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.

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
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Technical Analysis and Charting
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Sunday, 5 March 2017

Number One Lesson For Personal Finance!!!

Even you don't bother with detailed tracking of household expenses to MANAGE/CONTROL expenses as you believe there are trade-off for too much tightening and squeezing. But, at least; every month ending; you should have an idea what is the ROUND UP monthly number e.g. 2,000, 2500, 3000, 4000 etc

Your Future Me will thank you when you are about to seriously start your retirement planning.


  1. 👍👍👏🏽👏🏽 yah ! Left something for your future you !! Your future you will be happy seeing that :-)

  2. Every month just track what's the Cash Flow in & Cash Flow out will do.

    It's really not so difficult for once a month affair.

    There are many soft wares to help us.

    If necessary, cut back on the discretionary expenditures lol.

    It's easy to say cut back but not easy to do leh.

    1. In fact, over-spending more than 100% is due to "discretionary expenditures".

      When we were working, where got time to spend money.

      Must cut down or....???


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