Passive Income Update 2600Month from Investments

Hey everyone! 👋 I wanted to share an update on my passive income journey, both to track my progress and to exchange ideas with this great community. A few years ago, I set a goal: build enough passive income to have more freedom and flexibility in life. I’m not at full financial independence yet, but I’m making steady progress. Right now, my investments generate €2,600/month, which significantly reduces financial pressure and allows me to reinvest, save, and enjoy life a bit more.

🔍 Where Does My Passive Income Come From?

🏠 Real Estate – €1,950/month

Real estate has been a key part of my strategy, providing a steady source of monthly cash flow. I currently own three rental properties, and here’s how they’re performing:

Dubino, Italy – Rented for €800/month

Roquetas de Mar, Spain (Property 1) – Rented for €450/month

Roquetas de Mar, Spain (Property 2) – Rented for €700/month

I like real estate because it provides stable, predictable income, and over time, the properties appreciate in value. Of course, there are challenges—tenant issues, maintenance, taxes—but overall, it’s been a solid investment.

📈 Dividend ETFs – €650/month

Besides real estate, I also invest in dividend-paying ETFs. My ETF portfolio is currently worth €127,000, and it’s structured to provide a mix of growth and income. I focus on high-yield and dividend-growth ETFs, with an average yield of around 6.14%.

ETFs require zero maintenance compared to real estate. No tenants, no repairs—just passive income that gets deposited into my account. The plan is to keep reinvesting dividends until they can fully cover my expenses.

💡 Lessons I’ve Learned Along the Way

✅ Cash flow is king – Having stable monthly income gives me more options in life.

✅ Diversification matters – Real estate and ETFs balance each other out.

✅ Long-term mindset – The goal isn’t to get rich quick, but to build lasting wealth.

✅ Leverage can be powerful (but risky) – I used some debt to acquire real estate, but I keep my debt levels manageable.

🎯 What’s Next?

I’m currently debating whether to expand my ETF portfolio or acquire another rental property. Real estate offers more cash flow, but ETFs are truly passive. I might go for a mix of both. 🤔

Curious to hear from you all—how do you structure your passive income streams? Are you more into real estate, stocks, or

something else? 🚀💬

$WEBG (-0,9 %)
$QQQY
$SPYY
$HIGH (+0,09 %)

#realestate
#dividends
#investing
#fire

Riccardo@CWS

Hi, I wanted to congratulate you on the portfolio! I went to see the current status and history and I must say that it really stands out (at least, to me) a clear strategy from the beginning!

I saw that over time you got rid of many Italian positions...can I ask you why? To concentrate everything in ETFs as you write?

And how are you doing with IncomeShares ETPs? I'm starting to consider portfolio inclusion as well.

Regarding your question: I cannot speak as an expert, but what I can tell you is that in my opinion you should see what is worth more to you on the scale:
- less stress and more time - and therefore ETFs
- more Assets to manage in the Balance Sheet - and so real estate

In any case you would have cash flow, for me it is just a matter of seeing how much more time you have to devote, compared to the current situation. 🙂
I hope I have given you a cue!

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Giampiero B.@GiampieroB

@CWS Hi Riccardo!!! Over time I realized that I preferred to have only ETFs and no more individual stocks (neither Italian nor foreign), this allows me to be more comfortable in times of market declines!
As far as incomeshares etps are concerned they exploit a put option selling strategy, so as far as I am concerned they should be included in the portfolio after creating a solid and diversified portfolio in stock/bond etfs (anyway I would not go beyond 6/7% of the total portfolio value).
Since you are Italian I suggest you also look at other posts I have published in the past, they might come in handy regarding Italian taxation ;)

@GiampieroB thank you very much for the tips, I had already started to read some stuff in fact 😁

💰 Passive Income Update: €2,600/Month from Investments! 🏠📊