crucial crossroads in life, I like to ask myself:
“Would my decision today fill me with fewer regrets (and more gratitude) in the next 10, 20 years?”
In investing, if I do not commit to building my dividend income today, I’ll regret it because:
- I’d be anxiety AF with cashflow when my loved ones require my attention/care in the future.
- As a self-employed, I’d be unable to go all out in my business without a stable base of dividend income to cover the worst-case scenarios in life.
- I do not like leaving my Freedom of Choice to the mercy of the ever-changing job/career market.
I know from experience: We never appreciate the value of consistent cashflow until shit happens in life.
June and July 2025 dividend update
[Side note] This newsletter is now 3,300 readers strong! To new friends and readers:
From zero, my goal is to build low-maintenance dividend income through my Freedom Fund – and you’ll get all my investing progress & lessons in this weekly newsletter!
In June and July 2025, my Freedom Fund paid me a combined total of RM1320.77:
- June: RM740.72
- July: RM580.05
Growth compared to past years:
- June + July 2024: RM908.57 (+45%)
- June + July 2023: RM543.54 (+143%)
- June + July 2022: RM159.58 (+727%)
Progress takes time and patience – and dividend investing is a testament to that.
p.s. My dividend workshop, where I share the main strategy I use to build my Freedom Fund, has just ended in May!
If you are keen to join my future workshop (Q4 2025), do register your interest on the waitlist HERE.
I will be sure to keep you posted (with special waitlist perks) when it is happening!
[Update] I am taking up my Certified Financial Planner (CFP) qualification!
After 8 years of creating finance content, I am finally taking up CFP!
What’s a ‘CFP’?
CFP is a professional qualification in financial planning, where I’ll learn the knowledge and best practices in things like:
- Investment
- Insurance
- Tax planning
- Estate planning (eg. Will writing)
- And more!
With CFP, my goal is to create higher-quality content for all of you.
From August to December, my weekends will be filled with classes – where I learn from the practitioners.
What’s in it for you?
Every week, I’ll be sharing 3 practical takeaways from my CFP class:
Click HERE to check out what I learned in my first class last weekend!
p.s. Do you have any questions regarding CFP or financial planning? Let me know by replying to this email!
