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.

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Important Notice and Attention: If you are looking for such ideas; here is the wrong blog to visit.

Value Investing
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Technical Analysis and Charting
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Tuesday 16 December 2014

Future Cash Flow For Retirement Life???

Uncle8888 strongly agreed with  Focus less on Net Worth. Think more in terms of Cash Flow

Read? It’s safe to invest entire life savings in stocks. But it can be safer!!! (3)

"When we are in heaven, our money will still be in the bank."

"We don't seem to have enough money to spend; but, when we are gone; there's still lots of money not spent.


He is planning in terms of future Cash Flow for his retirement life without leaving lots of money not spent.

The sources of his future cash flow will come from:

1) An investment portfolio generating just 4% yield p.a. at flat rate and non compounding.

2) Yearly partial asset drawn on CPF OA and cash FDs till the last withdrawal on 2036

3) CPF RA, SA and MA as self insured fund for medical and health care and also covered by enhanced medical shield. Assume zero growth.

Using actuarial present value of his future cash flow (excluding the asset value of investment portfolio) and total liabilities @ 2.5% year inflationary rate.

Now, he can reduce his tensions and worries over future market cycles.


  1. CW,

    How do you put a $ value on a good night's sleep?

    Peace be with you :)

    1. That why you need to track your past living expenses and track your parents living expenses?

      How does some charity foundations survive year after year just based on initial founders contribution without further fund?

      Do your own research and be at peace?

      "When we are in heaven, our money will still be in the bank."

      "We don't seem to have enough money to spend; but, when we are gone; there's still lots of money not spent.

  2. CW8888 : Looks like your retirement will be "relax relax eng eng bo dai ji" liao! lol

  3. Don't laugh at his tracking here and there. So that we can at least put $ value to delight Future Us!

    My late father-in-law spent his last 18 months in a government subsidized nursing home at monthly cost of $2,300 (just the cost of nursing home and exclude other medical, ambulance transportation and hospitalization expenses)

    Recently, my colic's late father spent close to 6 yrs in religious supported nursing home at cost about $1,500 per month.


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