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

Friday, 31 March 2017

Q1 2017 Investment Performance Report


Read? Full Year 2016 Investment Performance Report

A Goal-based Approach Investing Strategy

Uncle8888 has adopted a Goal-based Approach investing strategy by setting for himself a 10-year progressive Goal Targets to be achieved for each year from 2012 to 2021. 

Our investing journey is not Horse Race or Rat Race where we compete against others.  No! It is our investment Marathon Race where we set our own pace and compete against ourselves to win our own race.

Year 6: Q1 2017 Result for Tap No 3 (Cash Flow from Investment Portfolio)

 Achieved 43.3% against 54% of 2021 Goal Targets.


Without Mr. Bear; Cash is not King!




Investment Portfolio XIRR
  
Track, Measure and Visualize! 

Without doing it; how to revise investing strategies and to improve year-on-year investing performance? 

Investment Portfolio's XIRR includes all investable cash plus the current stocks value at market closing price as on 31 Mar 2017.

Since one year ago: 8.3%
Since 1 Nov 2008: +1.8%
Since 1 Jan 2003: +7.5%


Since 1 Jan 2000: +7.0%





The reality of riding market cycles of Bull and Bear


Until we master the Art Of Market Timing to optimize our gains; we will be riding up and down the market cycles without real significant gains.





Building Sustainable Retirement Income For Life Across Future Market Cycles





Real Taps. Real Money!

Tips for newbies/young ones: The bulk of our net worth comes through our saving from our hard earned incomes from our jobs and our investment portfolio will be the Accelerator to become wealthy or reach financial independence earlier when we get it right.


Stop day dreaming from Get Rich Fast scam or 30 minutes a day effort to get rich!





6 comments:

  1. On the contrary, cash is king in a bull market.

    Equity is king in a bear market

    ReplyDelete
  2. Hi CW
    May I ask:
    1) your tap 2 includes interest from RA. I thought that is untouchable as it's meant for building up cpf life payout?
    2) why did u separate interest from OA & SA under 2 different taps?

    Thanks

    ReplyDelete
    Replies
    1. As we grow older; we are likely to spend more and more on medical and healthcare and lesser on e.g. leisure and grooming needs.

      We know that we can tap on RA/CPF Life from 65 onwards; but from the time when I retired @ 60 there is 5 years gap before touching RA/CPF Life @ 65 as source of additional self-insured medical and healthcare on top of MA and Medishield life.

      To close up this 5 years gap between 60 to 65; I have dedicated SA to close up this gap i.e. whatever yearly interests from SA will be reserved for medical & health care expenses. If not spend; the saving will be accumulated and by 65 RA there will be more funding for this purpose.

      No matters how hard we can work on our physical body; what is internal to us i.e. our organ and tissues we cannot really do much about them as we can't see and touch them. That is life of aging. Bo pian!


      Like my investing strategy; I maintain 4 separate accounts for expenses, saving (emergency), investment and FDs (war chests).

      When I retire; I don't have anymore company provided medical benefits so I build one for myself and my spouse.

      In short

      OA - for household expenses

      MA, SA, RA, Medishield and $50K+ (FD yearly rollover) for medical and healthcare fund

      Delete
  3. Hi CW
    Thanks for your detailed explanation. From your experience, after age 55, can we continue to use OA funds for stocks? And does $ go back to OA when we sell those stocks?

    ReplyDelete
    Replies
    1. After 55 we can maintain CPFIS. Dividends go back to OA for compound 2.5% interests. It is good to maintain CPFIS until one is fully retire from full-time job and then explore the merit of maintaining CPFIS as it will be more tricky in term of cash flow for living expenses. Another scope for deep thought.

      Delete
    2. Not easy to understand CPF withdrawal scheme as retirees.

      Delete

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