One of the biggest draws of dividend investing is the idea of replacing part of your salary with investment income. For many investors, S$3,000 a month is a useful retirement target. Whether that figure is enough differs from person to person. The Mathematics Behind S$3,000 a MonthEvery retirement income target starts with a simple calculation. If you want to receive S$3,000 a month in dividends, you’ll need to generate S$36,000 a year.