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

Thursday, 23 March 2017

The Evolution Of The Four Pillars For Retirement Income Portfolios


Read? The Evolution Of The Four Pillars For Retirement Income Portfolios




 Since Uncle8888 as retail investor is a failed trader; he has learnt something from the above diagram and from SMOL. He has amended his diagram according.

 Changing from Trading P/L to Capital Gains from the Bull i.e. no capital gain; it is NO SELLING to reflect exactly the state of mind of a failed trader!






Posted by Createwealth8888 at 09:52
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10 comments:

  1. Betta man23 March 2017 at 10:40:00 GMT+8

    Thanks for sharing.

    One question. Why are interest from CPF OA and SA considered separate taps ?

    ReplyDelete
    Replies
    1. Createwealth888823 March 2017 at 11:22:00 GMT+8

      Tap 2 is meant for medical & health fund. I have allocated SA, MA, RA and Medi-shield for this purpose. Interests from SA will be used to pay medical and health expenses if any.

      As Ant; I like to make simple thing a little more complicated for Grasshoppers to poke. LOL!

      Delete
    2. Createwealth888823 March 2017 at 16:41:00 GMT+8

      I have checked my records. Since 2008 when I reached MA limit; every year interests from MA transferred to OA till 2016

      Delete
  2. RayNg23 March 2017 at 10:45:00 GMT+8

    Every year has capital gain... excellent!!!

    ReplyDelete
    Replies
    1. Createwealth888823 March 2017 at 16:25:00 GMT+8

      Somehow, some year, and some sectors seen to be rising while other sectors might be dropping. Sector rotation across market cycle. Good to have a diversified portfolio bought over diversified time frame across market cycle; then we may observe this effect with our portfolio.

      Delete
  3. Singapore Man of Leisure23 March 2017 at 10:48:00 GMT+8

    CW,

    That's why I like to engage with people stronger, smarter, and wiser than me ;)

    Through our "sparring sessions", I have gained a lot of new insights too.

    How to sharpen my saw if I don't go AGAINST a touchstone?

    LOL!

    ReplyDelete
  4. Createwealth888823 March 2017 at 19:51:00 GMT+8

    ha ha. otherwise unstable

    ReplyDelete
  5. Createwealth888823 March 2017 at 19:55:00 GMT+8

    Any assets that you received your cash flow is your principal

    ReplyDelete
  6. Createwealth888823 March 2017 at 20:49:00 GMT+8

    WL is Rich Asset with no cash flow so it is not consider as Principal. Once surrender it is good asset

    Principal is associated with cash flow or interests

    ReplyDelete
  7. CreateWealth888823 March 2017 at 21:40:00 GMT+8

    Actually surrending policy and getting the cheque is quite fast. I got it done in less one hour. Reading newspapers while waiting.

    ReplyDelete

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