First half of 2025 financial target.

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Dear all, 

The first half of 2025 had passed. I hope that everyone is doing well in all aspects of your life. Do you still remember the financial goals that you set and if you are on the track to achieve these goals?

I still remember that in my financial goal setting which was done in Dec 2024 when I decided to aim for earlier retirement in 10 years time at the age of 55. I worked out all the necessary details including the total amount ($6,000 a month or $72,000 annually) that I will need to live in comfort plus a bit more for future investment and inflation. (Everyone will need a different amount due to different lifestyle and planning.) 

To achieve this, I will need to break the $6,000 a month target into yearly short term, medium term (3 years) , and long term (5 years) targets. Once, I completed my setting of the targets, I would set up the actions (how much to save, how to reduce spending to increase saving, how to invest the saving, and when to invest etc)


 Yearly Target (2025) 

Annual Dividend Earning (ADE): $12,000 

Half yearly results (2025) 

Annual Dividend Earning:$6,573 (9.55% ahead of target set)

From what I see, I should have no problem in hitting the dividend target with a good hope of exceeding it as the monthly dividends continue to grow in the next 6 months as we continue our strategy to continue to reinvest our dividends with new waves of capital from our employment income. I will likely to build up a higher amount of capital through a frugal spending. 

In the month of June 2025, I had earn a monthly dividend of $1,133.71. We have an increase of $11.20 compared to the dividend earned in the month of May 2025.  The increase was due to the surge in SYFE Pimco Income Fund which give me $10.10 more and also a 50% increase of my Trust Bank Aberdeen Income Fund dividend from $5.20 to $7.94. These two income funds dividends will continue to grow as we continue to DCA into these two income funds. 

P.s. Not a financial advice. Please treat this as the rambling of an middle age uncle.   

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