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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"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, 7 August 2016

CPF OA is just 2.5% BUT it doesn't mean that you as an retail can easily beat it. Stop believing all those stuff you read in the Cyber world on Compounding Effect



 
 
 
 
 
 
 
 
Uncle8888's foolish thinking and foolish method of growing through his year-on-year CPF contributions from his Human Asset and use CPFIS only when market crashes as the last resort after depleting available cash for investing.
 
 
 
 

8 comments:

  1. CW,

    It's humbling, yet I can't deny it does feel good to know that you and I belong to the 16% ;)


    Its never about gloating or ego.

    These little affirmations are mere markers telling me I can, and should, continue on my path of craftsmanship.


    It's performance based; using actual track records.

    Not hope based; and using excel file extrapolations.


    2.5% is not a high hurdle rate by any means. If we can't beat it, there's no business in us doing it full time. And more critically, actively in DIY investing/trading.


    Most people are quick to admit - I can't dance, can't sing, or can't give speeches in front of people.

    But when it comes to investing/trading, no worries! I can do it!

    ???

    ReplyDelete
  2. CW,

    Fantastic 14.4% CAGR of CPFOA.

    Can you explain a bit more on that. Does it include all the contribution or just investment alone.

    ReplyDelete
    Replies
    1. foolish thinking and foolish method of growing through his year-on-year CPF contributions from his Human Asset and use CPFIS only when market crashes as the last resort after depleting available cash for investing.


      Delete
    2. use CPFIS only when market crashes as the last resort after depleting available cash for investing.

      The above method is more likely that we will be buying NEARER to market BOTTOM than NEARER to TOP.

      Delete
  3. LOL... foolish thinking got foolish luck!

    Cheer!

    ReplyDelete
  4. Just lapped cpf oa again this past week.
    Not hao lian. Just encouragement for people to learn. Put in some work.

    ReplyDelete
  5. Now for believers and non-believers they should know why they should thank GOD or Lady Luck, if you were among the 16% of CPFIS investor.

    And i believe it is the about same result for CPFIS investors, every year.

    Anyone has done a data collection of CPFIS investors ROI from 1988 till 2015?

    And what's the CAGR for the 16 %?

    i think the best person for this is CW8888.

    Anyone dare to say NO?

    Ha! Ha!

    ReplyDelete

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