As from April 2013 my Journey in Investing is 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!

Currently; it about 54% to destination!

Click to email CW8888 or Email ID :

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

Saturday, 26 June 2021

"Passive Income" From Saving Of Rentals Through Own HDB Home??? vs CPFIS Investment Gains

Read? Am I worry about worthless 4 RM HDB at the end of 99-year lease?

Let assume average Uncle8888's HDB 4 room rental is about $1K per month from 1987 to 2020 and over 34 years of rental expenses is 34 X 12 x $1K = $408K

He has already saved $408K - $55K = $353K!

Read? Luckily For Me In Those Days; There Was No Investment Bloggers, No 1M65 Movement, No Social Media Shouting on 1.5% Compounding Interests in SA Is The Magical Formula To CPF Wealth Building


  1. CW,

    You and me are the 2 dots of the Tao symbol ;)

    Opposite sides of the SAME coin.

    At the very least, we offer some "opposition" voices in the community where Indian Chiefs and parrots roam large...



  2. Hi Uncle8888,

    Congrats on a 7+ bagger "freehold" property! 😂

    Got my resale HDB in 1998. Applying average rental, so far only a 2+ bagger.

    Govt must wish that everyone is like you!

    Own residential is a living expense, not capital gains. ;)

    Of course, one doesn't get 50+ years of support by preaching that your money is "used up".

    So along the way, "asset enhancement" got mixed up in the messaging. LOL.

    S'pore property is mature now, with GDP growth in the low-to-mid single digits, and with immigration & population growth a much more sensitive & more controlled factor.

    In the 1970s, a property can 20X. By the 1980s, that already halved to 10X. And by the 2000s, you'd be lucky to 2X a property.

    Buying own residential to hope for windfall capital gains can be impractical at best (waiting for crash to buy matrimonial home) or harmful at worst (maxing out TDSR to get that "sure win" property).

    Of course for those who can afford multiple properties, hey! no problem, go & test it out!

    But as someone who is also renting out a small condo, I gotta say after 15 years that it's easier to make money from stocks than physical property & tenants LOL!

    1. Making money from stock market doesn't require customers/suppliers/tenants and also doesn't have to handle complaints or requests. After Point X, it becomes truly passive income or "lie flat" investing!

  3. What about all forfeited goodies from G if U stay in HDB but even own a tiny, tiny shoe-box rental?

    All add quite a lot if 15 years.

  4. Also gross rental fee can fall from - 30% or more

    If property is on mortgage then....?

    Not to mention property value can fall too.

    And then Bank may ask top up for initial down payment?

    Just like a margin call for margin stock trading?

    Aiya! Too much for not smart to worry about.


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