We are the average 35 yo male and 33 yo female couple earning $180,000 p.a. We have a 3-room hdb fully paid. Resale value is around $350K. Our car is a Japanese sedan left with $20,000 outstanding loan and 2 years loan tenure. $250,000 in cash and $150,000 in Cpf OA. No investment portfolio beside endowment plans. No children. Any suggestion for passive income and wealth accumulation portfolio? Much appreciated.