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

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.


  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%


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