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.

Value Investing
Dividend/Income Investing
Technical Analysis and Charting
Stock Tips

Monday, 10 April 2017

Dividends And Interests: Know The Difference In Cash Flow!!!

Interests are cash flow for you to spend without future worry; but for dividends you have to very calculative and careful when spending them as some dividends are meant to be refund back to the companies some time in the future. 

Do you seriously and really know the difference when you are retirees on tight cash flow to support your household expenses?

How often have you last read or heard about it in Singapore investment blogosphere?

Know your dividends well and play it safe!


  1. Beside interest, CPFLife annuity (or even AAA insurance annuity) is certain.

    1. Are WL policies that have increment in cash value per annum, count as a certainty too?

  2. In a sense actually nothing is certain except TAXES AND DEATH.

    So that anything happens, we can learn how to accept and survive quite O. K.

    If not something happens ...mati liu..

    Like caught in the Bear market losing too the tune of 50%.

    No lah!

    Can not happen to me one.


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