I started serious Investing Journey in Jan 2000 to create wealth through long-term investing and short-term trading; but as from April 2013 my Journey in Investing has changed to create Retirement Income for Life till 85 years old in 2041 for two persons over market cycles of Bull and Bear.

Since 2017 after retiring from full-time job as employee; I am moving towards Investing Nirvana - Freehold Investment Income for Life investing strategy where 100% of investment income from portfolio investment is cashed out to support household expenses i.e. not a single cent of re-investing!

It is 57% (2017 to Aug 2022) to the Land of Investing Nirvana - Freehold Income for Life!


Click to email CW8888 or Email ID : jacobng1@gmail.com



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

Showing posts with label Just for Thinking - Investing Goals. Show all posts
Showing posts with label Just for Thinking - Investing Goals. Show all posts

Friday, 10 February 2023

T-bills and CPF Time Deposit

 Read? T-bills and CPF Time Deposit

Win-win for CPF members, CPF and MAS/OCBC?






Sunday, 15 January 2023

Mr. Influencers. I Can. You Can???

In investing; your account size really matters! - CW8888

Watch out for your colleagues who are investors as they can be our Influencers as our account size may not be significantly different like Monkey vs Gorilla. 

Our account size difference probably is ranging from Baby monkey to Full-grown monkey; and in the worst case probably Monkey vs Chimpanzee

I can. You can? One day we can reach the stage of Full-grown monkey. LOL!

Read? The truths behind the ideas of making money in the stock market.

Read? Unexpected Token Of Appreciation From Follower (Ex-colleague)!

Read? Losing Money Is Bad For The Heart

Wednesday, 4 January 2023

STI Is Boring But Good For Dividend Income Investors Who Love Yield Or Retirees?

Even without a single cent of re-investing into the market from 2017 to 2022 Read? Panda's Investment Portfolio Hits A New All Time High Record With 3-Bagger Portfolio In An Uninspiring And Boring SG Stock Market! (20)

Crypto lagi more interesting!  Telsa seems to fall like those days of S-chips?

Uncle8888 also learnt his lesson on FOMO on Tech stocks when his broker has lobang for  Burnt By S-Chips In GFC 2008/2009! This Time Burnt By HK Tech! What Is The Difference?

Let see how this boring STI performs in 2023

Another year of setting new ATH? :-)














Friday, 30 December 2022

Burnt By S-Chips In GFC 2008/2009! This Time Burnt By HK Tech! What Is The Difference?

Read? Singapore Stock Market Is Crap! Can Panda/Koala Investors Still Survive On Scraps???

Prof Mak notes that 10 years ago, Singapore was home to more than 150 "S-chip" companies, or Chinese companies listed on SGX. This number is down to just 71 today, and could drop even further, he warns.

"Just over the first six months of this year, another six S-chips have disappeared. I am not saying they are all going to collapse, but I think we will continue to see more doing so," he says.

What was once an "S-chip problem" has spread to the rest of the market over the past few years. Big companies like Hyflux and Noble, Singapore-based companies like Best World and Trek 2000, and Eagle Hospitality Trust are some of the names that have collapsed, wiping out investors' money along with them.


Late comers or FOMO are more likely to be punished by Mr Market???

First time stepping out of local market into HK Tech and kena whacked big time and never again! KNS!

The worst performing stock in Uncle8888's portfolio down -49% without a single cent of Panadol to ease heartache! Pain at the Max!

























Saturday, 12 November 2022

Chopped Off Fingers Liao!

Read? FTX: The Straw That Broke The Camel’s Back

Quote : "I am probably down a year’s income for crypto and half that for HK stocks. These are my biggest paper losses to date and I can finally appreciate why older folks talk about “chopping off fingers” and never touching the stock markets again."

We need to go through ourselves through those moments of chopped finger and never again!

Read? Do You Know Any Mederka Generation Relatives Who Don't Talk About Market Any More???

Do we often ask themselves on  Where does the money come from??? (4) on our winning positions and especially huge gains?






Sunday, 6 November 2022

Following someone investing idea? (2) - Refresh!

Read? Following someone investing idea? (2)

"When you see your favourite blogger bought something e.g. a few bunches of banana and that doesn't mean it is a good time for you to buy a few banana too.

Your favourite blogger may be a 800 pounds Gorilla sitting on high level of cash and gobbling up a few bunches of banana here and there is not going to cause any problem.

But, to a small Monkey on low cash level is different. Just eating up one bunch of banana may cause indigestion if got it wrong. In the stock market, small Monkey can't behave like giant Gorilla."

Real happening in ex-famous cbox where most of the monkeys in that cbox were feeling down due to lack of bullets to hoot more in 2009. This Gorilla-cboxer kept buying and buying.  When the market and economy finally recovered; he showed us his 6 digits passive income! LOL!

Uncle8888 personally learnt this real life lesson about investing in the stock market on the ground! LOL!

Read? Does Your Account Size Matter? - Part 3 














Sunday, 7 August 2022

20 yrs ago Kep Corp in 2001 and Keppel Vision 2030 (2)


Read? Keppel Corp unveils 10-year roadmap with focus on four key segments

Read? 20 yrs ago Kep Corp in 2001 and Keppel Vision 2030.

Read? How and when to buy stocks is not the most difficult part? (2)

Published: 28 December 2011 Read? KEPPEL CORP: 737% return since 2001 despite lumpy dividend payouts

A personal update with reference to the above article after 11 years. 

What happened after 2011 if you happened to get excited on Kep Corp and put it in on your watchlist to buy on the next opportunity?

It is really about Market timing and then Time in the market! 

The Good, The Bad And The Ugly!























Sunday, 31 July 2022

Trust in power of Topping Up and time in the market

SundayTimes, 31 Aug 22, Me and My Money

Trust in the power of compounding, don't try to time the market

Hmm ..  another way of achieving this type of "growth" passively over our lifetime is ....

We can also trust in the power of topping up of dividends as Panda/Koala retail investors in Singapore or voluntary cash topping up as in 1M65! 

Always goes up over our lifetime!





Saturday, 23 July 2022

Earning Season H1 2022 To Lift STI Upward?

2022 H1 dividends harvesting begins next week starting with Kep Corp to lock in investment income for 2022.

SATS still jialiat with 2023 Q1 losses! No hope for recovery play in 2022 liao!



Saturday, 16 July 2022

The Best Defense Against Inflation As Investors Is Warren Buffet Rule (2)

Read? The Best Defense Against Inflation As Investors Is Warren Buffet Rule

How I interpret Warren Buffet Rule?

Who are those retail investors who can possibly make Warren Rule come true!

Retirees who cash out their investment gains i.e. dividends and trading profits from the market for their spending; and never ever give back to Mr Market. Zero compounding strategy as retirees!

After X or XX years, this strategy will fulfill Warren Buffet Rule! LOL! I can. You can! 

Rule No. 1: Never lose money. (Own hard earned saving as investing capital)

Rule No. 2: Never forget rule No. 1.  (Don't reinvest your gains. LOL!)












Saturday, 2 July 2022

One Nice Example Of Illusion Of Wealth In The Market

SINGAPORE (EDGEPROP) - Rumours are that liquidators are trying to seize the assets of Singapore-based crypto hedge fund Three Arrows Capital (3AC), which became the latest victim of the crash in cryptocurrency. Two partners at advisory and consulting firm Teneo have been appointed to handle 3AC’s liquidation.

3AC was put under liquidation by a court in the British Virgin Islands on Monday, June 27, after 3AC failed to repay creditors. On June 30, the Monetary Authority of Singapore (MAS) reprimanded the firm for providing false information and for breaching fund management industry licensing rules.

The firm was co-founded by former Credit Suisse traders Su Zhu and Kyle Davies at the kitchen table of their apartment in 2012, according to a Bloomberg story last year. The two of them are only in their mid-30s.

Zhu is co-founder, director, CEO and CIO of 3AC, while Davies is co-founder and chairman of the firm. Their crypto assets had reportedly been worth several billion dollars at one point.

CW8888: One of our tasks as investors is to recognize or acknowledge this illusion of wealth in market during bullish market and has strategy in place to keep part of this illusion of wealth in the market really safe from the next market crisis. 

So my sifu is right!

It is far better to regret not making more money than to feel sorry of losing your hard earned money.

My sifu started trading and investing at age of 18 following the foot-steps of his father into the stock market. 

Choose Regret or Sorry?

It is in our own hands. It is our own making!

Read? Lesson NOT Learnt in 2007 STI Bull and Lesson Learnt in GFC Bear And Then Applied Along The Way To COVID-19 Mini Bear and Continue ...










Sunday, 26 June 2022

Timing Is Everything. Yes?

 Read? Timing Is Everything. No?

Really true even in investment training space. Timing is everything and when timing turned sour or bad then trouble begins!

Those days when Uncle8888 started serious attentions into into Market - Option trading for passive income was so hot! Big option trading booths especially Freely School Of Options Trading at investment seminars giving out door gifts at the main entrance. Shiok! 

Read? Smart Money Grabbers over dummy investors (9) - Mai siao siao. Course conducted by Dr.

Read? MAS: Don't trade in binary options on unregulated platforms

Read? Smart Money Grabbers over dummy investors - III

Actually; Uncle8888 likes to attend these free previews if they provide free makan. Why not when he has plenty of free time and no additional transport cost to these venues as he is on monthly pass.

Read? No selling free investment webinar

Timing is everything even in investment training space. 

Right timing to sell hot courses. 

From option trading to value/growth investing, passive income/from S-REITs, not enough capital to build retirement income from S-REITs? Don't worry. Just leverage up!

Then S-Reits to Crypto and soon back to pivoting to growth investing?

Timing Is Everything. Yes or No?




















Monday, 20 June 2022

Help me! I am still losing money in my Investment Quadrant (6)

 Read? Help me! I am still losing money in my Investment Quadrant (5)

"We don't need to win back in the same manner that we have lost it " - Createwealth8888.

Hmm .. OK OK! Applicable only in ....

DIY individual stock pick and not in Fund/ETF/Unit Trusts!




Tuesday, 7 June 2022

DBS : ONE STEP CLOSER TO SGD 6.00 (3)

From Investing cyberspace ... 

命里無時,求之不來 ...$DBS(D05.SI)

床前明月光,疑是地上霜。

舉頭希望 37.00,低頭見 6.00

Uncle8888 never fail to smile whenever this Guru 低頭見 6.00 and recalled his ex-colleague's real wait for DBS $6 to happen in 2009. LOL!

Read? DBS : ONE STEP CLOSER TO SGD 6.00 (2)

1.5 to 2 times the force of GFC coming for DBS to go down to $6?

Read? The Secret Behind Buy And Hold And Then Laughing To The Bank Revealed! (2)

Buy back is not easy due to our last ACTION price anchoring bias! --> Read? On why sound investing principles will always work??? (2)




















Monday, 16 May 2022

Snake Oil Marketing? Lehman Brothers MINIBonds Vs Stablecoins. Same same?

What is Lehman minibonds?

Minibond is a brand name for a series of structured financial notes issued in Hong Kong and Singapore under the control of Lehman Brothers.

Read? STICK TO BASICS OF INVESTING TO RIDE OUT THIS PERIOD

MINIbond will make it sounds safer and suitable for those looking for yield!

How about Stablecoins?

TerraUSD and luna are known in crypto circles as stablecoins, which means their value is tied to a commodity or a currency. Stable sounds quite safe and less volatile? 19% yield p.a. Just need five years to reach Freehold investment income for life!

This time is different from Lehman Brothers saga!

Older folks are more likely to stay away from Crypto! Right? 


Sunday, 15 May 2022

Where does the money come from??? (4)

Read? Where does the money come from??? (3)

Read? Investing Made Simple by Uncle8888 (6) - About time to refresh it!

Read? More on Retained Earnings

Read? What Wrong With Yield Pig???

Luna 20% Yield? Shiok!

Seriously, we have to ask and think deeper where does the money come from?

1. At mahjong table

2. At casino

3. At ToTo 

4. At stock market

Answer for 1 to 3 is pretty obvious; but 4 may be tricky for confused retail traders or investors.

Seriously, we must know where does the money come from before putting our hard earned savings in the market. 

"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

Saturday, 14 May 2022

The Great Difference Between Retail Traders And Retail Investors??? (2)

Read? The Great Difference Between Retail Traders And Retail Investors???

Read? 100X versus 99%

Short or Long ONLY!

What the difference beside 100X versus 99%?

Long ONLY, we can hold forever and receive dividend income for life; but Short for forever will mean you are paying interests on Short and money out of your pocket for life!

So the difference is Forever! LOL!




Wednesday, 11 May 2022

The Great Difference Between Retail Traders And Retail Investors???

Uncle8888 still can remember donkey years ago in late Investing Trainer-Guru's forum the great debate between this Guru and one veteran retail trader on the great difference between investing and trading and why he discouraged trading!

Most successful and confident retail investors like Guru himself dare to expose 50% or more of their net worth into stock market to build investment portfolio; and Guru asked the veteran retail trader if he knew any retail traders putting 50% or more of their net worth into their trading account? No? That is the great difference! LOL!



Saturday, 2 April 2022

How To Know Our Financial Independence Number And 4% Withdrawal Rule?

Read? What Next After Reaching the EDGE of Financial Independence???

Uncle8888 based on his tracking of annual household expenses to derive the number to reach Financial Independence with 4% Withdrawal rule. i.e. FI = Net worth assets excluding residential home = 25 x Highest household expenses tracked since 2002!

Somehow SARS and COVID soften the FI number based on 4% withdrawal rule. We can expect more such virus in the coming decades!




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