##nonwork income: rarely has capital appreciation except prop

I know only a few reliable passive income generators. Capital appreciation + reliable and high dividend yield without active management …. a rare combination. My BridgeRetail and #4-116 are considered bargains.

All other properties can become vacant or rundown. All need active management
As Avichal pointed out, a bit of inactive management could enhance the return.
Most high dividend funds have no consistent and high dividend like HY bond funds
Unlike the property market investments, annuity products are lifetime commitments. Once you put in the money you can’t easily take out any amount without loss of the lifetime benefits.
As discussed with Raymond, airbnb model requires a lot of active management and legwork. Not passive income 🙁

Income Years	Nett rate (not annualized	credit?	active mgmt?	capital appreciation	liquidity	inflation protect
10Y	7%	listed developer	none. very Rare 🙂	big potential 🙂	can sell	good	Cambodia shops
for life:)	8-9% after 10Y wait	trusted to take care of my family 🙂	none	erosion 🙁	worst	worst – super long term	CPF Life
for life:)	7-10%	big insurer	none	erosion 🙁	worst	worst	Allianz income protector


5-20Y	-1% to 7% 🙁	factored into price 🙂	none	could drop:(	excellent	mixed	HY bond fund
many	no guarantee 5-6% gross	no issue	needed	reliable 🙁	can sell	good	HDB flat
many	no guarantee 5~7%	no issue	needed 🙁	big potential 🙂	can cell	good	BGC

dTanbinvest

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##nonwork income: rarely has capital appreciation except prop

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