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My passive income journey Who Are We?
Ms. Passive Income is one of the top alternative investment platforms for individuals looking beyond stocks and bonds. We review and vet alternative investment companies across litigation financing, private credit, pre-IPO equity, music royalties, collectables, and more, all personally tested by founder Cindy Shen with her own money.
I’ve been living on passive income for nearly 10 years now, and today I received another deposit of cheque for interest, just another regular day in my life lol I don’t social much, and my dream has always been to rely on passive income. After graduating from Ivey, I have pretty much ditched the traditional finance/investment banking route and instead I’ve explored many niche passive income strategies and alternative asset classes, making numerous trial-and-error attempts. After about 10 years, I’ve found several ways to generate steady passive income without working (though the “tuition” fees were significant, over seven figures). I’ve achieved three types of freedom: time freedom, location freedom, and relative financial freedom (before having kid lol). Those years were easy and enjoyable, with interest payment/dividends/profits coming into my account wherever I was, whatever I was doing (mostly my hobbies and passions).
Over time, I’ve helped some people achieve various forms of passive income. As more people sought me out, I categorized these questions and began discussing and sharing my thoughts and solutions through various platforms, such as YouTube, and my weekly passive income newsletter. The contents were all just my opinions, based on my own experiences and real data and results tested with my own money. So welcome to your journey of discovery of these super niche yet very profitable passive income methods which I can bet that you have not heard it anywhere.
Why should you pay attention? Passive Income You Have Never Heard Of
`If you tried to look for information related to passive income/alternative assets long enough, you probably have realized that very few people on the internet truly have the access to these opportunities , not to mention tested them with their own money and also retired on them.
I have done all of the above.
I have built consistent passive income streams that you probably have never heard of, tested with my own funds and retired on passive income in my 30s.
What’s more, is that I’ve also published my strategies’ real results and numbers to my audience through my weekly passive income newsletter as well as in this website – the good, the bad, and the ugly. In addition, I have shared my knowledge, my real experience and my journey on every single asset class/sponsor team I have tried out, breaking down the mechanism how each asset works, term, ROI, risks, rewards, strategies, and contact information to participate etc to share with everyone. As far as I know, I’m the only one doing this online.
I have actually practiced all the passive income methods I share here, and it’s what allowed me to achieve freedom in my 30s – I can be anywhere I want, doing anything I want, with anyone I want, while income consistently comes in without me working. Therefore, the content I provide is unique—accessible, practical, and backed by my real experience and real results. I’ve even had my social media accounts banned multiple times for sharing these details, so have a great time reading my content while you can still access it lol
Alternative Investment Companies & Platforms I've Tested
Below are the alternative investment platforms and companies I’ve personally invested in spanning litigation financing, private credit, pre-IPO equity, entertainment financing, and collectables. Every single one has been tested with my own money through at least one full cycle before being shared here.
Litigation Financing
My Journey on Passive Income that 99% Population Don’t Hear About
Return on Contract:
10%+ Annually
Term: 6-Month
Prepaid interest
This has been my go-to strategy for nearly a decade, and it’s also one of our most popular methods with our audience. It has consistently performed through both bull and bear markets, making it the key to my long-term passive income. Many of my family and friends have also benefited from this approach. I have retired on this method... ...
Litigation Financing – 30% ROI Anyone?
Return on Contract：
30%+ Annually
Term: 12-15 Months
This is a strategy I’ve been steadily increasing my position in.
In the financial world, the official term for this type of investment is litigation financing—where a third party provides funding for a lawsuit in exchange for a portion of the settlement or judgment. However, what we’re doing is more accurately described as settlement financing rather than litigation financing... ...
Entertainment Financing
Bridge Loan for Film
Short-term bridge loans where the primary use of funds is for securing the booking fee for A-list actors to lock in a filming schedule.
Est. Return: 40%-100%+ Annually
Term: 4-8 weeks
Growing up, I frequently visited my dad's film set, so I've always had a special connection to the film industry. However, it's no secret that this industry burns cash quickly, with a very low chance of breaking even, let alone seeing returns... ...
Coming Soon
Indie Film
Perpetual Cash Flow, 100% Passive
This strategy focuses solely on a very specific niche in independent films, where production costs don’t exceed a certain limit. As someone who spent a lot of time on set with my dad growing up, I’ve always had a soft spot for film investments. But we all know the risks—quick $$ burns, low probability of recouping costs, and no guaranteed returns. But, narrowing it down to certain specialized areas of independent film investing changes the game... ...
Coming Soon
Film Distribution Rights
Est. Return: 20%-40%+ Annually
Term: 6 months
Equity in overseas distribution rights for already successful Asian movies
Coming Soon
Audiobook Investing
Perpetual Cash Flow, 100% Passive
As someone who has loved reading since childhood, I still read about 10-20 non fiction books, 10-20 novels and about 5000 episodes of manga every year —I have a good grasp of this world. By chance, I started investing in audiobooks. I won’t name the titles, but let’s just say they are the kind I would never read myself—awkward titles that might make you cringe. Yet, I knew they would be successful, given the huge fan base and the cliche format of excessive romance... ...
Coming Soon
How To Profit from Beyoncé and Bieber?
Return on Contract: 7% Annually
Perpetual Cash Flow
Earn passive income from music royalties, and everyone can own the rights to songs from famous artists like Justin Bieber, Beyoncé, Drake, and more. This is a strategy I’ve personally tested. I’ve shared all the details in this series, including how it works, who are the borrowers and lendings, risks, margins, expected returns, terms, as well as a series of videos as well.
Private Equity/ Pre-IPO & Bitcoin Mining
IPO Under 90 Days
But this one is nothing like that.
he team behind it has been way too low-key with their publicity (I suspect they’re holding back press releases to pile on the good news post-IPO 😂). There’s basically zero media hype about the fact that they’re going public in under 90 days. Even less known? They still have some allocation left in the final pre-IPO round, plus warrants. According to the founder, institutions have already put in $5M+in one cheque, and overall they have raised 10M+already in this final round. This round closes mid-October (yep, less than 10 days left 😂), and the IPO is slated for early December.
Bitcoin Mining
Est. Return: 40%-200% Annually
100% Passive
Mine bitcoin through hosted end-to-end solutions without lifiting a finger.
The Closest I’ve Ever Been to Changing the World
This is yet another series that I just can’t wait to start writing, because I really feel that this time, it might actually change the world!
Originally, this series was planned to be released next year, in 2026. But because there’s a time window, and after talking with the founder, I truly feel this might be the closest I’ve ever been to participating in something that could change the world. So I thought — if you really want to make time, you can always squeeze some out and I still want to share this series before the end of this year so we can finish the year with a bang!
IPO Hopeful?
This is a project that I’ve participated in 3 rounds, with an expected IPO timeline of 2026/2027 according to the founder team.
Their previous company went public, and early investors reportedly saw at least 30x returns. I had the opportunity to meet the founder by chance, bought a small position, and initially didn’t think much of it. However, after some time, I realized that everything the founder had promised has come true... ...
Unicorn Potential?
This is a startup that I have participated in 2 rounds so far. It’s an AI-based vertical product, and it's rumored to have the potential to join the unicorn club within 36 months.
I have a friend who ended up being an angel to a unicorn on his first try and retired lol He’s heavily invested in this company and told me a lot about it so I put in a small amount in the beginning. To my surprise, just a few months later, the growth has been almost exponential, and now well-known VCs are starting to get involved... ...
Private Credit
Private Lending
Return on Contract:
8%–12%+ Annually
Term: Typically 12-Month
100% Passive
This series covers the first successful passive income strategy I found, which even came before I found Legal Lending. I’m still actively involved in this space today. However, if you're interested in pursuing this, make sure to read the entire series, as the market has changed a lot since then. The later episodes will go into detail about recent strategies and potential pitfalls... ...
Microlending in Africa
Return on Contract:
30%+ Annually
Term: 12-Month
100% Passive
The people I know who are involved in micro loans typically handle 9-10 figure annual volumes, and the margins are exceptionally high—so high, in fact, that if I were to explain it, people might call it a scam. That’s what I know about microlending in Asia. By chance, I found an entry way to microlending in Africa with the same underlying mechanism... ...
Tax Lien & Tax Deed in US
Return on Contract: Up to 18%+ Annually
Term: 1–3 years
This involves various auction strategies, including debt and equity. You can sit at home, click a few buttons every year and make up to 18%. I’ve shared all the details in this series, and I’ve also recorded a screen walkthrough for you... ...
Collectables
Vintage Car Arbitrage
Est. Return: 20-40% Annually
Term: 12 Months
Profit made by arbitraging vintage cars across regions and markets, particularly between North America and Europe
Coming Soon
Vintage Cars
Est. Return: 10-15% Annually
Term: 3 Years
Syndicate vintage collectible vehicles such as Ferrari, Porsche, Lamborghini
Coming Soon
An Enjoyable Hobby That Appreciates Too?
Est. Return: 10-20% Annually
Term: 5–7 Years
When you've been immersed in passive income and alternative assets long enough, you'll inevitably come across the world of wine—whether it's Sotheby's almost-monthly auctions or investors at meetups bragging about a bottle they picked years ago that's now worth several times more. But for me, I had never found anyone who could really break it all down for me.
Fine Wine
Est. Return: 10-20% Annually
Term: 5–7 Years
Age rare or collectible wines and spirits like whisky and tequila
Coming Soon
Artworks
Est. Return: 10-30% Annually
Term: 3-5 Years
Syndicate vintage collectible vehicles such as Ferrari, Porsche, Lamborghini
Coming Soon
Others
A New Strategy with 40%–90% ROI in Year 1
Expected 40%+ ROI
This is the first series contributed by our fans, after we gave the shout-out to our community to submit niche passive income strategies - I hope you find this one insightful as usual!😁
The author of this series is James L.
In the past couple of years, many people—especially those with higher incomes—have been uncomfortable seeing their pay stubs. ... ...
- Beginner’s Guide to Passive Income
- My Journey on Passive Income that 99% Population Don’t Hear About
- Litigation Financing – 30% ROI Anyone?
- IPO Hopeful?
- Unicorn Potential?
- Microlending in Africa
- How To Profit from Beyoncé and Bieber?
- Private Lending
- Tax Lien & Tax Deed in US
- The Beginning
- Typical Asset Class
- Legal Asset Class Cycles, Returns, and Entry Points
- Private Credit Asset Class Cycles, Returns, and Entry Points
- Entertainment Financing Cycles, Returns, and Entry Thresholds (Part 1)
- Entertainment Financing Terms, Returns, and Entry Points (Part 2)
- Entertainment Financing Terms, Returns, and Entry Points (Part 3)
- Collectables Terms, Returns, and Entry Points
- Private Equity/Pre-IPO Terms, Returns, and Entry Points
- Risks and Suitability?
- What to Do? How to Do It?
- How Can You Do It?
#1：Legal Lending
#2：Patent Litigation Financing
The Most Popular Passive Income Strategies In 2025 Based on Your Feedback
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Average Passive Income Earned Per Person in 2025 Using Our Methods
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The Most Passive Income Earned By A Single Individual In 2025 Using Our Methods
My “R&D” Method My “R&D” Method
Whenever I come across a passive income strategy that interests me, I Test with My Own Money first. I try with a small amount to start with, experience at least 1 full cycle, and depending on the experience along the way and the results at exit, I then decide whether to cut the loss or double down for the next cycle. I rinse and repeat multiple times, and time will eventually filter out the losers and then I just keep the winners for as long as they are still winners.
Out of everything I have tried, below are generally what the results are like:
Out of everything I have tried, below are generally what the results are like:
- 90% of my initial “tests” failed, meaning I lost money in them. I consider the loss as “R&D” costs, which is part of learning to get to the winners eventually.
- 5% are on track and still going before the first exit.
- Remaining 5%: success early on and have become sustainable passive income streams for me for years. Expected results are achieved, I continue to double down as time passes.
The strategies I share on this website are usually the third type — I’ve tested them for at least one cycle, achieved the expected results, and they’re actionable for anyone. These are proven strategies that have worked for me (it may not work for you, so please do your own due diligence), and they’re generally unaffected by market conditions and interest rates.
My Principles:
That’s why I share the sponsor teams’ contact info to anyone who reaches out, so everyone can do their own due diligence and build their own passive income framework that works for them.
My Principles:
- Test with my own money;
- Start small, and adjust my position based on results;
- Time will reveal and losers and the winner;
- Cut the losers and keep the winners as long as they are still winners;
- Share my testing journey, real numbers and results with my audience;
- I’m ONLY Responsible for My Own Money, and I only share my own experience and numbers, so anyone interested in exploring the content further SHOULD Do Your Own Due Diligence! Otherwise, don’t try!
That’s why I share the sponsor teams’ contact info to anyone who reaches out, so everyone can do their own due diligence and build their own passive income framework that works for them.
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