As from April 2013 my Journey in Investing is to create Retirement Income for Life till 80 years old for two over market cycles of Bull and Bear.

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.

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Value Investing
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Sunday, 29 September 2019

Three Years After Retiring From Full Time Monthly Salary As Employee (2)


Read? Sequence Risk's Impact on Your Retirement Money

Read? Two Years After Retiring From Full Time Monthly Salary As Employee (2)

Read? How I likely to avoid sequence-of-returns risk from my investment portfolio


Three years have passed over without any sequence of return risks or asset draw-down after retirement from full-time job as employee in Sep 2016.

So far, there is no impact on net worth as cumulative cash in exceeds cumulative cash out.








































5 comments:

  1. Hi Uncle8888,

    Cash shield, yield shield, bond shield.

    I think very hard for negative sequence of returns risk to penetrate your triple shields! LOL!

    Based on your 3 Taps pie chart, roughly 14% of your total portfolio in risk assets (stocks).

    Using SG large caps as proxy for your stocks positions, the maximum drawdowns over past 22 years if 14% Singapore stocks and 86% cash:-

    1) -8.6% (GFC)
    2) -7.5% (AFC)
    3) -4.5% (2015 China / Oil Crisis)
    4) -3.1% (Dotcom / SARS, but a long frustrating 3 years of +/- 3% up & down sideways sandpaper grinding)

    Do note that all above drawdowns recovered ... but of course take time & patience (which depending on personal circumstances & goals, may or may not have).

    Total gains of 85.3% or CAGR of 2.76% over 22 years LOL.

    Using Monte Carlo statistical projections for the above 14:86 asset allocation:-
    Worst case drawdown (Great Depression style) -- -11.5% (i.e. stocks position almost wiped out!)
    Median "big bear" drawdown -- -8.1%

    ReplyDelete
    Replies
    1. Ha!Ha!

      i only 4Ks, U super K or Super 4 Ks because your maths is much higher, mine only count with fingers and toes.

      Yes in de- accumulation phase, we still have to watch cash in is more than cash out.

      If necessary even belt tightening in bad times.

      Especially if we want to leave a legacy.

      Congratulations!

      Delete
    2. The only problem is only God knows how we go and at what time.

      For non-believers, no exceptions. No?

      Delete
    3. If we know when to go then retirement planning will be simpler

      Delete

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