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.

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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.

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Value Investing
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Saturday, 16 March 2013

Retirement Income for Life??? (10)

Read? Retirement Income for Life??? (9)

Read? Mara River : Reaching the Edge of Financial Independence!!!

From Wikipedia, the free encyclopedia
Financial independence is a term generally used to describe the state of having sufficient personal wealth to live indefinitely without having to work actively for basic necessities. In the case of many individuals whose financial circumstances fit this description, their assets generate income that is greater than their expenses. To illustrate, a person's quarterly expenses may total $4000. They receive dividends from stocks they've previously purchased totaling $5,000 quarterly, while also having an even more substantial amount of money in other assets. Under such circumstances, a person is financially independent.

Uncle888 has reached the Edge of Financial Independence

But, the effect of inflation and market volatility may cause him to lose back his financial independence.

So Uncle8888 has to think of more sustainable retirement income for life model to live through market volatility and to reduce uncertainty and worries.

Still some works in progress ...


  1. Congrat to your achievement of Financial Freedom.

    IMO, the 3% inflation rate is too high. When we retire, we should have no obligation on housing & children education. Moreover, if one retire and does not own a car, the inflation impact is minimal as we mainly consume on food and medical expenses.

    Of course it is better kiasu a bit but not amounting to too worry about it.

  2. Hi,
    Really? Actually when you reach 65 like me, you know anything can happen to you tomorrow. So you begin to take things a bit easier though you continue your life-long investment journey. Relax a bit more brother, don't worry too much. Enjoy yourself while you can.


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