I first posted here about half a year ago, I have been gathering data and refining my approach since then. Thanks to all who helped.

I currently earn about 4-6% with an investment company, but I think I can do much better. (that's not a lot when you factor in the wrap-fee and other costs) I am a fan of the fire-and-forget Bogleheads approach and have read up on it.

The pertinent considerations for me are that my income is not stable (I freelance) I don't own any property and have no desire to ever start a family. I am not a USA citizen, I'm from Singapore.

I'd like to have my funds split into two streams - one purely into capital gains/growth and the other to generate some passive income for me.

Based on my research, Vanguard ETFs seem to be a good bet for the above, with yields of 8-9% (some even go up to 10-11%, not sure how that is possible TBH)

Looking at (https://www.trackinsight.com/en/fund/VUAA and https://www.morningstar.com/etfs/xams/vwrl/performance) mainly. Also interested in date-time funds as a possible option.

However, when it comes to passive income it's not so simple. While there are ETFs that generate dividends (https://www.fool.com/investing/how-to-invest/index-funds/dividends/) they don't earn as much as the above. My FA suggested trimming from the top where necessary instead of focusing on another income stream.

I would like to have some form of passive income though, because it's good to have something on paper to show when applying for rentals or other red tape situations. To that end, perhaps Vanguard ETFs that pay dividends? (there are some) Or maybe bond funds/bonds instead?

(I would rather not pay the 11% withholding tax if possible of course! and definitely nothing USA domiciled. exploring all options)

When I discussed this with my FA, he didn't have any strong objections to my strategy other than suggesting that perhaps his research team could make tactical changes to increase capital gains in the short-term and profit from market conditions. I was skeptical of that and I told him so - it's hard to outperform the S&P in the long-term.

This is quite long so I'll end it at this point while waiting for comments.

tldr; Bogleheads approach for income capital gains, what funds?