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.

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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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Saturday, 25 March 2017

Why I Don't Lend My Money Via P2P???

Read? How to become rich in stocks??? (29)

Peter Lynch:

You don't need a lot in your lifetime. You only need a few good stocks in your lifetime. I mean how many times do you need a stock to go up ten-fold to make a lot of money? Not a lot.

I think the secret is if you have a lot of stocks, 

some will do mediocre, 
some will do okay, and 
if one of two of 'em go up big time, 

you produce a fabulous result.  


In lending money via P2P to earn XX% interests and feeling shiok is like making the Inverse of Wise Words from Peter Lynch becoming true!

Most of time; you earn fabulous interests; but if a few of them go default; you may return most of your fabulous interests in your lifetime of lending.

Wu Hua Bo, Bro?


  1. Retail lenders are different from retail traders & investors. They like to believe they are above average when come to picking up their selected transactions.

    1. CW,

      With junk bonks, at least there's chance for capital gains if interest rates go down.

      Can also buy Credit Default Swaps for insurance (OK, may not be applicable in SG) to hedge against defaults.

      P2P lending is more for those with less than $250K to "lend".

      Krill although tiny, if grouped up into a ball, still makes a nice meal for a whale ;)

    2. Many still confuse lending for interests as income investing. They thought same same. Walau!

  2. Might as well try to be a "Venture Capitalist" in "SGX Catalist Board".

    Really that is one of my fancy.

    You know fancy is fancy only.

    Can't be true right?

    1. How to be Venture Capitalist" in "SGX Catalist Board"?

    2. No lah!

      Just talk only.

      i just imagine (aka fancy) i will investigate (best if you know people working in the companies) and invest in as many promising companies before they are promoted to SGX Main Board lol.

      That's if we have the capital for risky investments.

      That is why they are not call "Venture Capitalists" for nothing.

      That's why it's my fancy only.

      No capital for this type of risky investment - growth investment?


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