Falling Dividend Yields, Rising Volatility — How I Structure My Passive Income in 2026

Описание: Dividend yields are starting to compress again. As stock prices climb, headline yields naturally fall — even when underlying earnings remain solid. The STI, for example, now yields around 3.5%, noticeably lower than during the 2022–2023 repricing period.

At the same time, market volatility has not disappeared. Interest rate expectations continue to shift. Credit conditions remain sensitive to growth data. Geopolitical risks still surface without warning. In other words, valuations are rising — but uncertainty has not gone away.

That creates an interesting tension for income investors in 2026. Yields are becoming less generous, yet risk has not meaningfully declined. So the question is no longer simply where to find income. The more important question is: How do we preserve reasonable dividend income without concentrating risk — especially in a more volatile environment?

Today, I want to walk through 5 dividend-focused ETFs listed in Singapore. But more importantly, I want to show how they can be structured into layers — each responding to different economic drivers, which can then act as a coherent income portfolio.
Because when yields compress, diversification across income sources becomes more important — not less.

Not all 5% yields behave the same way.

Not all dividend streams respond equally to volatility.

And not all income should carry the same weight in a portfolio.

As always, let me remind you that this video is for informational purposes only and not financial advice. Always do your own research and consult a licensed financial adviser before making any investment decisions. I own some of the ETFs discussed, but what works for me might not work for you.

Alright, let’s get started.