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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Value Investing
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Saturday, 10 October 2015

Your Investment Portfolio is your Accelerator on the Road to Financial Independence! (4)

Read? A Gift to Colleagues and Friends!

Read? Your Investment Portfolio is your Accelerator on the Road to Financial Independence! (3)

Uncle8888 started working in Aug 1977 @ 21 yrs old and became CPF member. Two more years in Aug 2017, he will celebrate his 40th years anniversary as CPF Member!

What has he achieved after 40 years as CPF Member?

Will his next milestone on the Road to Financial Independence is to become an old CPF member Millionaire with his CPF accounts in 2016 or 2017?

Is this something to celebrate on his 40th Year Anniversary as an old CPF Member?


  1. Congratulations on your CPFIS++++!

    Is your age group allows you to choose to opt out or delay as long as possible, the compulsory CPF Life for people who just working not long.
    i opt in to CPF Life only after i got the "Delay Bonus" (at age 65) because now CPF Life pays me more every month than if i did not opt in.
    Of course, i lose something in the bequest if i say SAYONARA too early.

    My wife is still waiting for her "Delay Bonus".
    i think she will delay as long as possible.
    In fact, i don't think CPF Life is Beneficial for her.
    Because of ........????
    i think we will treat her RA as our "last resort" as long as we can afford.
    Not easy to compound @ 4% or 5 %, "risk free", you know, without you doing anything.
    Ha! Ha!
    SMOL, who says "There is no Passive Income or Investment?
    Got you leh!

    If you are in the age group that has a choice to opt in or opt out CPF Life, what is your consideration or decision?
    (Pardon me i am "too lazy" to check the age group cut off date, that have the option of opting in or out on CPF LIFE)

  2. temperament,

    I'll ask you 3 questions:

    1) Where did your CPF funds come from?

    2) How much time and brain cells did you use up to decide to opt out or delay as long as possible?

    3) Did you not have to EARN the capital first, and then SECURE you've made the right investment decision for this CPF passive income?

    If your wife never works a single day, and her CPF were gifted by you to her, and the decision whether to opt out or delay as possible was made by you on her behalf, yes, I'll concede it's passive income from your wife's perspective ;)

    I never said there's no such thing as passive income.

    I did say if you inherited that position it's passive.

    And the only other way we can get a passive income without us lifting a single finger that I can think of, is someone gifting that position to us ;)

    So there!

  3. Smol
    You are right RA can become "passive income only after much blood sweat and tears.
    And it's a passive income now only if you can do with without needing it.


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