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!

Click to email CW8888 or Email ID :

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

Friday, 21 April 2017

How Can Retiree Budget Without Earned Income???

Read? No More Year End Bonus!!!

Read? You Can't Eat XIRR!!!

All these years since Uncle8888 has started to acquire competency on personal finance and investment; he has learnt to avoid over-spending and under-spending his earned income by budgeting on last year earned income and bonus.

2018 Household Budget = 2017 B/F Cash Flow (Leftover) + 2017 Investment Income + 2017 Interests


  1. "2018 Household Budget = 2017 B/F Cash Flow (Leftover) + 2017 Investment Income + 2017 Interests"

    If 2017 Investment Income is negative, how?

    1. Good question. That is the reason why I am avoiding S-REITs as source of investment income as any right issues may result in negative investment income.

    2. Your 2017 Investment Income is mainly on Dividend and trading gain/loss from equity?

      Right issue from Reit may take back your dividend, it may increase to your future dividend amount. lol

    3. Ha ha. No stop loss. No negative mah


Related Posts with Thumbnails