It Is NOT SEXY To Talk About Saving And Earned Income As Investment Bloggers (2)

Read? It Is NOT SEXY To Talk About Saving And Earned Income As Investment Bloggers???

39 years as full-time employee from Aug 1977 (21 yrs old) to Sep 2016  (60 yrs old) and 20 years as retail Panda/Koala investor doing short-term trading and long-term investing in local SGX across markt cycles of Bulls and Bear From Jan 2000 to Nov 2019

Which one has generated better return on capital? Human asset or Financial asset?

Uncle8888 has invested his money, time and energy to upgrade his human asset from GCE A through part-time study to Diploma and Degree. 


But the sad truth about human asset is that not all of us can make it!

Read? For Most Of Us, The Sad Truth About Our Human Asset And Why We Need To Think About It???


But; he still has this strong belief that our human asset is a better wealth generator i.e. earn more, save more. Although, Uncle8888 was a piece of dead wood as employee in his last decade of corporate working life; but he still accumulated his annual salary till his voluntary early retirement and stopped becoming liability to his bosses as Team Lead who himself was NOT motivated and just cruising along!

Read? I Am Liability To The Team!!!

The result for CAGR on human asset over 39 years as full-time employee vs CAGR of investment portfolio over 20 years across market cycles as Panda/Koala class of retail investor in local SGX market.

Human asset : 12.7% CAGR over 39 years

Financial asset : 6.2% CAGR over 20 years.

How many of us seriously think that by coming to the stock market with 5 or low 6 digits investing capital; and you can pursue FI or FIRE without focusing on earn more, save more strategy on our human asset?

This is he has done over the last 20 years as retail investor. 

Read? Your Investment Portfolio is your Accelerator on the Road to Financial Independence! (2)