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.

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

Wednesday, 26 September 2018

Debate (Quarrel) Over BTIR

The best knowledge is always from our own personal experience after we went through it personally and digest them!

1) ILP

2) Endowment

3) Term

4) DIY Investing

Uncle8888 went through all the above!

Read Articles relating to insurance

Honestly; we are sold based on our needs and our level of investing experience and knowledge at THAT TIME by agents whom we know them quite well and likely to trust them too.

No need to bang your head if you have bought! That time was the right decision! But; now on hindsight that was wrong decision!


  1. Uncle 88888

    it's easier to blame others than ownself.

    BTIR and the rest points you stated may not be for everyone and anyone.

    who knows ourself other than ownself?

  2. i remember i used my my wife and my CPFIS OA accounts to buy UOB' s endowment of 5 and ten year terms.

    At that time it was definitely better than leaving it with CPF.

    Where got QE & near zero FD rates then?

  3. Even earlier maybe, NTUC endowment product for 5 years return 5 to 6 % p/a IIRC.

    Who wanted to put too much money in the stock market then?


Related Posts with Thumbnails