Hindsight And Foresight Of Tracking And Measuring : One Reliable Forecasting And Planning Tool!!!

Ants have been busy preparing for the next Winter. They will know how much to gather to survive through the Winter and still have enough spare time after their hard work to dance in the Sun and Rain!

The hindsight and foresight of tracking and measuring. 

It is all about relying on the PAST to live within our means in the PRESENT and forecasting and sustaining the FUTURE with high level of confidence. 

Ants have this reliable tool to forecast their FUTURE!


The PAST, THE PRESENT and managing the FUTURE with caution!

The PAST, the PRESENT (Somehow; even NOT within Uncle8888's CONTROL; it still happen somewhat like those past years. How come?, and will the FUTURE may be some variations of the PAST.

Frugal Traveler's Meals in BangKok

DBS

Chatuchak Park

What You Want To Know More About XIRR???

Read? What you want to know more about XIRR?

Seriously, after reading still don't understand how?

You can't save that cup of kopi o kosong as you need 1 to 1 clarification over kopi session.

My CPF : Like It or Hate It!!!

Uncle88888's CPF functions as his lifelong Fixed Income Annuity as he didn't purchase any commercial one.

His Yearly Cash Flow model for sustainable retirement income for life will include this fixed interests draw out from SA, OA and MA??? at every December starting from Dec 2017 as part of his overall cash flow level for 2018 to fund his living expenses for that year.

Track And Measuring Investment Portfolio, Cash Flow and Net Worth. No Illusion And No Ego Boasting!!!

Read? CAGR, XIRR simplified

With the above blog post; it has saved Uncle8888 from explaining the difference!

Uncle8888 has tracked and measured whatever that can be measured and mathematically presented so that he is fully aware what has happened with his investment in the PAST and what can be possibly done better in the future; and what should be avoided in the future.

No illusion. No ego boasting measurement. It is as comprehensive as possible e.g. XIRR, CAGR since portfolio inception in 1 Jan 2000, ROC, cash flow, win-loss, net worth, paper gains lost back to Mr. Market etc. All have been measured!

ROC is good measurement for each transaction.

CAGR/XIRR is good measurement for investment portfolio including idle or rotting Cash. No illusion over long measuring period e.g. over one or two decades of investing period.

Cash flow level is good measurement for sustainable retirement income for life.

Net worth Pie is good breakdown to forecast sustainable retirement assets for draw-down as cash flow when it becomes necessary.

Portfolio Management Pie is good indicator what could have been done better to achieve higher performance and what should be minimized or avoided in the next market cycle.

Cash is rotting in the War Chest earning little return; but it is premium paid to seek better opportunities or future multi-baggers.

Read? DBS : Sold @ $19.03


Read? Kep Corp : 478% ROC And Still Counting!!!

Why doing these extra?

It is all about knowing ourselves better, our PAST; working on the PRESENT for better FUTURE and avoiding or reducing those mistakes made in the PAST so the FUTURE won't be worse than the PAST.


It is worth Uncle8888's effort to do it as his outcome so far has shown it!

Who is still laughing now?

Kep Corp : 478% ROC Just Based On Total Dividends Received And Still Counting!!!

Read? How we made 468% returns on Kep Corp on dividends only

For yield investing; it is about our Entry Price!

From Good to Bad Examples. 

DBS : Sold @ $19.03

Read? DBS: Bought Back @ $16.01 for Round 21


Round 20: ROC +11.3%, 490 days, B $16.98 S $19.03 

Round 19: ROC +178%, 4,385 days, B $7.53 S $21.04   
Round 18: ROC +144.7%, 2,174 days, B $8.27 S $20.31  
Round 17: ROC - 31.1%, 232 days, B $24.20 S $16.80  
Round 16: ROC - 21.6%, 222 days, B $23.20 S $18.32  
Round 15: ROC - 18.1%, 186 days, B $22.90 S $18.88  
Round 14: ROC - 9.2%, 70 days, B $21.00 S $19.20  
Round 13: ROC +9%, 65 days, B $20.50 S $22.50 
Round 12: ROC +10.6%, 8 days, B $20.50 S $22.60

Do We Invest And Manage Our Investment Portfolio Like We Are Going To Be Around For A Long Time???

Do we or should we especially when we still have a few dependents?

Can we count on our dependents to have that same level of financial competency to manage financial crises and our investment across market cycles?

Why I DIDN'T chose a 30 year bank loan but a much shorter one???

Read more on ? Housing Loan


A few questions to be seriously answered before we know whether we ARE LIKELY to be right in the future.


(1) You seriously think that you won't get married and have kids.

(2) You don't REALLY have any dependents counting on you alone.

(3) You don't foresee you will be forced into unexpected early retirement


If the answer is all YES!

You can go ahead with your 30 year bank loan!


Uncle8888's  past conversations with those who have been retrenched. 

Those who said Heng Ah and felt so relieved! are those who have fully paid up their housing loan!

You will know whether you have made that right or wrong decision regarding your housing loan when you are retrenched in your 50s!

Tax Saving For SRS. She Has Been Happy Until .....

Read? SRS : You open. I open


True Story ....


One day; one woman in her 30s was telling Uncle8888 about how she has saved $300+ in her tax payable for that year and she looked quite happy with her tax saving; but then Uncle8888 poked her with this remark ..

$300 for locking your cash for the next 30 years. One year is $10! Okay. Right? Think about it!

Top Up CPF SA From CPF OA? Depending On Who You Ask! (10)

Read? Top Up CPF SA From CPF OA? Depending On Who You Ask! (9)

Saturday, 19 September 2015

.....

Recently; Uncle8888 has been reading increasing interests in topping up CPF SA.

He did once to top CPF SA from his CPF OA and then realized .. oh dear and stopped!

One and only once!

Probably; the lone voice that is lost in loud CPF SA drummers!

For long journey ahead; beware of One Way Traffic as there is NO turning back when you realized you have miscalculated your liquidity needs.

Wealth = Asset Value + Cash Flow


People top up their CPF SA. You top up?

People has plenty of liquidity. You also have?

Can anyhow follow?

Why Uncle8888 did once to top CPF SA from his CPF OA and then realized .. oh dear and stopped?


Uncle8888 realized he is an investor and he has been working hard to become competent  investor and his Maths showed him he can beat that extra 1.5% compounding interests over 10-year period. 

Over ten years, no Bear market?

Extra 1.5% compounding interests in CPF SA for $10,000 after 10 years is 14.3% gain.

But that trade off of $10,000 transfer from CPF OA to CPF SA is that you will have $3,500 less in your CPFIS to invest in the next Bear market.

To beat that 14.3% gain for $10,000 in CPF SA; you just need 41% capital gains for $3,500 in CPFIS excluding dividends.

How difficult to gain 41%?

Ask the veterans who have been through the past few market cycles.






  

On Blog Leave From 24 to 28 Jan2017 - BangKok

Uncle8888 last visited was some 20 years ago!

Wishing all Readers an early 新年快乐!

No Shifting Goal Post!!!

This is how Uncle8888 has set his Goals without any shifting Goal Posts. There is nothing much to shift since 10 years is long time for retail investors!