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Arigato, dear investor,

A lot of you have been asking me recently about investing into Singapore bank stocks 👀

Especially after seeing that some bank stocks like DBS Bank are now giving dividend yields of more than 5% per year.

So the big question is…

“Is this a good time to buy bank stocks for passive income?”

Honestly?

I personally think bank stocks can be a great part of a portfolio 🙂

Why?

Because Singapore banks are generally stable businesses that can generate consistent dividends over time.

And for many investors, especially those who want passive income, that 5% yield definitely feels attractive.

But here’s something important I want you to think about too…

While passive income matters, growth matters just as much.

Because if your portfolio only focuses on dividends, your wealth growth may actually become much slower over time.

That’s why personally, I still allocate the majority of my portfolio into the US stock market through ETFs.

Why?

Because historically, many US growth ETFs have been able to grow much faster over the long run compared to traditional dividend stocks.

And when you combine:
✔ Growth from ETFs
✔ PLUS passive income from options

…that’s where things become really powerful 👀

For example, many Singapore bank stocks may give around 5% dividends per year.

But with options strategies, I’ve been generating around 2–3% passive income per month.

Annualised, that is over 20%+ per year.

And this completely changes the game, which has helped me to build up my million dollar portfolio much faster.

In fact, I recently made a video calculating:

“How much money do you actually need to generate $5,000/month passive income from bank stocks?”

The answer shocked many people.

Because for most bank stocks yielding around 5%, you would typically need close to $1 million invested just to generate around $5,000/month consistently.

And let’s be honest…

Most of us don’t start investing with a million dollars 😅

It can take a very long time to reach that stage.

But when you learn how to combine ETFs with options strategies, the capital required becomes much smaller.

For example, at around 2–3% monthly options income, you may only need a fraction of that amount — potentially around $200k+ instead of $1 million — to work towards the same passive income goal in a more efficient way.

And this is exactly why I became so passionate about ETF + options investing.

Not because I want to “trade aggressively.”

But because I wanted a more peaceful and scalable way to:
✔ Grow my portfolio faster
✔ Generate passive income
✔ And create more freedom over time 🙂

That’s also why in my free masterclass, I’ll be sharing:
• How I personally combine ETFs with options
• How beginners can start safely step-by-step
• And how to potentially build passive income without needing a million-dollar portfolio first

If you’d like to learn more, you can check out the free masterclass here 🙂

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Chloe
Arigato Investor

Just a quick heads-up 🌸 Except for Instagram, where I may reply if you comment on my posts, I’ll never initiate a private message to you on any platform. So if you ever get a DM from someone claiming to be “Chloe” or “The Arigato Investor” on Telegram or TikTok — please know that’s not me. It’s a scammer impersonating my account. Stay safe and always double-check 💛

The information provided in this newsletter is for informational purposes only and does not constitute financial advice. Readers should seek their own independent financial advice before making any investment decisions. Please note that the opinions expressed in this newsletter are Chloe's own and do not represent the views of any organization. Always perform your own research and due diligence before investing. 💛