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.

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
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Thursday, 19 January 2017

SMART Goals and Smart System Are Not Mutually Exclusive!!!

Ants will know this very well as they are planners and executors for their goals. It is about setting Goals and then sitting on our ass and dreaming that the Goals will somehow be achieved by that time frame.

Ants will plan, execute, revise and do whatever it takes to reach the Goals whether it is earlier; on time or late. Ants already have their System in place to achieve their SMART Goals.

The Goals will be achieved! It is not dreaming and hoping!

Posted on Sunday, 21 February 2016

Read? The Last Two Financial Goals! Long Journey of 40 Years!


  1. CW,


    The bleeding heart didn't bite.

    The butterfly so elusive that I had to write an essay comment before wringing out a small concession our CPF share should not be a major part of our total wealth in retirement ;)


    You'll hug your sampan to sleep!

    For a non-Christian, I can be more "Christian" like in my beliefs ;)

    Surrendering to God's will is kind of similar to “The Tao never strives, yet nothing is left undone.”


    Now who says being a theist and atheist are mutually exclusive?

    Great! Finally we are back to being loggerheads :)

    This is more fun!

    1. Technology has changed. Now we have inflatable sampan that can be folded up and back-pack without using hand to carry. It is like fold-able bike. :-)

  2. CW,

    You mentioned withdrawing interest from OA AND SA; Can you also withdraw interest from MA & SA.

    i think it's a very good idea as a "Self Funded Annuity".

    In fact it is best if the principle are not touched.

    Then it is a perpetual "Self Funded Annuity" with original capital as legacy for your ????

    CW, you are a brilliant.

  3. On the other hand, if we have more then enough in OA, can we just withdraw the amount yearly from OA only?

    Will it be better if this is allowed?

    1. It is best to go down to CPF Branch at every Dec and check the exact amount of interests that can be draw out without touching the Principal


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