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

Monday, 5 December 2016

Buy & Hold Retail Investors


Generally falls into two kind of Buy & Hold Retail Investors ...

First of its kind is by their outcome and second kind is under circumstance



DBS : Tough Resistance ahead!


Sunday, 4 December 2016

Buy And Hold Is Not Dead Over Market Cycles


Read? Jog The Singapore's Park Connectors - Round 6

When Uncle8888 reached Pasir Ris beach at Round 6 PCN Jog; he saw that the kelongs (fish farms) are still there despite those past few incidences of red tide that wiped off their fish stocks. They managed to restart their fish farm all over again! They didn't gave up!








How different from Buy and Hold over market cycles?

Buy & hold is not dead like these fish farms. Don't give up!

The next season; they will be producing fish load that worth their effort again!





How Many Retail Investors Made 10 to 15% Compound Investment Return Over 15 to 20 Years?


Lots and lots of investment blog posts were written to teach us on how to invest like professionals e.g. Peter Lych, Warren Buffet; Walter Schloss and getting 10 to 15% compound investment return to become the next millionaire with our investment portfolio.

They showed us many theories and concepts on how to achieve.

How many of them have done it practically through their investment gains?


See XIRR Table to achieve $1M purely on investment gains!






Did anyone see how such investment portfolio is constructed by these investment bloggers on how to build wealth to become millionaire?

Number doesn't lie. See for yourself on how to become millionaire faster as retail investor!

Not based on our hard earned income meh?

Our investment portfolio is just an Accelerator to become the next millionaire in our neighborhood!

Read? Your Investment Portfolio is your Accelerator on the Road to Financial Independence! (4)




Friday, 2 December 2016

Jog The Singapore's Park Connectors - Round 8


Read? Jog The Singapore's Park Connectors - Round 7


Loyang Connector --> Tampines Connector --> Simei Connector --->  Bedok Connector --> East Coast Park --> Endpoint of Siglap Connector.


1. Completed Central Urban Loop
2. Completed Eastern Coastal Loop

It is a small world. When Uncle8888 was jogging Simei PCN; he bumped into his ex-collegue who was walking towards him. He hasn't met this colleagues for more than 20 years. He has retired three years ago. He now keeps himself active by walking long distance. He said he can't jog anymore but can walk.







Uncle8888 likes to eat balanced diet to enable detoxication cycle to work as well.


















Cut Losses And Account Blow Up Where Successful Retail Investors Don't See Eye To Eye To Successful Retail Traders.


Read? Positioning Size and Risk Comfort Level Where Successful Retail Investors Don't See Eye To Eye To Successful Retail Traders


Often quoted by retail traders : Painful margin calls and account blow up.

No successful retail traders for cash flow/living are not in leveraged instruments. Leverage is a double-edged sword; you can potentially lose more than expected and blow up your account. Your brokers are not your friends.

Anyone heard of retail investors blow up their investment portfolio and their account get suspended by brokers. Got meh?


See the difference between trading and investing. Get it?

As retail investors without leverage, we will lose what we are prepared to lose. 

Simi account blow up or margin calls?  What animal arh?


Thursday, 1 December 2016

Cut Losses and then Short it???


Do you cut loss and then short it?

No. You didn't but hope buy it back lower.

Huh?

Cut loss and then suddenly one became somehow wiser! Hmm ...


DBS





Housing choice linked to retirement choice.

Read? The Tale Of Three Old Men In The Same Office Space (True Story)


Now; it is not based on Uncle8888's observation but MAS study.

So it is matter of asset rich or liquidity rich when going into our retirement phase.


Two Months After Not Doing Anything To Increase GDP As Jobless Man!



Uncle8888 is not restless yet. 

1. He didn't turn on TV and watch any K-drama! Not a single minute!

2. Surprisingly; he spent much lesser time on his laptop; unlike those days of eating snake in the office pretending to work hard.

3. The power of unlimited and care-free travelling on buses and MRT with his $60 senior citizen concession month pass and travelling without an umbrella. So far; he hasn't get wet when raining.

4. When the weather is looking good; Uncle8888 will spend from 3 to 6 hours roaming the street of Singapore. 

Jog here. Jog There. 

Walk here. Walk there.

See Here. See There. 

See what to eat and buy any other kind of buns or breads for breakfast when it looks good and not try before.


After jogging all park connectors; how about jogging around all reservoirs? Ya. All these and all that. It will take months or years to complete these targets. It is not going to be restless any sooner!

Read? Retirement is 休閒 or 修閒 . It is much different so plan way ahead of your time.

休閒 can become restless after sometime



閒 may last much longer before becoming restless as there may be another goal to achieve.





Children Are High Expenses But A Good Relief When We Are Retired!


Nov 2016 has ended.

Dec 2016 monthly expenses should be lower without any overseas travelling.

You get what Uncle8888 trying to say?




Wednesday, 30 November 2016

Jog The Singapore's Park Connectors - Round 7

Read? Jog The Singapore's Park Connectors - Round 6


Pasir Ris Connector --> Loyang Connector --> Changi Beach Park --> Coastal Park Connector which ends at East Coast Park














Not Too Little. Not Too Much. Not Too Late!!!



Why long-term investing is never easy for many retail investors?

This is all about balancing act!

Not too little : Not helping much when we finally got a multi-bagger stock but it is only a few lots

Not too much:  When market crashes, we can still sleep without nightmares.

Not too late: Late to enter or too late to exit!


We Can't Control. Why set Goal or Target??? (3)


Read? We Can't Control. Why set Goal or Target??? (2)

Move into Maintenance mode for fitness to remain slim and fit and move into Sustainable Income for Life over future market cycles with at least Three Taps solution model.

At yesterday kopi session; just one out of five of us; he hasn't gone into maintenance mode for his fitness. At his last annual medical health check; his cholesterol is getting higher; but no need for medication yet. He is now at his 50.

Uncle8888 told him if he still giving excuses then he may have to go into medication mode to control his cholesterol level. He is already quite careful of his own diet but still not enough as his test result has shown up.

For fitness and slimness; once we get into Maintenance mode; it is quite easy to calibrate back whenever we detect or notice some misalignment around our belly - that Little Italy! We can flatten it fast with just some incremental effort!

Same as retirees; we need to move into sustainable retirement income for life mode so that we will have less nightmares over future market cycles. Market crashes also we can still sleep well!





Tuesday, 29 November 2016

Kopi O Kosong


Met four ex-colleagues for kopi talk at The Capitol Building's B1 My Republic. The coffee is nice and also has free wifi and next to City Hall MRT station. :-)



We Can't Control. Why set Goal or Target??? (2)


Read?  We Can't Control. Why set Goal or Target???

To get rid of our body fat; we have to set goals and targets. 

No goals! No target!

You are going to be Italy for long long time!

Set Goal and Target and then we can control our Fat!


Monday, 28 November 2016

Jog The Singapore's Park Connectors - Round 6


Read? Jog The Singapore's Park Connectors - Round 5


Siglap Park Connector --> Bedok Reservoir Park Connector--> Tampines Connector which ends at Pasir Ris Park beach.













Walk Here. Walk There. Join The Queue : Chendol


Read? Walk Here. Walk There. Join The Queue : Thai Food







Uncle8888 : Chendol!

Sales : Durian or Mango?

Uncle8888: ..... (silent)


Sales : Durian or manago?

Uncle8888 : What?

Sales : You want durian or mango?

Uncle8888 : Huh? (Walau .. thinking that durian season is over. can't be durian). Mango!

Sales: Uncle, 50 cents more. Okay?

Uncle8888: OK!


Oh. The lesson of up selling!

$1.50 --> $2



Do you want to invest to be rich or become poorer due to inflation?

You have to make a choice!

No choice is not offer as an option!





Sunday, 27 November 2016

Our Beloved Stocks As Lifelong Friends or Companions???


In good times; we felt richer; but we didn't ditch you.

In bad times; we felt poorer; but we didn't avoid you.

Over the years; you have accompanied us, provide us with adequate cash flow and made us feel comfortable. 

We are not those headless chickens running about. 

No. We are not!

We hold our head high up for our beloved stocks as lifelong friends or companions. Right? 

We love our relationship!


Retirement is 休閒 or 修閒 . It is much different so plan way ahead of your time.


休閒






Saturday, 26 November 2016

Retired As Pokemon Trainer Too! (2)


Read? Retired As Pokemon Trainer Too!

BeeT26 November 2016 at 05:08:00 GMT+8

Uncle8888,

Ditto has appeared in the Sg Pokemap but it will only be there today! Go chase it!

ReplyDelete
Replies

CreateWealth888826 November 2016 at 09:20:00 GMT+8

Thanks. Alamak. Chase one 13m near florid but reached expied

Delete


While surfing the Net at home and didn't check the Radar for a while; when Uncle8888 spotted Ditto on radar; it left 16 mins at Hougang Ave 3, Blk 25. Uncle8888 dashed out from his house and ran on slippers all the way to Hougang Ave 3, Blk 25. Around 13m+!


Hee hee. Ditto called him out of retirement and now back to retirement again!




Cash Flow For A Living : Traders vs. Investors View


They will not see eye to eye as trading is an active role to make a living and in fact; it is just another part-time job in disguise while investing can be periodic active and more often inactive with nothing much to react.

To be able to survive as retail investors from cash flow for a living; this is what Uncle8888 has observed from the Cyber world on those who have made it. Their account size!

In investing, our account size really matters! - CW8888


How to increase our account size to that level of adequacy to deliver meaningful cash flow to fund living expenses?

Our job? No?




Friday, 25 November 2016

To save more : Cut Expenses or Increase Earning? To slim more : Cut diet or Increase Exercises?



There is a limit on how much expenses can we cut without impacting our healthy intakes.

Same as dieting.

There is a limit on how far we can put ourselves on diet without living out our life. Why do we want to make more money? To eat better. To enjoy better. If no, no then why we work so hard for money. We can't bring our money to our coffin. Why we still need so much money?

Uncle8888 is more towards earn more and exercise more camp rather than cutting more expenses and more dieting.





So You Think It Is Easy To Buy Back??? (2)


Read? So You Think It Is Easy To Buy Back???

Wednesday, 23 September 2015

DBS : Bought @ $16.98 for Round 20


Thursday, 7 January 2016


DBS: Bought Back @ $16.01 for Round 21


Finally; there is a dim light seen at the tunnel.





Jog The Singapore's Park Connectors - Round 5


Read? Jog The Singapore's Park Connectors - Round 4


Tanjong Rhu --> Geylang --> Sims Avenue --> Siglap PCN which ends up at East Coast Park beach







Related Posts with Thumbnails