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

Saturday 24 May 2014

The most important chart in CW8888's blog to remember on Wealth Formula!!!

Read? Investing Lessons From Conversation With Uncle8888 (1)

Even you are NOT keen in active investing (DIY); you still need to fully understand the most important chart in CW8888's blog on wealth formula!

 Wealth = Asset value + Cash flow!


  1. You must fully understand the difference between your human asset and your financial assets then you may be on your way traveling on the road to retirement income for life

  2. Just to add...

    Human asset has self life (when you stop work, cashflow also stop), whereas financial asset is perpetual (as long as the company is earning money, the casfflow is just like a river stream).

    Better still, financial assets can be pass over to your love one.

  3. We (me too) always think of our Human asset or Human capital in terms of exchanging our time with a capitalist(business owner). Old already, die liu, no more HC left. It's true only to a certain extent.
    What about our time in exchange of acquiring financial knowledge and learning from putting the knowledge into practice in the the investment world?
    For me it's limitless until the Lord says, "Enough is enough for you".
    i still love reading financial and investment books.
    i visited the NLB quite often only for investment books.
    (Where got time for other books?)
    And, and,
    Some of the books are too "cheem" (most for U educated type of books) i just flip through.
    But most books i can still get something "new" to add to my understanding of the fascinating world of investment. i targeted for books that stress more on practical aspects of the investment world rather than the Alpha & Beta. It's out of necessity that i stress on practical aspects of investing (you should know why if you know who i am) though i do pay attention to the simplified ideas of Alpha & Beta in investing. i.e. due to the limitation of my IQ, i have no choice.
    But i survive!

  4. What I understand about the Wealth formula is WF = Money x Time x Returns.
    So the consistency and reasonable rate of returns can result in the growth of wealth


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