Last Updated on March 25, 2026 by Chin Yi Xuan
When I started my Freedom Fund a few years ago, the direction was simple:
To build a low-maintenance portfolio that pays me steady dividends regardless of what season I am in life.
My goal?
- To have the choice to take a step back from work when my family requires more care and attention someday.
- To have the freedom to pursue my curiosity without the burden of cashflow.
- To be a mental buffer in a career full of uncertainties as a content creator.
p.s. You can check out my Freedom Fund HERE.
2025 Freedom Fund Recap
Here are some interesting highlights from 2025:
- Stock market dip in March – April: Added heavily when the market tanked due to Trump’s tariff announcement.
- USD dropped 10% against MYR (from RM4.50 to RM4.05 by year end): This impacted me, as the majority of my holdings pay dividends in USD.
- That said, upon conversion, my yearly dividend income still grew to RM8,420 in 2025, a 18% growth compared to 2024 (RM7,135):
Low maintenance + Monthly Dividend Income
Most dividend portfolios pay quarterly, so you might see spikes in payout every few months.
On the other hand, I designed my Freedom Fund to have a steady monthly payout. Visually, you can see how my dividend income has spread more smoothly in the last 4 years:
Disclaimer:
Not buy/sell advice. Please do your own due diligence and seek guidance from a licensed financial planner before making any investment decisions.
