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

Sunday, 23 September 2018

Warriors, Monks And Farmers In Large Corporation

Read? The Monk, The Warrior And The Farmers

There will be few warriors surviving long enough to tell their motivational stories how to become a warrior. I can. You can! Uncle, chun bo?

There are more monks than warriors hiding quietly at every corners of the large corporation smiling, cruising and waiting for time up to FIRE or officially retired with more savings.

The rest of them in large corporation are just farmers and many of them are hoping for re-employment at 62 and work till 67.

You are not warrior? Don't bang your head against the wall as warriors by nature is fewer in number. But, you can still choose to become monk as there is no limit in number by nature. 

How about staying on as farmer?

Most farmers will retire unappreciated and you don't mind that. Can lah!

Your life! You decide!


Same same as warrior, monk and farmer.

Read? Horse, Cow, and Pig (Re-posted)

Teochew Braised Duck or Lor Ark (潮州卤鸭)


Any other place cheaper than $16?

Two Years After Retiring From Full Time Monthly Salary As Employee

No monthly salary doesn't mean less spending!

Less spending on children doesn't mean more saving!


Saturday, 22 September 2018

Excuse me, uncle, are you for rent?

Of course, Uncle8888 is for rent!

Just hourly. Doesn't matter the number of  headcount.

Dirt cheap on average headcount!


Thursday, 20 September 2018

How To Charge More? Cai moi is not same as cai fun???

Eating porridge at unfamiliar cai fun stalls can kena chop!

For cai moi; they can generate more revenue by using different mode of serving!





CPF SA Door Is Always Wide Open For Me. I Went In Once But Then Close It After That One And Only Entry!

When looking for food at NEW place; and especially when he is less likely to visit that place again in the near future; Uncle8888 will prefer to join the food queue. The food queue is rarely wrong! 

Eat liao and happily moves on! 

But when it comes to personal investing and saving; strange thing happens. He is happy with 2.5% compound interests; but at 4% compound interests; he is not so happy! 


Again he is odd investment blogger in Singapore singing out of tune on retirement song!

Read? The Odd Investment Blogger In Singapore???

Read? One Uncommon Way To Top Up CPF OA Through CPFIS

Read? 1M65 CPF OA Possible Or Not???

Wednesday, 19 September 2018

Last Bull-Bear vs Next Bull-Bear

Lesson learnt in last bull-bear; but still unable to apply this lesson to verify the revised investing strategies. Wait how long more?

10 years is a long time!

Tuesday, 18 September 2018

Unlocking SRS At 62 And Avoiding Being Taxed (2)

Read? Unlocking SRS At 62 And Avoiding Being Taxed

To transfer money from Saving to SRS is so easy by click of button using internet banking; but to transfer money from SRS to Saving after 62 has to fill up form and wait for official approval and backend processing. Let see how long it will take to transfer back from SRS to Saving account.

Monday, 17 September 2018

More Sinful Than Drinking Starbucks???

Take overseas vacations!

Get married and have children!


Return On Human Asset vs Return On Financial Assets??? (Refresh)

Saturday, 28 March 2015

Read? Return On Human Asset vs Return On Financial Assets???

Uncle8888 doesn't have any vested commercial interests relating to the subject/topic in investing or trading so he doesn't have to agree or sing the same praise in the investment blogosphere.

Sunday, 16 September 2018

Singapore's "Sukura"???

Saturday, 15 September 2018

The Odd Investment Blogger In Singapore???

Hi Createwealth 

Can I refer to you as uncle CW like other readers?

I occassionally read your posts but came across a few earlier ones on reits.

I get the impression that you don't seem to like reits very much, or maybe its that you prefer stocks (that pay dividends) much more than reits.


We are biased to our own personal investing experience on risks, rewards, and investment outcome and performance over past market cycles. It will help to shape our future investing strategies to optimize our investment performance according to our account size and our personality in the market i.e 3 Ms - Method, Mind and Money Management.

Of course, Uncle8888 has S-REITs before; but S-REITs business model didn't seen to be a good fit in his portfolio management even though he is already in retirement phase depending on portfolio income stream.

Cash flow from our portfolio can come from combination of dividends, interests, and divestment. It will be excellent if we can defer any capital reduction to the longest.

Thursday, 13 September 2018

HDB 4 Room Rental Soften???

Uncle8888 recently bumped into his long time no see neighbor who is living a few floors below him. 

After some chatting; he came to know that his neighbour has been living at her mother's place and rented out the entire 4 room flat.

That day; she came back to her unit to settle down her new tenant. 

Uncle8888 asked her about the rental rate. She said that the current rental is $2,000. The previous rental was $2,800. 

Down by 29%!

Food Tasting

Read? Penghu, Cimei and Wang An (5)



Eat more Oysters  before leaving Penghu!

We went to eat desert before leaving Penghu. The Owner was so happy that we came back to eat. 

She gave us another complimentary scoop of ice cream!

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