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.

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!

Currently; it about 54% to destination!

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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.

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
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Technical Analysis and Charting
Stock Tips

Saturday, 10 December 2016

The Difference Between Smart Financial Advice and Smart Financial Advice For You (2)

Read? The Difference Between Smart Financial Advice and Smart Financial Advice For You

Year end coming!

It is a good time to take financial advantage of Government's incentive for retirement planning!

Of course we should BUT ....

How many truly understand this diagram?

Net Worth and Cash Flow?

Rich Assets and Good Assets?

Big Fat Purse and Small Thin Wallet?

Single and Married with kid(s)?

Our parents are asset or liabilities

Not same hor!


  1. Hi Uncle 8888

    hmm one is for protection, another should be for accumulation.

    The accumulation part is more controllable and depends very much on individual.

    1. Every individual must think hard and harder whether smart financial advice that they came across are truly good for them for many future years as some financial decisions made are non reversible.

  2. i think all of us aim to accumulate enough of good assets that can generate "cash flow" for us
    during our "No Human Capital" phase so that we don't have to enter into "deaccumulation phase".

    It's really very hard for working class average earners to achieve.

    1. Uncle temperament

      That's where this "bond" is more advantageous to the rich.

      There's this 1m65 video about the accumulation from this entrepreneur. Guess where was he from before he is an entrepreneur?


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