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.

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Value Investing
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Technical Analysis and Charting
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Sunday, 22 January 2017

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.


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