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

Saturday 4 February 2017

Save more than 60%. No need to invest??? (6)

Read? Save more than 60%. No need to invest??? (5)

So far if it not wrong; only two bloggers said loud and clear that NOT everybody need to become retail investors to beat inflation. 

Good savers who are risk averse and don't want to ride the emotion of losses or even paper losses can choose not to invest.

Good savers can beat inflation by having more than enough assets for draw-down to last their lifetime.

Read? He Has Retired At 58!

His ex-boss told Uncle8888 that he doesn't invest in stock market anymore as he can't afford to lose anymore!


  1. CW,

    2 groups will do their best to "inspire" others to take up the path to financial freedom:

    1) Vested interests. Duh? If not how they earn fees and commissions? Its like those who like to talk about healthy living, anti-oxidants, etc... They are trying to sell you health supplements or recruit you as their underlings in their Multi-level-marketing sales funnel ;)

    2) Not vested but started their journeys from 2009 onwards. They have never been through a -50% market meltdown yet... We have.

    And that's not something I wish to see people who matters to me go through. Make less is always better than lose money!

    Only bei kambings think investing is easy.

  2. temperament,


    Even with all these years of experience, like you, there were times I was this close to giving up!

    After our experience and knowing what we know now, how can we tell others to "invest" without sounding "phoney"?


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