That’s S$12,000 in passive income, money that can fund vacations, pay the mortgage, or even accelerate financial independence. While it won’t happen overnight, reaching this milestone before hitting 40 is not impossible, and here’s how. Step 1: Know Your TargetAverage Yield Capital Required 3% S$400,000 4% S$300,000 5% S$240,000 6% S$200,000Firstly, how much passive income do you want? If your monthly goal is S$1,000, that would be S$12,000 annually. Next, estimate the capital required to hit this S$12,000 target:At a moderate 3% yield, you will need S$400,000 in upfront capital.