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.

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Important Notice and Attention: If you are looking for such ideas; here is the wrong blog to visit.

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Wednesday, 1 March 2017

Financial Independence at 40 or Financial Independence at 50/60???

Any difference?

Financial Independence at 50/60 may mean that our children are likely to be independent soon. We may not need larger investment portfolio to generate larger investment income to fund our household expenses. We can also include asset draw-down as cash flow at the latest stage of our life as the gravestone is not that many years away!

Many will be able to reach financial independence in their 50/60 if they are willing to include asset draw-down strategy as part of their sustainable retirement income for life.


  1. This comment has been removed by the author.

  2. Uncle8888,

    50/60 financially independent still need to work longer years in order to beat the uncertainty, like
    1. How long we can live on, nowadays more & more 90/100 :)
    2. Medical cost
    3. Actual inflation rate

    1. Well said. That is very true!

      I didn't retire when I have reached the edge of FI at 56+; but retired @ 60. A few more years of buffer added to FI.


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