As from April 2013 my Journey in Investing is to create Retirement Income for Life till 85 years old in 2041 for two persons over market cycles of Bull and Bear.

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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

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Sunday, 12 May 2013

Office Auntie fell in love with bankers!

Just For Thinking ...

Real People, Real Retail Investor!

She is just an ordinary office auntie who knows very little about stocks.
She doesn't bother to learn about stock investing; but, she has good faith that Singapore banks are safe.
This is what she did for her saving in 2008 when she decided to fall in love with Singapore bankers.
After 4 years+ of love affair with Singapore bankers.
Her CAGR for Total Shareholder Return (accumulated dividends + unrealised P/L) is as follows:
As of last Friday SGX market closing stock price:
    DBS: 7.7%
OCBC: 6.5%
   UOB: 1.6%
What do you think?



  1. She could have done better if she invests via STI ETF. Blur blur also earn money.

  2. Sure or not aunties SOTONG or we SOTONG?
    Their common sense may be better than us. Unlike USA, tell me so far which banks in Singapore history has a bank run? Or bankrupted? But never say never especially after globalisation of economy.

    Me!? i kiasi lol (too much common sense) i had bought only 1.5 lot. And the 0.5 was forced to subscribe rights issue during 2008/2009 fiasco. i wish i have aunties's common sense. Alamak! Should follow aunties buy 10 lots or more, lol!

  3. There was this robbery in Guangzhou , the robber shouted to everyone: "All don't move, money belongs to the state, life belongs to you".

    Everyone in the bank laid down quietly.

    This is called "Mind Changing Concept --> Changing the conventional way of thinking".
    One lady lay on the table provocatively, the robber shouted at her "Please be civilised! This is a robbery and not a rape!"

    This is called "Being Professional --> Focus only on what you are trained to do!"
    When the robbers got back, the younger robber (MBA trained) told the older robber (who is only primary school educated), "Big bro, let's count how much we got", the older robber rebutted and said, "You very stupid, so much money, how to count, tonight TV will tell us how much we robbed from the bank!"

    This is called "Experience --> nowadays experience is more important than paper qualifications!"

    After the robbers left, the bank manager told the bank supervisor to call the police quickly. The supervisor says "Wait, wait wait, let's put the 5 million RMB we embezzled into the amount the robbers robbed".

    This is called "Swim with the tide --> converting an unfavorable situation to your advantage!"

    The supervisor says "It will be good if there is a robbery every month".

    This is called "Killing Boredom --> Happiness is most important."

    The next day, TV news reported that 100 million RMB was taken from the bank. The robbers counted and counted and counted, but they could only count 20 million RMB. The robbers were very angry and complained "We risked our lives and only took 20 million RMB, the bank manager took 80 million RMB with a snap of his fingers. It looks like it is better to be educated to be a thief!"

    This is called "Knowledge is worth as much as gold !"

    The bank manager was smiling and happy because his loss in the CINOPEC shares are now covered by this robbery.

    This is called "Seizing the opportunity --> daring to take risks!"

  4. Very nice story to share. But my personal opinion is aunties may not be educated but everyone has something in common. And that's Common Sense lol! Don't look down on aunties. Basically the more you know about the risks of the market, the more 4K you will be. i am now lol.


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