As from April 2013 my Journey in Investing is to create Retirement Income for Life till 80 years old for two over market cycles of Bull and Bear.

Welcome to Ministry of Wealth!

This blog is authored by an old multi-bagger blue chips stock picker uncle from HDB heartland!

"The market is not your mother. It consists of tough men and women who look for ways to take money away from you instead of pouring milk into your mouth." - Dr. Alexander Elder

"For the things we have to learn before we can do them, we learn by doing them." - Aristotle

It is here where I share with you how I did it! FREE Education in stock market wisdom.

Think Investing as Tug of War - Read more? Click and scroll down

Important Notice and Attention: If you are looking for such ideas; here is the wrong blog to visit.

Value Investing
Dividend/Income Investing
Technical Analysis and Charting
Stock Tips

Friday, 21 July 2017

M1 : Panic Selling Or Speculators Getting Out???

$0.052 XD on 27 Jul 17

More and more sellers giving up on dividend income?

Wednesday, 19 July 2017

Tuesday, 18 July 2017

Monday, 17 July 2017

Don't Ask Such Question Or Advice?

1. Don't ask Barber whether you need a haircut when you really feel your hair is long.

2. Don't ask Frugal persons whether they drink Coffee at Starbucks when alone.

3 Don't ask investment bloggers for advice when they are holding that share and especially they are NOT losing any money on that share


Their answer is obvious and expected!

Former US$2 billion private equity fund now nearly worthless: WSJ

CW8888: It is extremely hard to look far into the future! Then in 2013; the forecast of oil price into $150 and above

Wells Fargo and a number of other lenders are negotiating to take control of a hedge fund previously valued at more than US$2 billion that is now worth close to nothing, according to a report from the Wall Street Journal.

REUTERS: Wells Fargo and a number of other lenders are negotiating to take control of a hedge fund previously valued at more than US$2 billion that is now worth close to nothing, according to a report from the Wall Street Journal.

EnerVest Ltd., a Houston private equity firm that focuses on energy investments, manages the private equity fund that focused on oil investments. The fund will leave clients, including major pensions, endowments and charitable foundations, with at most pennies on the dollar, WSJ reported.

The firm raised and started investing money beginning in 2013 when oil was trading at around US$90 a barrel and added US$1.3 billion of borrowed money to boost its buying power. West Texas Intermediate crude prices closed at US$46.54 a barrel on Friday.

"We are not proud of the result," John Walker, EnerVest's co-founder and chief executive, wrote in an email to the Journal.

Only seven private-equity funds worth more than US$1 billion have ever lost money for investors, according to data from investment firm Cambridge Associates LLC cited in the report. Among those of any size to end in the red, losses greater than around 25 percent are extremely rare, though there are several energy-focused funds in danger of doing so, according to public pension records.

Clients included the J. Paul Getty Trust, John D. and Catherine T. MacArthur and Fletcher Jones foundations, which each invested millions in the fund, according to their tax filings, the Journal reported. Michigan State University and a foundation that supports Arizona State University also disclosed investments in the fund.

The Orange County Employees Retirement System was also an investors and has reportedly marked the value of its investment down to zero.

Sunday, 16 July 2017

Is there such a thing as a 'recession-proof' portfolio?

Read? Is there such a thing as a 'recession-proof' portfolio?

Good reminder to us to build 'recession-resistant' wealth or net worth!

Uncle8888 fully understood this concept of 'recession-resistant' wealth building concept and not all into investment for higher return at all times.

Uncle8888's Three Taps Solution model should be one of those  'recession-resistant' wealth building concept or type.

One Unique Test That Easily Lets You Know How Good You Are At Building Wealth

Read? One Unique Test That Easily Lets You Know How Good You Are At Building Wealth


Read? Speaking And Sharing With Track Records!!!

Let see how Uncle8888 has performed in illustrated diagrams.

Saturday, 15 July 2017


If we need to know how much money we can withdraw from our CPF at 55; we MAY have failed in our retirement planning unless we already plan to retire after 55.

So far what Uncle8888 knows from his peers who are 55 and above; NONE of them bother about how much they can withdraw at 55 as they plan to touch their CPF only after their retirement at 62/65 to 67. 

So how much can we withdraw at 62/65 to 67?

No worry!

By then; it is already done deal!

It is whatever we have in our CPF SA and CPF OA. It is just that simple!

You Love Your Job But Your Company Doesn't!!! (2)

Read? You Love Your Job But Your Company Doesn't!!!

Uncle8888 met his ex-ex-ex colleague in the same MRT's train after X decades. We are now senior citizen roaming the street. After a short chat; he said he was retrenched this year and now in retirement mode.

Hard truth and sad truth. Older human assets are expensive so they are good as cost cutting tool during bad time or when necessary for companies to reduce staff costs.

Keppel Corporation Retail Shareholders' Day.

Eng eng ok lah!

You have successfully been registered for the Keppel Corporation Retail Shareholders' Day.

Please see details of the programme below:
Date: 16 August 2017
Time: 7.30pm to 9.00pm
Location: SGX Auditorium
Address: 2 Shenton Way, SGX Centre 1, Level 2, Singapore 068804
Fee (Member): S$0
Fee (Non-Member): S$0
Fee (Student member): S$0

Registration starts half an hour before the event.

Note: This is an auto-generated email and details of the event may be changed. Kindly look out for a 'Confirmation Email' to be sent to you 3 days before the event date. Please print the "Confirmation Email" and bring it along with you on event day for registration. Thank You.

We look forward to seeing you!

Contributing or Topping CPF MA???

Our CPF MA has immediate use when necessary. It will NEVER be enough based on Uncle8888's personal experience with his older close relatives so it is right thing to top up our CPF MA. Never enough!

This is only CPF account that Uncle8888 will advocate topping up. 

Other voluntarily topping up. Hmm .... case by case hor!

Don't be seduced by social media loud voice. What good for some may be poison for some in later part of their life journey when sudden unplanned sharp needs for liquidity arises! Don't be caught in asset rich. cash poor before 55 and 65. Life sucks!

Uncle8888 has been doing monthly contribution of $50 to his CPF MA as self-employed and may be can qualify for Workfare next year.

Friday, 14 July 2017

No Short Cut In Retail Investing. Our Own Hard Earned Money!!!

The reason for no short cut or Holy Grail is written below:

Overcoming emotional rides over market cycles is not teachable through courses as it is always easy to say: Do this and do that; but it is extremely difficult to follow as retail investors. 

One has to personally ride the emotions and finally discover what is right for oneself to ride future market cycles.

Tuesday, 11 July 2017

Temasek delivers 13% return for the year; Record net portfolio value of S$275 billion; Up S$111 billion over the decade

CW8888's Well known investors CAGR Table

Temasek : 44 years (1974 to Mar 2017) is 15%
Temasek : 20 years (1998 to Mar 2017) is 6%
Temasek : 10 years (2008 to Mar 2017) is 4%

One-year return to shareholder of 13%

10- and 20-year return to shareholder of 4% and 6%, respectively

15% return to shareholder, compounded annually since inception in 1974

Dividend income of S$7 billion, or about 19 times our interest expense for the year

Invested S$16 billion and divested S$18 billion, resulting in net divestment

Singapore, Tuesday 11 July 2017 – Singapore-headquartered investment company Temasek today published its annual Temasek Review, reporting a record net portfolio value of S$275 billion1, and closing the year in a net cash position on 31 March 2017.

Temasek’s one-year Total Shareholder Return (TSR) was 13%.

Longer term 10-year and 20-year TSRs were 4% and 6% respectively. TSR compounded annually since our inception in 1974 was 15%.

Dividend income from our portfolio was S$7 billion for the year ended 31 March 2017. This was about 19 times our interest expense for the year.

Temasek Chairman, Mr Lim Boon Heng, commented:

“While the global recovery is gaining momentum, there are still uncertainties, both in the medium as well as longer term. We have maintained an investment stance that is disciplined but nimble, and built a balance sheet that enables us to capitalise on opportunities and withstand shocks.

We have continued to rebalance our holdings towards longer term macro opportunities such as the transforming economies, as well as emerging new trends such as the digital enablers for new businesses. The strength of our balance sheet also enables us to undertake large projects which may have longer gestation periods, such as the Mandai rejuvenation.”

Monday, 10 July 2017

GIC prepares for protracted uncertainty, low returns

It asks to be prepared for underperformance relative to market indices, posts 20-year real return at 3.7% for FY17

AT a time of heightened uncertainty and "investor complacency", Singapore's sovereign wealth fund GIC is expecting steady long-term returns, and says it has to be prepared to take underperformance against relative benchmarks, with some stretching into several years.

The comments came as GIC reported a 20-year annualised real rate of return of 3.7 per cent above global inflation on its portfolio for the period ended March 31, 2017. This is a dip from the 4 per cent in the 20-year annualised real rate of return reported a year ago.

This means the purchasing power of funds invested with GIC in 1997 has more than doubled, with GIC currently having well over US$100 billion in assets under management. GIC is estimated to be the 10th largest global public investor in the Asia-Pacific, according to think tank Official Monetary and Financial Institutions Forum.

The portfolio returned 5.7 per cent per year in US-dollar terms over the past 20 years on a nominal basis.

GIC noted that the last 20 years have included two periods of very pronounced cycles. The first was the tech bubble in the late 1990s to early 2000s, while the second was the global financial crisis in 2008.

This year's decline in the 20-year real return was largely due to the drop-off of the high returns at the beginning of the tech-bubble period, while the ensuing collapse in values remains within the 20-year period. GIC expects this effect to continue for a few years, dampening the rolling 20-year figure.

In a statement, GIC chief executive Lim Chow Kiat said: "We are prepared for a period of protracted uncertainty and low returns."

He said a key part of GIC's investment strategy in such an environment is to ensure the portfolio remains robust across a range of plausible scenarios, translating to diversification across asset classes, regions, return drivers and risk thresholds.

"As a long-term value investor, we remain cautious and recognise that to generate good real returns over time, we have to be prepared for periods of underperformance relative to the market indices, some even for a stretch of several years," said Mr Lim.

A combination of stretched valuations, high policy uncertainty and unresolved economic imbalances confronts investors today. Notably, the current market pricing does not reflect heightened uncertainty. Mr Lim said: "We are concerned about that. It seems to suggest that there is investor complacency."

Given this environment, GIC has guided that it expects one to 2 per cent real return over the coming decade.

GIC continues to build investments into infrastructure, with PwC estimating US$1.7 trillion in global infrastructure spending through to 2020. GIC was part of a consortium that bought and delisted UK water utility company Kelda Group in 2008. In 2016, it bought 19.9 per cent of United States' largest independent electric transmission company ITC Holdings from Canada's Fortis Inc for US$1.23 billion.

But Jeffrey Jaensubhakij, group chief investment officer of GIC, noted that for many countries, many infrastructure projects still remain owned by the governments, leaving little room for private investors.

In places such as Australia where there is more active privatisation in the infrastructure market, sky-high demand for the assets is translating to very expensive prices.

"In emerging markets, most of the assets are still government-owned and operated. We still need to see a period of time where governments decide to privatise the assets," he said.

GIC continues to see opportunities in the student-housing market where it is among the top global investors. GIC and Singapore's Mapletree Investments have helped to push acquisitions in student housing to a record US$16.2 billion last year, data from Real Capital Analytics Inc, as cited by Bloomberg, showed.

GIC pursued more investments this year. In March, GIC with the Canada Pension Plan Investment Board and The Scion Group jointly acquired three US student-housing portfolios for about US$1.6 billion.

Mr Lim noted that there remains more focus on the student-housing segment in developed markets, as students head to top schools in certain parts of the world.

"We are always on the lookout for assets which can help us to produce a different kind of return stream and student housing is one of those. We expect to continue to be active in the student-housing market," he said.

Mr Lim said in the technology space, GIC is clear there is a "winner takes all" outcome that makes picking the right asset more important and more difficult as well.

In the last few years, the valuation of tech assets has gone up substantially compared to other sectors, though Mr Lim said there is no "bubble territory" for the sector, overall.

GIC's proportion of investment in its six asset classes was fairly unchanged from a year ago.

Investments through private equity stood unchanged at 9 per cent. Likewise, investments in real estate were maintained at 7 per cent, and investments in inflation-linked bonds kept at 5 per cent.

The share of investments in emerging-market equities fell to 17 per cent from 19 per cent, while investments in nominal bonds and cash rose to 35 per cent from 34 per cent. Investments in developed-market equities made up 27 per cent of the total asset mix, up from 26 per cent a year ago.

CW : Not easy to make money from investing!

GIC forgot to employ our "Gurus" who boast 15% return 
to be their advisers?

Sunday, 9 July 2017

Highlights from Sumiko Tan's new book Sundays With Sumiko


5. By the time I was 46, I was reconciled to being single for life – and then I unexpectedly got married. This piece wasn’t actually in The Sunday Times but appeared in Life on a Friday. 

Some real lessons to be learnt from her as Uncle8888 remembered that she wrote few Sundaytimes articles on "nice" part on her singlehood. 

Then at 46 got married and found getting married is truly nice and but not those day of "nice".

Better late than never!

Read? Highlights from Sumiko Tan's new book Sundays With Sumiko

Home Is NOT Just For Living But For Dying Too

How many of us fully understand this?

Should I pay down home loan using CPF OA and/or Excess Cash??? - Re-posted

It will eventually end up in a way that is NO BIG deal from either way we have chosen. 

Zhuangzi told this story to his disciples to make a point.

Once a zookeeper said to his monkeys: "You'll get 3 bananas in the Morning and 4 in the Afternoon." 

All monkeys are upset. 

"OK. How about 4 bananas in Morning and 3 in the Afternoon?" 

Hearing this, the monkeys are content. 

Read? Should I pay down home loan using CPF OA and/or Excess Cash???

Does CPFIS serve its purpose for RETIREES???

Uncle8888 will decide next year on the fate of his CPFIS based on confirmation of CPF withdrawal rules.

Saturday, 8 July 2017

Why there are few advantages to paying off your flat early???


The main reason most people want to pay off their flat is psychological: It might give you peace of mind to know that your home – a major debt – is paid up. But what if we told you that peace of mind can easily be shattered, and turned into a prolonged nightmare?

1. You cannot easily convert your flat to cash during emergencies
2. You may not be making sufficient preparations for retirement
3. You could be paying off your debts in the wrong order

Walau! When Uncle8888 read this article in the cyber world. KNS!

Uncle8888 paid off his housing loan in five years after working for more than ten years i.e. at least 15 years worth of CPF OA money to clear his housing loan. His cash saving is unused for his housing loan! Uncle8888 is not a dumb saver or dumb investor.

The writer just assumed that those could afford to fully pay up their housing loan early are either dumb saver or dumb investor. 

Some writers don't write educational articles based on real people, real life experience; but they write on concept and theory. How useful and practical can it be?

What Uncle8888's  experience on real people, real story on the ground on their housing loan is different.

Quote : It might give you peace of mind to know that your home – a major debt – is paid up. But what if we told you that peace of mind can easily be shattered, and turned into a prolonged nightmare?

On retrenchment: Anybody can be sure that they don't be the next one to be retrenched!

The FACT on real people on the ground: When those who have significant outstanding housing loan; their dream and peace of mind is shattered and prolonged nightmare may be waiting if they are in their late 40s or 50s.

But; for those who have cleared their housing loan; they said heng ah!

Read? Will You Try To Pay Off Your Housing Loan ASAP If You Have One? (7)

Read? Home for Living and not for profit taking - Part 2

Read? debt-free — and that, to me, is richness enough

Read more?

Free Delivery Service???

Sometime; Uncle8888 read in the cyber world when someone emphasizes FREE delivery service when he or she bought something online or order from the shop and have the order delivered FOC to his or her home. They are so happy to emphasize FREE delivery service when sharing in the cyber world. Naive. Got free delivery service meh?

Many of these home deliveries are done by free lance delivery agents/couriers. Do you think these people are doing it for charity? 

Delivery fees are charged on per trip basis and then add on surcharge based on timing; location zoning e.g. CBD, Tuas, Bukit Timah, etc; tier surcharge based on weight (3 kg, 5 Kg, 8 Kg, 10 Kg, 15 Kg, 20 Kg, 25 Kg, etc AND size (L+H+W) 60 cm, 90 cm, 120 cm. 150 cm. etc

Why weight AND size? It is fair charging scheme.

So that light but large item will cost more in delivery fee.

Got FREE delivery meh?

Thursday, 6 July 2017

Hard Thing To Bear. It Can Be Unbearable For Many Of Us

It is ..... Waiting for it to happen; but you can't do anything to make it happens sooner. 

So it is painful to wait and yet NOTHING to do!

This guy asked Uncle8888 how?

Wednesday, 5 July 2017

1997 Asian Financial Crisis: 20 years on

You don't think it is necessary to think and plan ahead financially. May be you haven't live through real hard time of your life yet.

GFC was no where near the suffering of retail investors in AFC where Government hasn't learnt the hard lesson to ring fence retail investors from their Greed. CPFIS fund all hooted tua tua into the stock market. Why gave chance?

Read? Don't Laugh At Ants When They Looked Far Ahead Of Their Time

Tuesday, 4 July 2017

Simple Pleasure By Looking At LongKang and LongKang Fishes!!!

Uncle8888 learnt something new while waiting for his bus arrival at the bus stop.

When the bus stopped; one senior woman came down from the bus first and then help her mother/mother-in-law who slowly get down from the bus with her walking stick.

Once the old lady was firmly on the ground; she pointed to LongKang. Slowly; the senior woman guided the old lady to the LongKang. 

The old lady held on the LongKang's railing and seen to be enjoying the moment looking at the LongKang. Both women chatted and then the senior woman pointed down the LongKang (probably at some fishes) and old lady seen to be delighted.

After a while; the senior woman walked back some distance and took her out handphone to snap some pictures and video shots at the old lady.

Simple pleasure by looking at LongKang and LongKang's fishes and that moment of pleasure by old lady is worth capturing!

Yeap. The Government is doing it right with beautifying our water way (Long Kang) program for simple pleasure especially for those older folks.

Thumb up!

What Happen After No More Company Provided Medical Benefits???

After 40 years (Aug 1977 to Jul 2017); first time Uncle8888 went to Hougang Polyclinics to seek medical consultation for persistent cough and running nose after finishing those leftover medicines from the last consultation with his company's doctor. 

He booked 9.30 AM slot; arrived at 9:13 AM and left at 10:25 AM. It is about one hour and cost after govt subsidy is $17.10


When You Really Have Nothing Better To Do? (2)

Read? When You Really Have Nothing Better To Do?

Read? What will you do AFTER retirement?

Some "retired" from their full-time employment to become SAHM or SAHD e.g. Auntie8888.

After all her children are grown up; the house is seldom messy that requires lots of cleaning effort so she had too much free time and try to keep herself occupied with more gardening. But; staying in high-rise HDB flat; there is limitation on the scale of gardening she can do. 

How much more time can you spent on gardening? So what next?

She took up part-time job as assistant teacher for 22.5 Hours Work Week (Mon, Wed, and Fri) and that is why you can lim kopi with Uncle8888 on evening of Mon, Wed and Fri) LOL!

Monday, 3 July 2017

When You Really Have Nothing Better To Do?

Do this!

Easily 2 to 3 hours passed away like that. Sunset liao!

Simple and easy pastime!

Punggol End's Jetty

Sunday, 2 July 2017

Fake Audience Members in China Make $120 Per Show By Crying and Laughing

Read? Fake Audience Members in China Make $120 Per Show By Crying and Laughing

Fake and scam is everywhere!

How to trust and verify what you read, see and hear?

Will History Repeat Itself???

In investing or trading; most of us are likely to be guided or steered by our own good and bad personal, family or close relatives investing or trading experience; and then we MAY remind ourselves what to avoid. 

Generally; it is better to regret NOT making more then to feel sorry about losing it back all and more.

So Uncle8888 doing 守株待兔 as he is strong believer in market timing based on his own investing experience.

There are the same stock and corporation riding the market and economic cycle of Boom and Doom and the investment outcome year after year over past decade is drastically different. 

It is NOT easy for him to escape from self-trapping into this investing bias. 

So he may be foolish?

Will History repeat itself and allow him to pick up the next batch of multi-bagger yield stocks?

He is betting it by doing 守株待兔!

Saturday, 1 July 2017

Passive Income From Investment Portfolio Is Simple But Not Easy

How many investment bloggers specifically are telling you this?

4% to 5% yield from the stock market is not difficult to achieve so what is left for you as retail investors to perform well in next decades or more!

In investing; your account size really matters - CW8888

It is so simple!

You either earn and save more or leverage higher to reach that level of desired "passive" income.

Historical Monthly Household Expenses Since Oct 2001

9 months from full-time job as employee since Oct 2016 into the next phase of retirement/decumulation life journey without drastic down-grading of last few years of lifestyle. 

Looking at 24 months moving averages; there is insignificant saving from cutting down of personal expenses during work-days tea breaks and frequent more costly TGIF lunches.

Friday, 30 June 2017

H1 2017 Investment Performance Report

Read? Q1 2017 Investment Performance Report

A Goal-based Approach Investing Strategy

Uncle8888 has adopted a Goal-based Approach investing strategy by setting for himself a 10-year progressive Goal Targets to be achieved for each year from 2012 to 2021. 

Our investing journey is not Horse Race or Rat Race where we compete against others.  No! It is our investment Marathon Race where we set our own pace and compete against ourselves to win our own race.

Year 6: H1 2017 Result for Tap No 3 (Cash Flow from Investment Portfolio)

Achieved 44.2% against 54% of 2021 Goal Targets.

Without Mr. Bear; Cash is not King!

Investment Portfolio XIRR
Track, Measure and Visualize! 

Without doing it; how to revise investing strategies and to improve year-on-year investing performance? 

Investment Portfolio's XIRR includes all investable cash plus the current stocks value at market closing price as on 30 Jun 2017.

Since one year ago: +6.5%
Since 1 Nov 2008: +2.0%
Since 1 Jan 2003: +7.1%

Since 1 Jan 2000: +6.7%

The reality of riding market cycles of Bull and Bear

Until we master the Art Of Market Timing to optimize our gains; we will be riding up and down the market cycles without real significant gains.

Building Sustainable Retirement Income For Life Across Future Market Cycles

Real Taps. Real Money!

Tips for newbies/young ones: The bulk of our net worth comes through our saving from our hard earned incomes from our jobs and our investment portfolio will be the Accelerator to become wealthy or reach financial independence earlier when we get it right.

Stop day dreaming from Get Rich Fast scam or 30 minutes a day effort to get rich!

"Fishing"? Under The Trees???

Read? On Blog Leave from 27 to 30 Jun 2017

Go with the flow when nature offered one other activity on the ground! Just do it!

Monday, 26 June 2017

What is good Financial Planning?

Read? What is good Financial Planning?

Saving is saving

Insurance is insurance

Investment is investment

Know clearly the difference among them - Saving, insurance, and investment and don't start comparing them one to one like Apple to Apple when obviously they are NOT!

Recently; Uncle8888 has read in FB's comment section that some are advocating topping up children CPF OA as children's university fund and making CPF looked like super saver account with the wonder of compounding interests and multi-purpose.

When our financial goals e.g. our children's university fund or retirement are decades away; don't be so naive thinking that we will always be there to top up CPF account to meet the financial goals. 

Financially savvy or prudent ones will first seek to protect against human asset and then save or invest towards financial goals!

Read? The Three Matters On Personal Finance: Saving, Insurance, and Investment!!! (2)

How Long Would You Hold A "Value" Stock???

Came across this and set Uncle8888 thinking loud too . Hmm ... and then ..

To answer this question: How long?

First, let us try to understand 3Ms in Investing:  Method, Mind, and Money Management

Our Investing Mind: The Winner and Loser investing mindset and the way we as retail investor may like to think on winners and losers.

The Loser Investing Mind

When we bought a stock based on our investing Method; we will expect our self-defined decent yield with some capital gains in the near future; otherwise we will be waiting at the sideline for the "right" entry price.

But after we have bought; the stock price went south and farther south. Soon; we will be holding on this big loser. When we have held on to big loser year after year. It is matter of time, one day; we will change into Loser investing mind - I want to get out when I can!

That day has finally came when the stock price suddenly surges on good corporate news and begins to trend up, up and away. Now the uptrend soothes the Loser investing mind and soon looking to get out at the "right" time based on our Method e.g. "over-valued, Heng arh or whatever reason!

The Winner Investing Mind

Taking the same example as in the investing scenario in the Loser investing mindset i.e. When we bought a stock based on our investing Method; we will expect our self-defined decent yield with some capital gains in the near future; otherwise we will be still waiting at the sideline for the "right" entry price.

But; the stock price went south and farther south and then we will be holding on this loser. 

However, the main difference is that this stock price has managed to recover in just a few months or less than one year and soon we are sitting on decent yield and good capital gains. 

Winner investing mind in action now!

Then year after year; we are collecting our self-defined decent yield and also sitting on nice capital gains. 

Sell for capital gains? You mean "Kill the Golden Goose for its Meat"?

Why kill a Golden Goose who lays Golden Egg when we are getting infinite yield?

This is how Winner Investing Mind thinks!

How Uncle8888 knows?

Sunday, 25 June 2017

Book : Smart Investors Keep It Simple

After more than 17 years, Uncle8888 is still flipping new investment books on NLB book shelves.

This book is for NEWBIES who want to learn about creating passive income with dividend stocks.

It is a simple read and quite easy to understand.

Obviously; many retail investors even those seasoned ones have failed to understand that we shouldn't look at dividend yield alone for investment decision. Never!

We always consider dividend payout ratio and dividend yield as a pair

They are a perfect couple!

Saturday, 24 June 2017

Investors still looking at returns before considering risks: David Gerald, SIAS

Read? Investors still looking at returns before considering risks: David Gerald, SIAS

Absolutely true!

We just need to read FB of investment bloggers and investment blogs' comment section on the type of questions or views that were asked by readers.

Some are frustrated over lower return from life insurance as they DON'T  REALLY understand the purpose of life insurance is for PROTECTION against human asset and investment return from life insurance is secondary.

Protection against human asset is immediate once the life insurance policy is in force; but your investment portfolio will take years or decades to be significant as protection against your human asset. 

Until we can prove ourselves we are better investor then Term and Investing is the way to go!

Inflation In Other Form And Not Necessary In Price Increase

Obviously smaller now!

On Blog Leave from 27 to 30 Jun 2017

Read? On Blog Leave from 11 to 14 Apr 2017

Is Bear Market that Scary??? (2)

Read? Is Bear Market that Scary???

Casino, Share Financing and Leverages 

Human emotion in dealing with escalating losses and hope to recover from huge losses at all costs is unbelievable when we are in good times and sensible. 

How can it happen when we know we are in control? How come?

This Chinese's saying on escalating losses in gambling, leveraged speculating and investing is evergreen.

Lose until Mad!

Thursday, 22 June 2017

Property Investing - doing the Math (Part 4)

Read? Property Investing - doing the Math (Part 3)

Sunday, 4 January 2009

Property Investing - doing the Math (Part 3)

I have sensed that some of those superfriends are getting ready to invest in property. I presume investing in Sinagpore 99 years Leasehold property as investing in Freehold property would need huge capital and highly leveraged.

CW8888: Wah! It took 8 years for Experts to sound this wake up call in the newspapers as worthy news.

Tuesday, 20 June 2017

Monday, 19 June 2017

Your Work-life In Career Development


Why she passed me this?

But; it has set Uncle8888 thinking about i1 too. His past career development and the truth is that most of us will NOT reach anywhere near the Top of the Corporate Pyramid!

We may have to switch to climb the Inverted Pyramid of Investment where your account size really matters!

5% yield @ $1M investment portfolio is $50K investment income!

Investing Made Simple by Uncle8888 (17) - Reposted!

Read? Investing Made Simple by Uncle8888 (17)

Sunday, 18 June 2017

Don't do everything for me

Read? Don't do everything for me

Singapore Man of Leisure18 June 2017 at 11:24


Don't want!

I prefer to have intellectually stimulating conversations with you - don't agree never mind! Even better!!! 

Pokes are more fun when the gloves are off ;)

Let continue with top up your children's CPF SA ....

Don't do everything for me! Ah Pa or Ah Ma. Don't leh!

Every year you top up your CPF SA and claim tax relief and bom pi pi on your tax saving! So shiok! Double your income; but no double your income tax. Bom pi pi!

Then you bom pi pi and every year also top up your children's CPF SA. After XX year, you have managed to top up your children's CPF SA to FRS. You bom pi pi and give your children high five!

Guess what happen after XX later when your children started working and earn high income and also learn from Papa and Mama on how to save on their income tax by topping up their CPF SA.


When they realized that their CPF SA already FRS liao!

So what is the moral of the story?

Don't do everything for me! 

I want to bom pi pi like you hor!

Hey! Do You Have Any Loved Ones??? (2)

Read? Hey! Do You Have Any Loved Ones???

Liquid asset to net worth

This ratio provides an indication of a person's net worth in cash or cash equivalents. A minimum of 15% is considered prudent to meet short-term emergencies.

CW8888 : When one have more dependents to support; it is better to have  N x 15%

Not sure how of us who are actively pursuing financial independence are cautious of this ratio?

Saturday, 17 June 2017

Hey! Do You Have Any Loved Ones???

Read? Hey! Are You Married With Kids?

If you still have loved ones with you; then securing your financial journey to your retirement endpoint is NOT as simple as you may have thought about it.

When something bad or critical happened to our beloved ones; we may immediately change our mind on the original intent of our money!

Read? That's what an Emergency fund is for!

Real People. Real Shifting of Money

Quote : "It's when my mum gets sick then I realize my port is not my port anyway. Had to liquidate it to pay this pay that."

Friday, 16 June 2017

The Secret Behind $33K CPF Accounts Interests on Jan 2017

Read? My CPF : Like It or Hate It!!!

What is the secret behind $33K CPF accounts interests on Jan 2017?

Doing yearly voluntary CPF contributions?


The secret is  ......

Buy a smaller home when you can comfortably afford a bigger one with your CPF OA balance at the time of purchase and then LIVE (not stay) happily in that home till your retirement.

No need for any voluntary CPF contributions and that is Uncle8888's secret!

Nothing extraordinary about it!

How Much Money Is Enough For Our Retirement???

Read? The Impact of Guaranteed Income and Dynamic Withdrawals on Safe Initial Withdrawal Rates


Those experts are making retirement planning so complicated and full of formula and probabilities.

So far Uncle8888 has find this model for retirement planning easier to plan and understand.

Less Analyzing. More Retiring - CW8888

Read? Romance of retirement very much alive

The way Uncle8888 plans for his own retirement to build sustainable retirement income for life is ...

Step 1 : Know your past annual household expenses. The longer historical data will be more useful and practical guide to forecast how much money is enough factoring inflation.

Step 2 : Don't be afraid to include asset draw-down strategy as part of cash flow to fund future expenses when necessary. This will be the Mother of high probability of success in your retirement planing.

Step 3: Include other sources of cash flow e.g. investment income; ad hoc, part-time or free lance income ; even small or little it will help to extend your retirement plan by 0.XX% decimal points.

Step 4: Other fixed income for your emergency and medical contingency fund on top of whatever medical insurance you deem to be sufficient and practical for your personal medial lifestyle. 

People can be very damn funny. They may swear to be frugal and live their daily life in Ward C and choose the cheapest option available to prove that they are frugal; but they fall sick and thinking that they are going to die soon; then they want to choose the best and willing to pay for the best at high costs at Ward A. 


Read? Medi Shield or Private Shield?

Thursday, 15 June 2017

What Next After Reaching Financial Independence??? (2)

Read? What Next After Reaching Financial Independence???

Read? This South Korean tech start-up hires only seniors over 55, to prove a point

CW8888: Work 200 mins work-day. Okay lah! Singapore have?

The company rosters their workers on four-hour shifts, and makes it compulsory to have a 10-minute break every 50 minutes.

The office is decked out with a chic pantry, a breakout area with couches and books, and even a blood pressure machine that staff can use during their break time.

Wednesday, 14 June 2017

What Next After Reaching Financial Independence???

Our money cannot disappear on its own but it will go to our loved ones or some strangers become "good friends or god-children".

The days when we slowly and slowly and DON'T even realized that we can't count our own money! 

Monday, 12 June 2017

What Is Retirement? Why Some Wish To Retire Sooner But Some Don't???

What can you tell from them?

CEO, GCTO, Manager, and two taxi drivers

BTW, this GCTO finally statuary retired at 67 last Apr 2017 

Read? I 67 still working. You 60 want to retire?

Read? He Has Retired At 58!

Read? The Real World

Read? Six Months After Not Doing Anything To Increase GDP As Jobless Man! (3)

Read? Hey! Not All Self-Employed (Own Boss) Can Suka Suka!

What you think?

Happy at work and high pay. Why retire?

Get f...k too often by higher up. May wish to retire ASAP.

Constraint by fixed overheads; need to work minimum hours.

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