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.

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

Saturday, 24 June 2017

Investors still looking at returns before considering risks: David Gerald, SIAS

Read? Investors still looking at returns before considering risks: David Gerald, SIAS

Absolutely true!

We just need to read FB of investment bloggers and investment blogs' comment section on the type of questions or views that were asked by readers.

Some are frustrated over lower return from life insurance as they DON'T  REALLY understand the purpose of life insurance is for PROTECTION against human asset and investment return from life insurance is secondary.

Protection against human asset is immediate once the life insurance policy is in force; but your investment portfolio will take years or decades to be significant as protection against your human asset. 

Until we can prove ourselves we are better investor then Term and Investing is the way to go!


  1. People are impatient to FIRE their boss maah...

    They read about all the Ah Kow's & Ah Mao's retiring at 35 or 40 and KLKK, eat here, eat there. :) :)

    So they kena FOMO --- fear of missing out AKA fear of losing out.

  2. In a way there was some truth how i looked at Ah Kow's & Ah Mao's why when there was a Bull Market, they laughing all the way to the bank.

    And when the stock market crashed (recession), we had to worry about retrenchment.

    Not so much about FOMO, rather i also want a peice of the cake when there is a BULL MARKET.


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