Last Updated on January 2, 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.
Table of Contents
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:
2025 Freedom Fund individual holdings’ performance
I thought it’d be interesting to show you how each holding in my Freedom Fund performed in 2025:
- DBS Bank (SGD): 36.58%
- IGB REIT (MYR): 33.56%
- HYLD.U (USD): 24.11%
- FUSD (USD): 16.34%
- Axis REIT (MYR): 15.52%
- Syfe REIT+ (SGD): 15.04%
- HTA.U (USD): 14.73%
- USCC.U (USD): 14.55%
- HTA (CAD): 12.38%
- Maybank (MYR): 8.82%
- SCHD (USD): 4.50%
- BTCY.U (USD): -7.24%
Note that these figures do not take into account of currency conversion.
What’s ahead for 2026?
In 2025, I rarely run my dividend workshops due to a packed Certified Financial Planner (CFP) class schedule.
That said, in the 2 workshops that I organized, I’ve managed to hear encouraging words, like this one:
Is building a low-maintenance passive income something you’d be keen to pursue in life?
If so, please let me know by completing a form by clicking the ‘Dividend workshop waitlist’ button below. If there is enough interest, I will do my best organize a few in 2026! ⬇️
Disclaimer:
Not buy/sell advice. Please do your own due diligence and seek guidance from a licensed financial planner before making any investment decisions.
