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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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

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Thursday, 14 May 2015

Bond Vs. Stock???

Must know the difference!

Bond: Becoming lender. Collect interests and return OF capital.

Stock: Becoming investor. Collect dividends and return ON capital; but can be negative return!




  1. Simple and precise.

    Good reminder and summary to those who are considering bonds.

  2. When we definitely NEED that money back on 8th year; then we may want to consider FCL 3.65% bond for return of capital; otherwise why do we need bond for cash flow?

    Another 7 years is a long time in the stock market when this Bull is already 6 yrs old.

  3. Don't just follow the loud music bandwagon without doing deep thinking. Cash flow can also come from possible capital appreciation by selling it.


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