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.

Click to email CW8888 or Email ID :

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, 12 July 2015

What If I Don't Invest When I Retire and Also Not Willing To Work Part-time?

One office auntie in her late 50s told Uncle8888 that she and her husband have abstained from the stock market after AFC. They have lost too much and chopped fingers liao! Whatever remaining in their portfolio let them rot and don't bother them anymore.

Now, what will happen when Uncle8888 doesn't invest due to his conservative mind and thinking that the stock market is too volatile  and losing retirement fund is too risky and too scary.

BTW, Uncle8888 sent her the "Sustainable Retirement Income For Life" MS Excel worksheet for her to think about it and determine whether her saving is sustainable for life?

(1) Don't Invest

ABSOLUTELY this will happen to him ..

He will be on his way down to his ZERO as future decades of inflation will slowly slowly deplete his wealth. 

100% to ZERO!!! It is just matter of Time.

Real Person. Real Story!

(2) Take the emotional roller coaster ride over market cycles of Bull and Bear.

Remember this ...

Stock price volatility is NOT permanent losses YET. A portfolio of stocks is definitely volatile but NOT ZERO cash flow.

(3) Understand Wealth Formula and build your own sustainable cash flow.

Wealth = Asset Value + Cash Flow

Asset Value will be volatility and should not be your immediate concern. You should be focusing your concerns more on your Cash Flow and how to make it sustainable over future economic and market cycles.


Learn from Singapore for her water scarcity solutions.

In just five decades, Singapore has overcome water shortages despite its lack of natural water resources and pollution in its rivers.
Driven by a vision of what it takes to be sustainable in water, Singapore has been investing in research and technology. Today, the nation has built a robust, diversified and sustainable water supply from four different sources known as the Four National Taps (water from local catchment areas, imported water, reclaimed water known as NEWater and desalinated water).
By integrating the system and maximising the efficiency of each of the four taps, Singapore has ensured a stable, sustainable water supply capable of catering to the country’s continued growth.
- See more at:


  1. Are you REALLY ready for retirement?

    Have you simulate for sustainable retirement income for life?

    Okay. May be just do it fun!

  2. Hi Uncle CW,

    So what did you advise your office auntie friend? They should be too fearful of stocks now to invest or ride the roller coaster.

    1. Sent her the "Sustainable Retirement Income For Life" MS Excel worksheet for her to think about it and determine whether her saving is sustainable for life?

      Let wait and see whether she comes back. :-)


Related Posts with Thumbnails