Interests are cash flow for you to spend without future worry; but for dividends you have to very calculative and careful when spending them as some dividends are meant to be refund back to the companies some time in the future. Do you seriously and really know the difference when you are retirees on tight cash flow to support your household expenses? How often have you last read or heard about it in Singapore investment blogosphere? Know your dividends well and play it safe!
I am 61 yrs old uncle living in HDB heartland who has achieved financial independence @ 56 and retired @ 60 from full-time job as employee.
Single household income since 1995 with three children. Eldest son and daughter are now working and youngest son still in his 2nd year uni in SUTD.
I have been doing long-term investing and short-term trading in Singapore stock market only since Jan 2000 so I am that Panda or Koala in the investment world; but I am still surviving well in the wild.
I am now executing my Three Taps solution model to maintain sustainable retirement income for life till 2038.
Last updated: 3 Sep 2017
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