How to count? Assuming Uncle8888 has stayed fully invested for 5% dividend yield since he is only interested in STI blue chips from 2012 to 2028 (10 years from now). How much realized gains must he made before 2028 over future market cycles to break even with accumulated dividends from 2012 to 2028? It is about 74% realized investment gains over current War Chest. He will have to achieve at least 74% to 180% ROC over current war chest by 2028! Not really that bad on holding larger war chest to time the market. Current War Chest is 56% more than the initial capital at the inception of investment portfolio when he seriously began his investing journey on Jan 2000 to get out of rat race and achieving financial independence at age of 55 on Sep 2011.
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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