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

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Monday, 18 September 2017

The Dilemma Of Young Personal Financial Investment Influencers

Read? Top Up CPF SA From CPF OA? Depending On Who You Ask! (10)

With more young personal financial investment influencers coming on board the investment blogosphere. We are seeing this dilemma exhibited quite clearly in the cyber space!

The wonder of compounding interests of additional 1.5% over the next 30 to 40 years in CPF SA to secure retirement well in advance vs the potent power of investment return in CPFIS across market cycles. This potent power of investment return in CPFIS can generate either gigantic return or destroy wealth.

With CPFIS, CPF members may be better off doing Bar Bell investing approach across market cycles by earning compounding interests at 2.5% safely during peace times and when opportunity arises; they take higher risk and moves over to the other end of the Barbell for investing return. Of course; it all depends on your investing skills; but have you put in 10,000 hours before the next opportunity arises?

BUT; many CPF members may wrongly treat CPFIS as money paper; and hence have no patience for investment return.

Since Government have already put in place hard limit as risk control and management i.e. 65% at 2.5% and 35% from negative to positive return so the ball is at our court. May be this is why we have this dilemma.

Uncle8888 also once had this dilemma. But; somehow he has managed to overcome it since he was very determined to become an active competent investor over market cycles even though he didn't have 30 years ahead of him as he was already 40+; but he still managed to kill his dilemma!

He has to arrive richer to retire earlier or poorer to continue to work until dead!

1 comment:

  1. Hi Uncle,

    Nice read. Indeed "craftmanship" is very important when it comes to investing. Be it CPFIS or own cash. But the thought of CPFIS beats it when many feel that they're not able to access their dollars in it whereas you'll be able to liquidate the cash holdings easily.

    CPFIS will require OA with a sum of 20,000 and SA of 40,000. Will have to build a "war-chest" for 20,000 and 40,000 in the respective accounts before thinking about it.. HAHA


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