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!






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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 ?

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    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!!!

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    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!

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

    ha ha. otherwise unstable

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

    Any assets that you received your cash flow is your principal

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  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

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  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.

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