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

Tuesday, 2 January 2018

It’s safe to invest entire life savings in stocks. But it can be safer!!! (4)

Uncle8888 has read many books on NLB shelves and Cyber world to look for more reliable way to build sustainable retirement income for life. He has chosen this Method over 3 to 4% Withdraw Rule advocated by many financial planners!

The Balance Sheet

A more sophisticated way to measure the success of a retirement portfolio is the one used by large pension plans. You compare what's called the actuarial present value of your assets and liabilities. The twist: Instead of looking at current assets and liabilities, you look at the value of all your expenses in retirement as a lump sum as compared with the value of all your assets as a lump sum.

Read? It’s safe to invest entire life savings in stocks. But it can be safer!!! (3)

He also improved this Method with his Three Taps Solutions Model to build sustainable retirement income for life without too much dependency on future volatile market cycles for income support.


  1. Hi bro cw

    I think next kopi session is to ask u about how to plan my own tap liao... hehehe

    Happy New Year & wish u healthy always :)


  2. The most simple or i think the best is Assets generate more than enough cash to cover annual expenses.

    That is don't have to draw down on Assets or principles is the best.

    One good solid example is CW's CPF PERPETUAL ANNUITY.
    Only draw interest.

    Even better, best if U draw on the Interest's Interest...

    Now how many in this World can do that?

    Dream on, my friends.

    I do.

    1. Perpetual annuity refer to CPF LIFE?

      Only draw on interest refer to OA? This OA is also a war chest to be deploy when market crash. So earn interest while waiting.

      Ditto for me. Lol


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