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

Sunday 22 May 2016

Save more than 60%. No need to invest??? (6)

Read? Save more than 60%. No need to invest??? (5)

Assuming Uncle8888 has decided to quit investing for cash flow and use his current War Chest as additional cash flow to fund his future household expenses.

Will he still have enough money to last till 2038 and how bad is it?

Knowing his past annual household expenses for family of 5 members since 2002

Using the highest annual household expenses since 2002 as the base number with annual inflation rate @ 2.5% to know how much money he has to last till 2038 when he is about 81 years old.
His Tap 1 can cover up to 79% so it is not too scary to think about it.



  1. When it becomes unsustainable, I will cut down on travelling so it is still manageable.

    1. You travel budget comes from tape 3, isn't it?

      Just YOLO a bit lah... you have no debt at all (no car loan, no house loan, etc...)

    2. Think about time to switch to less time consuming or less stressful investing like STI ETF for lower return and yield. :-)

  2. Uncle 8888

    Good post. The real cost starts when one is getting uncomfortable.

  3. True.

    When we have more discretionary expenses it will be easier for us to cut back to more comfortable level. YOLO More now and then YOLO Less when time comes. LOL!


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