✦ September 2026 Cohort — Now Accepting Applications

You earn well. Your portfolio grows. But does your financial engine have more than one gear?

The Second Income Academy is a structured, conservative approach to building a reliable second income via stock options — in 60 days. Not by turning you into a trader, but through a rules-based system that generates real cash flow from assets you already have.

Live workshop 25–27 Sep · Maximum 5 students · 30-day full-refund guarantee

Joe Zhang, founder of Second Income Academy
Joe Zhang Ex-Google · Conservative options income investor · Singapore

Trusted by peers from

Google Uber ServiceNow advance.ai and more
Andy Hsu

Andy Hsu

★★★★★

I signed up for the program because the idea of building a "2nd income" really resonated with me. I already have a core full-time job, so I was looking for an additional source of income that I could build alongside it.

Another big factor was the people in the community. Joe and several of the other classmates come from a similar tech background to mine, so I found it easy to relate to their experiences.

Since joining the program, I've completed 43 contracts in the past three months. One of the most rewarding parts is seeing the flywheel concept actually starting to work on its own — the process has become more systematic and repeatable rather than relying on individual trades.

Beyond the income potential, the program has also improved my decision-making. I've become better at reading market trends and making decisions based on a structured process rather than reacting to short-term movements.

Joe's continuous sharing of his own learnings has also been especially valuable. Overall, the program has given me not just another potential source of income, but also a clearer framework and greater confidence in how I approach the market.

Terry Toh

Terry Toh

★★★★★

I joined this program to learn how to put my existing stock holdings & spare cash to work & generate additional income instead of letting it sit idle.

I'm not completely new to investing (I've read lots of books about value investing, and have been actively investing via DCA for 5+ years). However, I'm also moderately risk-averse, so I've usually avoided speculative or derivative vehicles like options.

It was hard to find someone I could truly trust to teach me more about options... that is, until I met Joe. He was super transparent and sincere, which went a long way to earn my trust in him and his program.

After going through the program, I was able to put the learnings into practice very easily. I made about $2,500 within 2 months of the workshop with only about 30 minutes of work every night when the markets are open. It's now a non-negotiable daily routine for me!

KT

KT

★★★★★

I joined this program because I wanted to learn how to earn a 2nd income that I can scale to ultimately cover my expenses. I knew options were a way to achieve that but I always found them confusing. Joe was able to break down these complex concepts into very easy to understand bite-sized information.

Joe was highly committed to ensuring we practiced what we learned — actual trades, community calls, and he built a dashboard for us to screen our watchlist and identify opportunities, giving me high confidence before making those trades.

As someone risk averse, I was able to execute on a few profitable trades since the course. Joe also shares his personal trades and learnings transparently — including the ones that didn't go well — which makes me feel like I have a safe room to ask any questions.

Do not expect to be suddenly "rich." I started making about $800–1k a month with a small-ish capital base. Joe was there for me every step of the way and really helped me build my confidence around options.

Tony Wang

Tony Wang

★★★★★

Joe's classes are easy to understand. It's not just about mechanically applying formulas, but about integrating current events and industry analysis with stock technical analysis.

Everyone has different investment styles, preferences, and risk tolerance, but going through a structured learning process helps to clarify your thinking and move you closer to your financial goals.

I especially like that after the main course, there are follow-up interactions with the students. After gaining some real trading experience, everyone comes back to share and learn together.

I think this course is very suitable for beginners who have some capital and want to learn options trading. I started with $50K capital and have now picked up a skill to generate $8k total income in 5 months.

EP

Eugene Peter

★★★★★

I joined the program to find a second income source due to the volatility of my main job, after my past attempts at side projects failed. I trusted the course because I knew Joe personally, and other online training providers don't provide enough capital transparency.

My biggest realization was learning insurance-based options trading, which makes more sense than just buying shares — you get paid to wait and buy shares at a discount. What was most beneficial was the initial "handholding" from Joe, which filled the critical gap between theory and practical application.

In two months, I've generated about $1.5K in income from around eight successful trades, closing most positions early at 80% profit. My confidence has greatly increased, and I now integrate technical analysis into the screening process to make more informed decisions.

JZ

More on the Wall of Love

★★★★★

These are just a handful of the stories students have shared. Scroll down to the full Wall of Love for the complete, live-updating collection — including new results as each cohort completes the programme.

See the full wall →
Andy Hsu

Andy Hsu

★★★★★

I signed up for the program because the idea of building a "2nd income" really resonated with me. I already have a core full-time job, so I was looking for an additional source of income that I could build alongside it.

Another big factor was the people in the community. Joe and several of the other classmates come from a similar tech background to mine, so I found it easy to relate to their experiences.

Since joining the program, I've completed 43 contracts in the past three months. One of the most rewarding parts is seeing the flywheel concept actually starting to work on its own — the process has become more systematic and repeatable rather than relying on individual trades.

Beyond the income potential, the program has also improved my decision-making. I've become better at reading market trends and making decisions based on a structured process rather than reacting to short-term movements.

Joe's continuous sharing of his own learnings has also been especially valuable. Overall, the program has given me not just another potential source of income, but also a clearer framework and greater confidence in how I approach the market.

Terry Toh

Terry Toh

★★★★★

I joined this program to learn how to put my existing stock holdings & spare cash to work & generate additional income instead of letting it sit idle.

I'm not completely new to investing (I've read lots of books about value investing, and have been actively investing via DCA for 5+ years). However, I'm also moderately risk-averse, so I've usually avoided speculative or derivative vehicles like options.

It was hard to find someone I could truly trust to teach me more about options... that is, until I met Joe. He was super transparent and sincere, which went a long way to earn my trust in him and his program.

After going through the program, I was able to put the learnings into practice very easily. I made about $2,500 within 2 months of the workshop with only about 30 minutes of work every night when the markets are open. It's now a non-negotiable daily routine for me!

KT

KT

★★★★★

I joined this program because I wanted to learn how to earn a 2nd income that I can scale to ultimately cover my expenses. I knew options were a way to achieve that but I always found them confusing. Joe was able to break down these complex concepts into very easy to understand bite-sized information.

Joe was highly committed to ensuring we practiced what we learned — actual trades, community calls, and he built a dashboard for us to screen our watchlist and identify opportunities, giving me high confidence before making those trades.

As someone risk averse, I was able to execute on a few profitable trades since the course. Joe also shares his personal trades and learnings transparently — including the ones that didn't go well — which makes me feel like I have a safe room to ask any questions.

Do not expect to be suddenly "rich." I started making about $800–1k a month with a small-ish capital base. Joe was there for me every step of the way and really helped me build my confidence around options.

Tony Wang

Tony Wang

★★★★★

Joe's classes are easy to understand. It's not just about mechanically applying formulas, but about integrating current events and industry analysis with stock technical analysis.

Everyone has different investment styles, preferences, and risk tolerance, but going through a structured learning process helps to clarify your thinking and move you closer to your financial goals.

I especially like that after the main course, there are follow-up interactions with the students. After gaining some real trading experience, everyone comes back to share and learn together.

I think this course is very suitable for beginners who have some capital and want to learn options trading. I started with $50K capital and have now picked up a skill to generate $8k total income in 5 months.

EP

Eugene Peter

★★★★★

I joined the program to find a second income source due to the volatility of my main job, after my past attempts at side projects failed. I trusted the course because I knew Joe personally, and other online training providers don't provide enough capital transparency.

My biggest realization was learning insurance-based options trading, which makes more sense than just buying shares — you get paid to wait and buy shares at a discount. What was most beneficial was the initial "handholding" from Joe, which filled the critical gap between theory and practical application.

In two months, I've generated about $1.5K in income from around eight successful trades, closing most positions early at 80% profit. My confidence has greatly increased, and I now integrate technical analysis into the screening process to make more informed decisions.

JZ

More on the Wall of Love

★★★★★

These are just a handful of the stories students have shared. Scroll down to the full Wall of Love for the complete, live-updating collection — including new results as each cohort completes the programme.

See the full wall →
15–20%Target return p.a.
60 DaysStructured roadmap
30–45 minDaily execution
Max 5Students per cohort

Why This Programme Exists

Asset-rich. Income-fragile.

Many high performing professionals have high net worth on paper — but are fragile in practice, because their financial engine only has one gear.

Problem 01

The Paycheck Trap

Your entire income security depends on one company's next headcount decision. One restructuring, one reorg, one bad quarter — and the paycheck stops. Most professionals know this instinctively, but have no alternative income stream ready.

Problem 02

The Growth-Cash Gap

Long-term investing builds wealth on paper. It doesn't generate cash flow today. Your portfolio may be worth hundreds of thousands — in RSUs, ETFs, or savings — but it doesn't pay your mortgage, fund a career break, or give you the confidence to push back at work.

Problem 03

The Options Misconception

Most professionals assume options are for speculators and day traders — because they've only ever seen options used as bets. Used conservatively, against stocks you already understand, options are one of the most reliable income tools available to individual investors.

Fit Check

Who this is for — and who it isn't.

A trusted, conservative framework for professionals who want to use options as an income tool — not a casino.

This programme is designed for

  • High-performing corporate professionals — in tech, finance, consulting, or MNC environments, with stable income and accumulated savings or stock assets, including idle RSUs or brokerage holdings.
  • Long-term stock investors — who already understand the basics of stocks or ETFs, and want their portfolio to generate income now, not just in 20 years.
  • System-followers — who value rules, structure, and risk control over gut feelings or tips from strangers online.
  • Income seekers — who want a reliable second income stream, not a second full-time career.

This is NOT for

  • Day traders — this system is deliberately slow, deliberate, and boring by design.
  • Speculators looking for "10x" returns — we target 15–20% per annum, documented and realistic. Anyone promising more should show you the capital behind the claim.
  • Anyone unwilling to follow a strict set of risk rules — the guardrails are the system. Override them and it stops working.

The Core Problem

Income fragility isn't a discipline problem.

The problem isn't a lack of intelligence or effort. The problem is that your financial engine only has one gear:

Salary Dependence

If the paycheck stops, the income stops. Every element of your lifestyle — mortgage, school fees, monthly expenses — runs through a single point of failure.

Market Timing Anxiety

Feeling like you can't touch your investments because the market might be down — leaving your capital parked and idle.

Analysis Paralysis

Knowing options are powerful, but feeling too intimidated by the complexity and perceived risk to ever get started.

The Method

The 3-Step G.I.A Framework

We move you from fragility to confidence through a structured 60-day execution roadmap.

Step 1

Gain Knowledge

Understand the fundamentals of options

What options are, how they work, and why — used conservatively — they behave nothing like gambling. You'll leave this step with a clear mental model and zero confusion about the mechanics.
Step 2

Install the System

Learn the full income framework

A rules-based, repeatable process for generating monthly cash flow against stocks you already understand. We build your screening criteria, your risk rules, and your trade management process together. Your income engine is now installed.
Step 3

Amplify with AI

Use AI to run the process efficiently

Use AI (Claude) to remove guesswork and run the process efficiently. You'll learn exactly how to use AI for your morning market briefing, watchlist screening, pre-trade risk checks, and monthly reporting — so execution takes 30–45 minutes a day, not hours.

Built by Joe · Included With the Programme

Your screening co-pilot.

To complement the screening process you'll learn, students get access to the Option Screener — a decision engine Joe built for his own trading. It scans your watchlist against the rules you set, ranks every contract by annualised return, and shows you at a glance which trades deserve your attention.

✓ Rules-based sell decisions ✓ XIRR-ranked contracts ✓ Put-selling heatmap ✓ Capital allocation tracking ✓ Trade log & realised income
screener.joezhang.co
Option Screener — put/call selling decision engine scanning a 21-stock watchlist

The Decision Engine — scans your entire watchlist against your sell rules: trend, support, delta, IV, and budget.

XIRR Heatmap
XIRR heatmap showing annualised returns across strikes and expiry windows

The Heatmap — annualised return for every strike and expiry combination, in one view.

A complement, not a crutch. The tool runs the same checklist you'll learn to run yourself — so you always understand exactly why a trade qualifies before you place it.

Your Roadmap to Results

From first trade to scaled income.

Level 1 · Months 1–2

Get Started

0–5 trades

  • Understand options fundamentals — how they work and how they differ from speculation
  • Set up your income strategy and operating process
  • Establish risk management rules and capital guardrails
Level 2 · Months 2–6

Get Good

5–20 trades

  • Master the trade entry evaluation process
  • Complete full trade cycles (entry → assignment/exercise → covered calls)
  • Learn rolling, closing, and expiry management
  • Leverage AI for screening, trade decisions, and monthly reporting
Level 3 · Month 6+

Get Scale

20+ trades

  • Deploy expanded capital confidently across a broader watchlist
  • Expand your stock watchlist to additional quality names
  • Explore advanced strategies to diversify your income streams

How You're Supported

The Three Pillars of Support

You're never making a decision alone — from your first workshop to your twentieth trade.

1

2-Day Live Foundational Workshop

6–8 hours total in a small-group, high-touch environment (maximum 5 students). We demystify options, explain the income system end-to-end, and establish strict rules and guardrails — including how to set up and use screeners to evaluate opportunities and manage risk.

2

60 Days of Biweekly Office Hours

As you start executing in real market conditions, questions will come up. These sessions are your dedicated space to sanity-check trades, ask questions, and build conviction through real case studies — with someone who has done this before.

3

Biweekly Community Calls & Support Channel

Peer accountability, shared learning from cohort members, and a channel to check your reasoning before you act.

Joe presenting live on stage

Wall of Love

Don't take my word for it.

Real feedback from students and professionals who've learned this system with Joe.

Investment & Commitment

An investment in financial confidence.

$3,300 SGD · 60-day live cohort programme
⚡ Pay in full before 5 Sep → SGD $300 off
  • Duration60 days
  • FormatLive cohort-based (maximum 5 students)
  • Workshop dates25–27 Sep · Fri 8–10pm, Sat & Sun 3–5pm SGT
  • DepositSGD $500 — fully refundable, applied to your investment
3-Instalment Plan Available
1st instalment (upfront)$1,100
2nd instalment (1 month later)$1,100
3rd instalment (2 months later)$1,100
🛡️

The 30-Day Guarantee

If, within the first 30 days, you don't feel clear on how the system works and confident you can use it responsibly to generate income — request a full refund. No questions asked.

Apply for the September Cohort

"This is an investment in financial confidence and long-term optionality — the ability to walk into work on your own terms, or walk away when you're ready."

What Happens Next

Two steps to your seat.

If you're ready to stop relying on a single paycheck and start building a rules-based income stream:

1

Alignment call

We'll have a brief conversation to confirm your goals and risk appetite align with our conservative approach. If it's not a fit, I'll tell you honestly.

2

Enrol & secure your spot

A fully refundable deposit of SGD $500 secures your place — applied toward your full investment upon enrolment.

Fri 25 Sep8:00 PM – 10:00 PM SGT · Live Workshop Day 1
Sat 26 Sep3:00 PM – 5:00 PM SGT · Live Workshop Day 2
Sun 27 Sep3:00 PM – 5:00 PM SGT · Live Workshop Day 3
Max 5Students per cohort — hands-on support for all 60 days
Pay Your Refundable $500 Deposit →

Or book an alignment call to discuss your fit first. Every cohort is capped at 5 students so each participant gets the hands-on support they need during the 60-day execution phase.