The Bedokian Portfolio’s mantra is “passive income through dividend and index investing”. During the portfolio building phase, staying the course of dividend and index investing (peppered with some growth and value styles if you deem fit) through the ups and downs of the markets is correct; some years you will get more, others you may get less. However, if you are presently at the passive income phase, and with down periods such as the ongoing COVID-19 situation, your dividend income stream will definitely be affected one way or another (assuming you have no other forms of income stream).

Though I have yet to reach the passive income stage, I have a plan in place to execute it. The plan involves knowing exactly how much you would have in the coming year, so in lean years like this, I would not be caught off guard. In other words, I need