How I Invest For Income Without Losing It Back To Mr Market During Retirement?

Without losing any income investment back to Mr Market?

Chun bo? Remember that you said that Losing is part of investing game. LOL!

3Ms - Method, Mind and Money Management

Method

Uncle8888 has two bank accounts i.e. one joint bank account for investing which linked to joint CDP account and another joint account for saving to fund household expenses.

Investing is investing. Liquidity for household is spending. Never mix up investing with saving/spending. Never!

Whatever investment income i.e. dividends or trading gains will be transferred from investing to saving for liquidity to fund household expenses.

Mind and Money Management

During his retirement phase; he is no longer investing to build up more wealth for his retirement as he is already retired. He is investing for income to spend and using his war chest to calibrate investment income to try to make it sustainable across market and economic cycles.

His investing capital has been fixed since inception of investment portfolio on Jan 2000; he has not injected a single cent into invetment portfolio for the last 20 years of investing journey. He is kiasu and kiasi. He can only afford to lose what he can put into the stock market as single household income with three children. 

Mai cheong in the stock market! He is not those Early Retirement Masterclass type of retail investor. He is as slow as Panda or Koala. 

That is the nature! Slow!

If he is still good at investing; he will be able to generate investment income with his fixed capital. If he has lost his capital significantly in the future; he will have to retire from investing and lives off his CPF and quit investing game! Game over for him!

How not lose back money to the stock market?

Once this investment income is already spent; how to lose this money back to Mr Market. Right?