Whether we are working young adults, corporate professionals, stay-at-home parents or semi-retirees, having an additional source of income can provide greater financial flexibility.
Unlike a side hustle, investment income does not require us to take on another job. However, it is important to remember that income-generating investments still carry risk, and their payouts and capital values are not guaranteed.
This is where StashAway’s Income Investing portfolio powered by J.P. Morgan Asset Management may be relevant. The portfolio is designed for Singapore investors who want regular income while maintaining a conservative risk exposure.
As of 30 June 2026, StashAway states that the portfolio has delivered an annualised historical payout of 4.6% and has a net SGD portfolio yield of 3.9% per annum. These figures can change with market conditions and should not be treated as guaranteed returns.
Income Investing powered by J.P. Morgan Asset Management Is Designed For Singaporean Investors
Growth-focused investments typically aim to increase in value over time. Investors may eventually have to sell part of their holdings to realise their gains.
An income portfolio, on the other hand, is structured to generate cash flow that investors can withdraw regularly.
StashAway’s Income Investing portfolio invests in a globally diversified mix of fixed-income funds. J.P. Morgan Asset Management provides non-binding market insights and asset-allocation guidance, which StashAway uses when constructing and managing the portfolio.
Investors are purchasing an investment product established and offered by StashAway, rather than investing directly in a J.P. Morgan fund. J.P. Morgan Asset Management also does not assess whether the portfolio is suitable for each individual investor.
StashAway Income Portfolio Does All These While Maintaining Low Fees
For an experienced investor familiar with fixed income, creating your own income portfolio may be possible. However, the Income Investing portfolio powered by J.P. Morgan Asset Management offers J.P. Morgan Asset Management’s extensive experience in fixed income markets, along with low fees.
Source: StashAway
As you can see, there is an USD/SGD hedging, which means it is designed to minimise currency risk – reducing the impact of exchange rate fluctuations between the fund’s base currency (USD) and the Singapore Dollar (SGD).
For an ordinary investor, replicating the same optimisation and hedging strategies would incur a lot of transaction fees and this will have to be repeated across multiple fixed-income investments to ensure proper asset allocation. This is also on top of the hours put in to determine the ideal allocation, which is not ideal if we intend to earn passive income from our investments.
There Is No Minimum Investment Or Lock-In Period
There is no minimum amount required to open an Income Investing portfolio, although investors need sufficient capital to meet the S$20 minimum payout. There is also no lock-in period. Investors can deposit more money, change their payout instructions or withdraw their investments.
However, an income-focused fixed-income portfolio is generally more suitable for investors with a multi-year investment horizon. Withdrawing during a market downturn may crystallise losses.
The portfolio is also eligible for investment using Supplementary Retirement Scheme funds. Payouts and withdrawals involving SRS money remain subject to prevailing SRS rules.
StashAway Charges A Tiered Management Fee
StashAway charges a tiered annual management fee ranging from 0.8% for the first S$25,000 invested to 0.2% for portfolio values above S$1 million.
The management fee is charged on top of the underlying fund-level costs already reflected in the portfolio yield. StashAway also states that it rebates 100% of the trailer fees it receives from the underlying fund managers. As a result, investors should assess their expected return after deducting the applicable StashAway management fee rather than relying only on the advertised portfolio yield.
Invest In The Income Investing powered by J.P. Morgan Asset Management Portfolio
If earning passive income from your investment is important to you, you might want to look at StashAway Income Portfolio. For DollarsAndSense readers, StashAway is giving 50% off in management fees for 6 months, for up to $70,000 in portfolio value.
Sign-up for free today at this link!
This article contains affiliate links. DollarsAndSense may receive a share of the revenue from your sign-ups. You can refer to our editorial policy here.
