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

Wednesday 19 October 2016

Why you may not be sufficiently prepared for retirement (2)

Read? Why you may not be sufficiently prepared for retirement

Read? SRS : You open. I open

Read? SRS - Annualized Return Over 3 Years! (2)

Year end coming!

SRS and Transfer from CPF OA to SA?

Blursotong King 15 October 2016 at 17:32:00 GMT+8


After hearing from you, I fully agree and buy in to your theory. Thanks!

Lacking of empathy in some blog posts is quite clear?

Small Thin Wallet cannot fit into Fat Big Purse's shoe.

Married late with two or more young children can NEVER fit into SingleHood's shoe.

Our worries will largely depend on the number of dependents we have as we married and have children. We want to provide them a better life. Right?


  1. Everyone situation is different. Only you know yourself best. Don't monkey see monkey do without understanding if it is suitable for you. If you need advice, jio Uncle for a kopi ksong! I don't mind tagging along to learn new things.

    1. Our life is largely shaped by our perceived views while going up the Mountain; but once we have crossed through the Forest of Darkness and going down the Mountain. Our views may change and sing a different song from the mainstream!

    2. Understanding the difference between (1) Planning for retirement early and moving ahead year-on-year and (2) Planning for retirement early and getting lock-up for retirement way ahead of its time.

      In Hokkien, Kiang zhu ho, mai kay kiang

      Kiang zhu ho translates as “you can be smart” and mai kay kiang is “don’t try to be too smart”.

      Life ahead is full of uncertainty especially for the married couples with younger children and dependents. We have to be triple careful of locked up financial decision way ahead of its time. During life crisis; Cash is King to meet immediate or near-term needs.


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