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, 25 May 2017

Spending So Much Time On Investing. Worth It Or Not?

Net worth excluding his residential 4 RM HDB flat. 

Based on PropNex, the last 4 RM HDB at 448, Hougang Ave 10 sold by this agency was at $433K on Jan 2017


  1. Hi Uncle CW, hope you're not having mid-life crisis!! :O

    Inclusive of CPF? :) At least it gives extra pocket money from 65 onwards, and helps to pay for H&S insurance.

    For me investing is an interest, so ok lah. Besides the discipline it requires helps keeps me grounded as well as build good money habits. I think many people don't realise this aspect. Becoz my investment assets are mainly international ETFs, so I'm motivated & forced to read widely about stuff happening overseas too.

    I think many people who are not interested & pro-active in investments may end up victims of con jobs, or be naïve in money matters. E.g. I actually know some people still paying for their property at age 60 & above.

    Anyway I'm lazy & stupid, so my actual investments thinking is only maybe 15-30min once a week. The rest of the time, it's doing my other stuff, having to do errands and if I have some spare time ... checking on some financial blogs for fun (my wife calls it financial porn as she thinks they're bo-liao .... but not your blog horr!!). :)

    1. True.

      If we believe in commercial ads that investing is the way to become very rich; then we may not have enough in the future from earned income.

      Investing as part of life journey to improve our financial exposure is the worth the while to spend those time and effort.

      I am also getting too lazy and avoid getting into deep analysis.

  2. CW, you're more a saver than investor.

    Just for fun...

    From your chart, I estimated below:

    1. Your average saving over 35 years of human capital is 55~65% (including CPF OA/SA).

    2. Investment return ~21% from your total earned income (cap gain + div).

    1. The moral of story is good savers can also achieve financial independence.

  3. Ha! Ha!

    i think we can safely say if your CAGR from Stock Market is greater then 8%, then maybe you are an investor more then a saver.

    Or put it another way, more then 60% - 70% of your Nett Worth is due to investment in the stock market.

    30% maybe due to living below your means.

    1. Also correct ... but 8% CAGR will growth to big tree if the initial investment capital is substantial.



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