Before you also caught this fever in the investment blogosphere. You must clearly understand the difference. Buying bonds is lending money and never about investing. We lend money to collect coupon/interest and expect Return OF Capital; but can also be unexpectedly zero or 70 to 90% haircut return OF capital. When we invest; we can collect dividends and expect decent total shareholder Return ON Capital; but can be negative or zero too. All investment and lending by NATURE is risky! Saving deposit is insured up to $75K. No free lunch! Risk, Return OF capital and Total shareholder Return ON capital made that clear difference. Fully understand who you are and what you want to achieve!
Last updated : 14 Sep 2019
I am 63 yrs old uncle living in HDB heartland who has achieved financial independence @ 56 and finally retired @ 60 from full-time job as employee on 1 Oct 2016.
Single household income since 1995 with three children.
Currently, two sons and one daughter are working.
I have been doing 20 years of long-term investing and short-term trading in Singapore stock market only since Jan 2000 so I am that so-called Panda or Koala in the investment world.
I am currently executing my Three Taps solution model to maintain sustainable retirement income for life till 2041 @ 85 yrs old.
Disclaimer: Stock trading involves significant risks. Create Wealth trader is not a licensed Investment Adviser and will not be responsible for any losses which you incurred. You are advised to always do your own homework before making any trading decision.