The Income Pot is the part of your portfolio set aside to generate regular cash flow. The aim is to build a dependable stream of dividends, coupons and distributions that can hold up across market cycles rather than chase the highest yield.
Start with the income you want and the capital you have. Then work backwards to understand the yield your pot needs, compare the available income sources and test what a potential mix could generate.
Build your income target
Enter the income you want and the capital you have
Compare income asset classes
See indicative yields from fixed income, equities & REITs
Test an actual mix
Use the passive income calculator to see what a mix of products could generate
The Income Pot Builder defines the target. The Passive Income Calculator helps you test how you might get there.
Regular cash flow and portfolio stability over the medium to long term
Medium to long term, with a focus on dependable income and resilience across market cycles
Options include quality bonds, bond funds, Singapore REITs, income funds, and equity income strategies.
Chasing the highest yield at the expense of reliability and stability
This builder does not recommend an asset allocation. It shows the yield your capital would need to generate, then compares that target with indicative yields across income asset classes.
Step 1
Tell us the income you want and how much capital you have. We will work out the yield your Income Pot would need to generate.
Monthly income goal
Capital available
Your target annual yield
6.0%
To generate S$500 a month from S$100,000, your Income Pot would need to generate about 6.0% a year in income.
Annual income generated will be S$6,000
*Disclaimer: All investments carry risk, including the risk that the investor may lose all or part of his investment. The data and output from this tool does not constitute investment advice and is not a personal recommendation from Beansprout. It does not have regard to the specific investment objectives, financial situation and particular needs of any persons. Nothing contained herein should be construed as an offer or solicitation for the subscription, purchase or sale of any particular investment product or class of investment product. Any investment activities undertaken using this tool will be at the sole risk of the relevant investor. Any visitor to this page agrees to hold Beansprout harmless against any claims for damages arising from any decisions that the visitor makes based on such information
Step 2
See the indicative yields separately for fixed income and for equities and REITs. This helps show that the source of income matters, not just the headline yield.
Fixed income
Illustrative yield range
Income from fixed income ETFs distribution
1.5% – 7.0%
Name | Dividend yield |
|---|---|
| iShares USD Asia High Yield Bond ETF SGX: O9P | 7.0% |
| iShares J.P. Morgan USD Asia Credit Bond Index ETF SGX: N6M | 4.8% |
| Amova SGD Investment Grade Corporate Bond Index ETF SGX: MBH | 3.2% |
| ABF Singapore Bond Index Fund SGX: A35 | 2.4% |
| ICBC CSOP FTSE Chinese Government Bond Index ETF SGX: CYC | 1.5% |
Equities
Illustrative yield range
Income from company dividends
5.7% – 7.5%
Name | Dividend yield |
|---|---|
| INFINITY DEVELOPMENT HOLDINGS SGX: ZBA | 7.5% |
| SIA: Singapore Airlines Limited SGX: C6L | 6.7% |
| Genting Singapore Limited SGX: G13 | 6.5% |
| ComfortDelGro Corporation Limited SGX: C52 | 6.5% |
| BRC ASIA LIMITED SGX: BEC | 5.7% |
Equities
Illustrative yield range
Income from REITs distribution
8.1% – 11.0%
Name | Dividend yield |
|---|---|
| Sasseur REIT SGX: CRPU | 11.0% |
| ESR REIT SGX: 9A4U | 10.2% |
| Sabana Industrial REIT SGX: M1GU | 8.3% |
| United Hampshire US REIT SGX: ODBU | 8.3% |
| Prime US REIT SGX: OXMU | 8.1% |
Note: The examples currently show a higher yield range for equities and REITs than for the fixed income products shown. That does not make one asset class better. Their income sources and risks to capital are different.
Step 3
Before deciding what goes into the pot, ask yourself the following questions.
01
Income
How sustainable is the dividend, coupon or distribution?
02
Capital
What could cause the value of the investment to fall?
03
Diversification
How dependent would your income be on one company, sector or issuer?
04
Cash flow
When is the income actually paid, and does that match when you need it?
Use these guides to help you get started on building your income pot
Bonds • 19 Jul 2026
Mutual Funds • 28 Sep 2024
ETFs • 13 May 2025
REITs • 20 Jul 2026
You know the yield your Income Pot needs to generate and what instruments to add in. Use the Passive Income Calculator to combine products and see the income that a proposed mix could produce.
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