As from April 2013 my Journey in Investing is to create Retirement Income for Life till 85 years old in 2041 for two persons over market cycles of Bull and Bear.

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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.

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Monday, 19 November 2018

What If We Have Slowly Lost Our Risk Appetite After Losing Recurring Income From Full-time Job

Read both blog posts and comments. Digest and understand.  Start thinking!

Rate of investment return, withdrawal rate, and sequence risk affecting future net worth. 

Read? Investing Meant Taking Risks

Read? Sources of income to pay for expenses

I belong to the second category and I have to rely on investments to help me. Ideally, investments should generate sufficient income to pay for your expenses and other spending. This is easier said than done. A lot of time, we have to use our capital to pay for our expenditures (especially during poor investment climate). This reduces our net worth over time.

The next question is where to park our money to achieve investment returns that are sufficient and safe for our investment capital. Well, this is the million-dollar question. One can write a book on investments and there are many books in the market. There are courses on investments that one can take too.

I have reached an age that I cannot afford to take major risk on investments. I have turned conservative and investment returns are moderate commensurate with less risk-taking. As for now, my investment return was about 2.0% in the year that is turning out to be a difficult year. This rate of return is hardly sufficient to cover total expenditures to-date.


  1. Good to read on real retirees on the ground.

  2. That's why many are saying that in the next big bearbear, most FIRE people in the US will end up going back to work or doing gig jobs (tough in a big recession). LOL!

    Even in SG context, most FIRE advocates won't voluntarily give up their jobs ... not if they can help it. Or unless they have hit $3M in their portfolios. :P

    People underestimate the financial capital and the mental capital needed to sustain without active income coming in month after month (without becoming neurotic) ;)

    That's why instinctively people recognize the need for pensions & annuities for the average Joe. And in recent years, the admission by many govts that people need to work for longer and people need to prepare for later age to start receiving pensions & maybe smaller pensions too.

    SG govt has adopted the above with CPF Life and also upping the re-employment act.

    Recently MND minister tried to get into the financial planning space by promoting downgrading, lease buyback, and renting. LOL!!

    1. Government has realized the importance of financial education and hopefully leads to better retirement planning for future generations

  3. Hi Uncle CW8888- great blog! I have been your reader for some time. Don't you have your CPF as part of the 3 taps strategy? Based on OA of $500K- you can withdraw ~$13K per year from the 2.5% earned interest alone- that is also one retirement income source- no?


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