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 and Gifts for your loved ones!

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

Saturday, 27 August 2016

When Ant Plays Pokemon Go (2)


Read? When Ant Plays Pokemon Go


Finally, Uncle8888 understood the true meaning of "Passive" Income when he is more concerned where to find those missing Pokémon than where to find the next few income stocks and also Auntie8888 doesn't seen to have concerns whether next few month got enough money in "ATM" (Drawer) to buy vegetables.

Come, come , come.

Non-believers.

Any new pokes to say?



Wednesday, 24 August 2016

When Ant Plays Pokemon Go


Read? Great and Ultra Balls in Pokemon and War Chest in Long-term Investing


Got Goal. Got Target. Got Plan!

Level: 24+

Pokémon Caught: 105

Planning to be evolved: 5





Monday, 22 August 2016

Great and Ultra Balls in Pokemon and War Chest in Long-term Investing


How different between Great and Ultra Balls in Pokemon and War Chest in Long-term Investing?


In Singapore's No 1 Hot Spot at 401, when  high CP Gyarados rarely and suddenly appeared, many Pokémon trainers were shaking their head as they didn't have any Balls to hit!

Uncle8888 is typical kiasu and kaisi retail investor and same same as old man Pokémon trainer.

See for yourself!






 
 

Pokemon Go (11)



Read? Pokemon Go (10)

Before Uncle8888's retirement in Sep 2016 ...



 
 
 
Hopefully after his retirement in Sep 2016 ....
 
 
 
 
 
Caught Wild Gyarados
 
 
 
 
 
See for yourself
 
What we see at Blk 401 is mild hor.
 
 
 
 
 
 

Saturday, 20 August 2016

Pokemon Go (10)


Read? Pokemon Go (9)


Let see who is the next investment blogger who still has the cheek to say that passive investors can use Pokémon Go method of investing.

Novice catching is of course NO sweat!

But, Catch Them All with serious Goal and Target is damn hard work. It is not much different from retail investors who are very determined to achieve their investment goals and targets over market cycles. It will require lots of hard work with some element of good luck at the right place and the right time to catch them all!

This is universal true for anything that we don't have control and absolutely have no idea when it will happen. But; when we have spent more than enough time and with some luck we can achieve.


Uncle8888 has spin more than 2,000 PokeStops!






Friday, 19 August 2016

Pokemon Go (9)


Read? Pokemon Go (8)



When the Crowd roars ....

Finally after days have passed; the Crowd including Uncle8888 ...



Wednesday, 17 August 2016

Frugality, Time, And Money???


One day, we may suddenly wake up and realize that frugality going forward not SO worth the while as we have so much money leaving behind and lots of free time on hand; BUT too little time left.

Do we wait to wake up to this reality as YOLO?



Tuesday, 16 August 2016

Portfolio Management - Stop Losses? (2) - Refresh


Uncle if a counter already drop 76% and left 6k

will u decide to leave it there for speculation purpose. if can ride the oil and gas storm, the salty fish may become fresh fish again.
else, all money will be gone.
what will u do?
 
 
CW8888:
 
When it is too late and quite meaningless to cut losses to recover so little. Just write it and move on. This is how commercial or business does it!
 
Just that retail investors don't have the heart to write it off. It is basic accounting principle. Right?
 
Minimum we as retail investors must know this. Right?
 
 
 
 
 
3M's in Investing.
 
Method. Mind. Money Management.
 
Once we write it off and take the paper loss to make it into book keeping "realized loss"; it will affect our  investment portfolio XIRR or CAGR; but there is No cheating whatsoever. It has been rightful accounted.
 
Write it off and move on!
 
Keep worrying over it as paper losses will suck our energy!
 
 

Wall Street hits new record highs

Dow Jones industrial average rose 0.32 percent to 18,636.05, while the S&P 500 index closed 0.28 percent higher at 2,190.15. The Nasdaq composite rose 0.56 percent to 5,262.02. All three indexes set record highs.
Oil prices extended their rally on Monday, with global benchmark Brent advancing 2.9 percent to $48.35 a barrel. U.S. crude futures rose 2.8 percent to $45.74.
 
US stocks jumped to fresh records Monday behind stronger oil prices, while European markets were little changed.
 
All three major US indices pushed to fresh records for the second time in three sessions. Prior to last Thursday, that feat had not been accomplished in more than 16 years.

Wall Street stocks have been propelled to fresh records by the comparative strength of the US economy, coupled with expectations of accommodative monetary policy, including very-low interest rates set by the Federal Reserve.

Analysts said Monday's records were largely due to positive momentum, on a light day as far as major economic reports and earnings.


Monday, 15 August 2016

More Recent Blog Posts On HDB Flat As Financial Windfall???


How many younger folks are really thinking?

Academic thinking or writing is good reading; BUT ....

What Uncle8888 knows from many of older folks around him in his generation - The Baby Boomer era!

Many of them are seriously depending on their HDB flats as their retirement asset class!

They are going to sell or rent!

Can start thinking what is going to happen over the next 10 to 20 years?



Blog To Achieve or blog to Escape???

Borrow SMOL's England: Blog To Achieve or blog to Escape. :-)
 
Once after a long time, Uncle8888 may read again and again something on another investment blogger sulk and whine, "I don't blog anymore!"

It is not just strawberry generation is like that. Even older generation than strawberry can also behave like that. "I don't blog anymore!"

Hmmm ...  They just love some people to come and sayang them to continue blogging?


Blog to achieve or blog to escape?










 

Sunday, 14 August 2016

Pokemon Go (8)


Read? Pokemon Go (7)


Play Pokémon Go and have a free ice cream too.

Nice gesture from Wall's


Pokemon Go (7)


Read? Pokemon Go (6)


With this Pokémon Go Craze, Uncle8888 also changed his jogging routine at Punggol Park. Instead of jogging one round and followed by four and down to one Pull Up and gave up.

He now does power walk one round Punggol Park to Catch Them All and then followed by four and down to one Pull Up. When no more energy for even one Push Up then pack up and goes home.

Wah!

Realized some investment blog posts linking Pokémon Go method of Catch Them All to Investing.

Got Walk The Talk and Catch Them All bo?



Saturday, 13 August 2016

Investing advice for 20 somethings - that's how I have done it too! (3)


Read? Investing advice for 20 somethings - that's how I have done it too! (2)


In the End; it is nothing more than just our Human Asset and our Financial Assets.

How high CP is our Human Asset?

High value human assets with high saving power can easily walk the investing path of more "passive" investing approach and focus more of their time, energy, and resources to evolve their human asset to higher CP Power like Pokémon creatures.

How do you foresee the value of your human asset over next 15 to 20 years?

Higher CP power or lower?

Stuck or lower CP power can still evolve through more passive investing approach to supplement your human asset for retirement? Can meh?

Come and follow Uncle8888 chase Pokémon Go and lim kopi at various places. Catch Them All! Got spare time in between may be he can share how to catch stocks too? LOL!


Pokemon Go (6)


Read? Pokemon Go (5)


Pokémon Go and Investing Goals


Catch Them All. Same same. They both require plenty of time and patient waiting. When these rare ones suddenly appear; it doesn't we can catch it at first but keep trying until Gotcha if not wait again patiently!

How differently from catching cheap blue chips? High CP Power hor?

Dividend yield on cost can be as high as 50% on good year!

Uncle8888 catches until battery flat and phone shutdown! LOL!








Friday, 12 August 2016

Pokemon Go (5)



Uncle8888's night jog in Punggol Park i.e. jog one round and follow by pull up; repeat until the last pull up can't make it. It about 4 to 6 rounds depending on the nightly mood and energy. After his jog; he then joined in the Pokémon Go craze crowd and catch until his phone's battery dead.




 
Read? Pokemon Go (4)

Investing advice for 20 somethings - that's how I have done it too! (2)


Read? Investing advice for 20 somethings - that's how I have done it too!


This is Fact!

Big Fat Wallet may invest primary for income. Small Thin Purse should be investing for Growth-Dividend and one day becomes Big Fat Wallet.

How many truly understand how companies GREW their Balance Sheet, dividend payout ratio and yield on investment cost as a PAIR, and retained earning?

Many people may know what is balance sheet; but how about the HOW part?


Read? More search on growth dividends





All major US stock indexes post record closes; oil rallies

Thursday also marked the first time since 1999 the Dow, S&P and the Nasdaq posted record closing highs on the same day, according to Bespoke.
The Dow Jones industrial average closed about 115 points higher, with 3M contributing the most gains. The 30-stock index also traded above a previous record high of 18,622.01.

The benchmark S&P 500 advanced about 0.5 percent, with energy rising more than 1 percent. The index also briefly traded above its previous all-time intraday high of 2,187.66.





Thursday, 11 August 2016

Investing advice for 20 somethings - that's how I have done it too!


Read? Career advice for 20 somethings - that's how I approach investing tool


So after reading a few investment bloggers who have achieved financial independence and then knowing a few more investment bloggers reaching financial independence soon.

You became so inspired!

You love to follow them to financial independence; then you have enough FU$ or No Thanks$  to stay on your job as option.

Wonderful and great feeling!

Trust but Verify - SMOL

One upon a time, one day Uncle8888 innocently and doubtfully asked this late millionaire "Guru" who has wonderful gave back plan to society to make 10,000 future millionaires through his investment training course at his blog's chatbox one simple Yes or No question.

Did you become millionaire from your investment gains in the stock market or from your business? If yes, can show an audited statement of your investment gains?


Till his grave; he still haven't answer this simple Yes and No question.


In investing, your account size really matters - CW8888


The best approach to build up this account size?

You are inspired to build it through the stock market?

Then Good Luck!


Edge in long-term investing across market cycles?

Not account size; then what?





Wednesday, 10 August 2016

Pokemon Go (4)


Read? Pokemon Go (3)


What not Crowd Funing. Then what?
 
20:22





22:05



Tuesday, 9 August 2016

Pokemon Go (3)


Read? Pokemon Go (2)


Uncle8888's weekends or free days morning exercise at Punggol Park Finess Corner.


Government has spent so much money and effort for SGActive to get more people's butt moving into the parks but not really successful.

You can see the power of Pokémon Go!

Many people just Go and get their butt moving and Catch Them All!










Market Timing or Time In The Market???


Uncle8888 as meticulous Ant and Investment Blogger will have more Historical records of his investing experience, performance, outcome and REVIEWS to share.

The unending debate, opinion, and common market wisdom on Market Timing and Time in the Market.

Here is Uncle8888's own experience and outcome after more than 16 years in the stock market trying to understand these common market wisdom.

How wise are these wisdom?

As of last Friday market closing price:













What Is Long-Term Investing And Short-Term Trading???






When Uncle8888 started this blog on Sunday, 19 November 2006; he named the title of his blog to his investing and trading strategies which he has been revising and executing since Jan 2000 when he became serious and convinced that the stock market (Investment quadrant) is the way to go after reading Rich Dad, Poor Dad in Dec 1999.


 
 


Read? The journal begins ...



After more than 16 years in Singapore's local stock market, one picture shows it all. What is long-term investing and short-trading?

Look carefully at the picture; the current yield on investment cost on his top 3 holding is coming back to full circle. It looked like a Normal Bell Curve; the two extreme points are resting at the same level; but they are way far apart.

The difference is how we are done with long-investing and short-term along this long journey across market cycles at the end. Are we richer than we began?

It was full of nerves and guts to STOP listening to those "smarter" ones from time to time coming to him to advise or telling him that he should to do this or do that according to classic market wisdoms which they have known or practiced. But; this picture tells a different story after more than 16 years across market cycles.

Believe who now?
 
 
 



















Monday, 8 August 2016

Pokemon Go (2)


Read? Pokemon Go


Wow! Look at the crowd gathered together to catch them all.
 
Uncle8888 joined in the crowd liao.







Knowing when is Enough is never an easy decision to make.



Read? The Departure Chronicles: Reflections of my 13 years



Uncle8888 knows it very well. Knowing when is Enough is never an easy decision to make. But, some may like to think that passive income exceeds household expenses is financial independence.

Wish you good luck on your journey beyond the edge of financial independence.


As Microsoft Excel man; it took many years and countless of revised and revised version of Excel worksheets and graphs to finally convinced him that is Enough.








Are You Ready To Invest Like Uncle Chua???


Received one hearsay email :-)


Uncle

Everybody now keep cash and a lot broker said market will drop.
 
How do u think?


Tuesday, 24 March 2015

Read? Uncle Chua's School of Long-term Investing??? (2)






How we made 112% returns on DBS on dividends only


DBS 2016 H1 dividend still maintain at $0.30. Uncle8888 was expecting it to be cut from $0.30 to $0.26 to $0.28.

He forecasted dividends for 2017 to 2019 to be $0.56 as his future cash flow from DBS.

Read? How we made 338% returns on Semcorp Ind on dividends only



 
 
 
 
Top Three Joy but
also Pain in the Ass during this O & G long and harsh Winter.
 
The Moral of the Story!
 
Blue Chips can also be Yield stocks at the right time!
 
Kep Corp : 468%
 
Sembcorp Ind : 338%
 
DBS : 112%
 
 
 
No free lunch in investing.
 
Passive income?
 
 


Sunday, 7 August 2016

CEO, Top Mgmt, Other Employees, and Creating Shareholders Value


During company crisis, other employees are deemed as cost cutting or cost saving tools; many of them will be cut by CEO or Top Management as they must continue to provide some level of shareholders value; otherwise CEO or Top Management will lose their job too.

Investors may lose their investment if crisis prolong; but other employees will surely lose their job much earlier.

See the difference between other employees and investors.



Pokemon Go


Uncle8888 also went around catching Pokémon!



CPF OA is just 2.5% BUT it doesn't mean that you as an retail can easily beat it. Stop believing all those stuff you read in the Cyber world on Compounding Effect



 
 
 
 
 
 
 
 
Uncle8888's foolish thinking and foolish method of growing through his year-on-year CPF contributions from his Human Asset and use CPFIS only when market crashes as the last resort after depleting available cash for investing.
 
 
 
 

Saturday, 6 August 2016

Leverage : Double Edged Sword!!!


Lost $250K and urgently needs to pay back another $250K
 
Good time doesn't last forever!
 



How To Make Passive Indexing Works For You???


Singapore Man of Leisure 6 August 2016 at 10:43:00 GMT+8
 
LOL!

Now you understand why I must fight "Passive Indexing" with all my might?

Soon you'll be doing it full time just like me.


The day when you or me switch to passive indexing, its the day we CAPITUALTE.

When that day comes, don't poke me. Give me a shoulder to cry on... It's never pretty when a man looks into the mirror and discover he does not have the mojo anymore...

I wonder why no one goes to Hong Lim Park to scream GIC and Temasek should switch to passive indexing? Can save a whole army of active money managers and their support buy-side analysts?

No?

 
Reply Delete
 
CW8888:

LOL!

Hmm ....

Those "Guru" bloggers who have commercial interests and NOT depending MAINLY on their investment/portfolio income for their household expenses advocating that retail investors are better off doing passive indexing. So are they Right?


   
They are probably right when you have fairly large investing capital and ONLY require 2 to 3% Mean Reversion ROC to fund your annual household expenses during your retirement.
 
Believe them. It is most likely to work in your favour!  
 
Passive Income of course!
 
 
You dare SMOL to come and fight.
 
 







 
 
 
 






 


O & G : Long And Harsh Winter For The Next Three Years!


Uncle8888's Top Three Holding i.e. Kep Corp, SembCorp Ind and DBS in his long-term investment and CORE dividends is directly exposed to O & G - It will be a long and harsh winter!

His CORE dividends will likely to be at its lower point since Jan 2000.

With NO more earned income from his Human Asset and highly exposed to O & G - A long and harsh Winter; there will be no more talking Cock and sing Song in the stock market.

This Long-Term Investing and Short-Term Trading retail investor will be put into true and real test by Mr. Market!

How much stress on his Net Worth's Balance Sheet to maintain sustainable retirement income for life will depend on his last 16 years of learning in the stock market and graduated with his Masters in Stock Market and now studying for his PhD. in Stock Market and full-time soon.

Read? How do you grade your investment skills?


No Bullshit! Real Person. Real Outcome. Sustainable Retirement Income For Life and Net Worth's Balance Sheet will depend on his reaction to Mr. Market over the next three years.

With plenty of free time on hand, no more @#$% excuse anymore!


The Cash Flow Crystal Ball grazing into 2019 ....









Friday, 5 August 2016

1.55% p.a. for 6-month POSB Fresh Funds Account Promotion (“Promotion”)


 
One year supply of morning Kopi-O Kosong in 2017 is fully covered by this interest.
 
Count Interests!
 
 
 
 
 
 
 

One Such Risky Email's Question


Read? An Alamak Email's Question


No alamak reaction from Uncle8888.

Uncle, your Vallianz not risky?

No Alamak!

Share what Uncle8888 has learnt from his very rich relative who owned two listed companies in SGX on what he said during his interview with ST on how he became so successful (rich?)


His definition of RISK

It is RISK when you CANNOT AFFORD to lose it. That is risky!

It is NOT risk when you CAN afford to lose. What you have lost is an OPPORTUNITY to make more money but now you end up LESSER.

Is ending with lesser wealth risky to those who have more than enough?

Why the rich becomes richer?

They have far more opportunities than risks!

How many can agree?



In Investing; your account size really matters - CW8888



Thursday, 4 August 2016

Sell And Buy Back Lower???


Another conventional market wisdom : Sell And Buy Lower!


Anyone who is old enough will know how to talk Male Chicken in their mother tongue or second language!

Many years of doing that but no talking Male Chicken and knowing it is not that easy!

Keppel Corp : 15 years

Semcopr Ind : 14 years

DBS : 13 years

and plus many rounds some more but still got stuck hor!


Read? Kep Corp

Read? Sembcorp Ind

Read? DBS















An Alamak Email's Question

Last email received:
 
uncle, what u think is good to buy now?
 
CW8888: Added Villianz!
 
 
Total number of different stocks traded or invested in SGX is 55 + 1 = 56
 

Wednesday, 3 August 2016

An option of a CPF LIFE plan with escalating payouts

 
 
 
 
 
 
 
 






CW8888's Tap 1 is something similar to DIY escalating payouts from his CPF OA




No Cut Losses & Multi-baggers For Long Time (2)



Read? No Cut Losses & Multi-baggers For Long Time

In RETAIL investing; where we ALONE and OURSELVES are fully responsible for our own money but there will be full of  CONVENTIONAL market wisdom folks offering their free advice thinking they are "smarter" in their portfolio and management without proving their strategy is so superior.

Conventional market wisdom : Cut loss to preserve capital to fight again!

Conventional market wisdom will generally work well for the mass.


What if we are not those who are on this path of conventional market wisdom?

Doom? Die?

Uncle8888 made Hay while Sun shines and avoid having to pull out any Winter weeds. He has plenty of Hays to survive long and harsh; why he needs to worry over those smaller Weeds that won't kill him?

H doesn't need to eat Water Melon into the Green as he can afford to waste some juicy Red without feeling much pain.

In investing; it is all about 3Ms- method, MIND, and MONEY MANAGEMENT.

Money management is NOT just about CUT LOSSES. It is more than those conventional thinking.














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