A real portfolio across India, Singapore, Canada and the US — generating consistent passive income, compounding growth, and monthly cashflow using strategies most investors have never heard of.
I’ve been investing seriously since 2018, when a market downturn that wiped out a chunk of my early savings taught me more than any bull run could have. That discipline now runs four engines across four markets — structured, proven, and still being executed, not just planned.
Hope is not a strategy. This portfolio is engineered with intent — each engine has a defined role, so when one market slows, the others keep performing.
| Instrument | Annual yield | Monthly on ₹10L |
|---|---|---|
| Indian FD | 6–7% | ₹5,800 |
| Mutual fund (avg) | 10–13% | ₹9,200 |
| Covered call ETFs | 15–20% | ₹14,583 |
Very few understand this approach — it’s the method behind this engine’s cash flow. It is how my portfolio generates consistent monthly cash — whether markets go up, down, or sideways. This is what I do with my own money, documented as a record — not a suggestion for what you should do with yours.
Stocks, mutual funds, gold. Things every Indian investor knows. The difference is this is one of four engines — each doing a distinct job, not a single concentrated bet.
SGD and gold. Not exciting. Completely intentional. When markets crash, this engine holds. That stability is what gives the confidence to be aggressive in the other three.
Built around three pillars: ES3 (SPDR STI ETF) for broad Singapore market exposure plus a ~3.5% dividend yield; Gold via GSD ETF, Gold Miners (Picks & Shovels), and gold bond as a pure store of value; and Keppel REIT (K71U) for real estate income, currently yielding 7–8%.
Dividend income, NAV growth, and currency appreciation stack on top of each other — illustrative example, not this portfolio’s exact return.
This portfolio did not appear overnight. It is the result of years of discipline, iteration, and compounding — and it is still being built.
Occasional videos on strategy, market thinking, and what is actually happening inside the portfolio — plus where to find pinkGuava elsewhere.
Get the full portfolio detail — real numbers, real positions, real P&L — as I log it. This is my personal record, not a recommendation of what to do with your own money.
Requests are reviewed personally. If approved, you will hear back within 48 hours with access to the full journal.
Last updated: July 16, 2026
What we collect. When you submit the "Follow the journal" form, we collect your name, email address, country, investment experience level, and (optionally) how you found pinkGuava.
Why we collect it. Solely to review your request, contact you about the outcome, and give you access to the full journal if approved. We do not use this information for advertising, and we do not sell or share it with third parties.
Where it's stored. Submitted data is stored securely in our database (Supabase), hosted outside of Singapore. By submitting the form, you consent to this transfer, as required under Singapore's Personal Data Protection Act (PDPA).
How long we keep it. We retain application data for as long as needed to manage journal access, or until you ask us to delete it.
Your rights. You can ask to see what we hold about you, correct it, or have it deleted at any time, and you can withdraw consent for future contact, by emailing hello@pinkguava.com. We will respond within a reasonable time as required under the PDPA.
Contact. Questions about this policy or your data can be sent to hello@pinkguava.com.