Last month, I shared how I had to extend my retirement age from 42 (SGD 5K per month passive income target) to 47 (SGD 10K per month passive income target) after the shocking discovery that my expenditure per year exceeded what I initially thought I needed. Besides looking at my expenses, I also took an extra effort this year as part of the retirement planning project to scrutinize the patterns of my passive income. Stability of Passive Income  Having a stable & reliable stream of passive income gives me peace of mind. Thus, it is one of my key criteria/assessment when it comes to retirement planning. My Top 3 passive income this year comes from the following :

1. Starhub 70.7% (Telecom – SG)
2. Aimsampi 6.6% (Reit – SG)
3. Apple 6.4% (Technology – US)

As you can see from the distribution, I am too heavily weighted on one ...