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

Tuesday 30 November 2021



Omicron Bear Coming to Town instead of Santa Claus!!!

Read? Omicron - The Next Pain Point Or Opportunity For Retail Investors Begins!

Is Omicron going to be worse than COVID-19 beating up Panda retail investors who only know how to long ONLY!

Let see how badly Uncle8888 will be beaten by Omicron Bear! 

Day 2 of long days of pains ahead!

Buy more. Lose more! :-(

Singtel : Bought @ $2.38 for Round 6

Read? Singtel : Bought @ $2.46 for Round 5 (Buy back)

Omicron coming to Town! More pain coming too!

Monday 29 November 2021



Sunday 28 November 2021

Omicron - The Next Pain Point Or Opportunity For Retail Investors Begins!

An unsophisticated, Panda/Koala retail investor in uninspiring and boring local SGX market!

More Panadols to ease more pain soon!

Panda's lies - Paper losses are NOT real. Go and sleep well!! LOL!

Saturday 27 November 2021

Dow tumbles 900 points for worst day of year on fears of new Covid variant, S&P 500 drops 2%


U.S. stocks dropped sharply on Friday as a new Covid variant found in South Africa triggered a global shift away from risk assets.

The Dow Jones Industrial Average dropped 905.04 points, or 2.53%, for its worst day of the year, closing at 34,899.34. The S&P 500 lost 2.27% to close at 4,594.62, while the Nasdaq Composite slipped 2.23% to finish at 15,491.66. The Dow was down more than 1,000 points at session lows.

The downward moves came after World Health Organization officials on Thursday warned of a new Covid-19 variant that’s been detected in South Africa. The new variant contains more mutations to the spike protein, the component of the virus that binds to cells, than the highly contagious delta variant. Because of these mutations, scientists fear it could have increased resistance to vaccines, though WHO said further investigation is needed. On Friday, the WHO deemed the new strain a variant of concern and named it omicron.

Bitcoin as one point traded as low as $53,549, its lowest level since early October.

The cryptocurrency is down 20% from an all-time high of nearly $69,000 which it hit earlier this month.

Bear markets are typically defined by a decline of 20% or more from recent highs.

BTC also panic selling???

BTC is supposed to be future proof?

Friday 26 November 2021

SATS : Bought $4.04 for Round 1

Thursday 25 November 2021



Singtel : Bought @ $2.46 for Round 5 (Buy back)

Read? Singtel : Bought @ $2.52 for Round 4 (Buy back)

XD 17 Dec 21. Panadols for next year heartache!

Tuesday 23 November 2021

The True Secrets To Sustainable Dividend Income Investing Across Market and Economics Cycles

 3M's in investing - Method, Mind and Money Management!

If you are among those who kept searching for the best Method or the best "Gurus" to teach you the best Method to invest for sustainable dividend income across market and economic cycles for FIRE or Retirement; you may not be able to discover the true secrets to sustainable dividend income investing.

Who can train your Mind?

Who can train your discipline?

You and yourself?

Mind part - Secret No 1 is your Holding power

How strong?

Will you be forced into selling some of your dividend stocks during market low to make up for lost of dividend income?

Money Management part - Secret No 2 is your Firing power

How large is your War Chest when market turning bearish and going to crash soon?

If you happen to win this battle; you will strengthen your Holding power for next market cycles; your dividend yield will be stronger and sweeter. You may even hold some Touchstones generating dividend income for life!

BTW; anyone also heard about these two secrets in investment seminars, webinars, roadshows, social media or course previews?

Share share hor :-)

Saturday 20 November 2021



Wednesday 17 November 2021

Sunday 14 November 2021



War Chest As Calibrator To Regulate Cash Flow Across Market And Economics Cycle During Retirement (3)

 Read? War Chest As Calibrator To Regulate Cash Flow Across Market And Economics Cycle During Retirement (2)

What may actually work to generate sustainable retirement income for Panda/Koala retirees in Singapore market?

The commonly recommended 3% to 4% rule based withdrawal by FAs and/or on the ground tested method based on War Chest as calibrator to generate sustainable retirement income across market and economics flowing into Cash Reservoir to minimize any down the road forced assets draw-down during market low.  

Draw-down of assets during market low to support living expenses is a bad investing strategy!

5th year into retirement (2017 to 2021) - Actual outcome

Saturday 13 November 2021

Where does the money come from??? (3)

Read? Where does the money come from??? (2)

Hmm ...

Tesla has never declared dividends on our common stock. We intend on retaining all future earnings to finance future growth and therefore, do not anticipate paying any cash dividends in the foreseeable future.

Tesla just had its worst week in 20 months after Elon Musk sold $5.7 billion worth of shares (Elon pocketed $5.7B. Where does the money come from???)

One simple example of where does the money come from in HDB heartland!

The father asked his son to buy over his 4 rm HDB at market price e.g. $400K. He bought it very cheap at $55K. Father made $345K. Pom pi pi! His son CPF OA less $400K!

Father happy! Son also happy?

Tuesday 9 November 2021

DBS : Bought @ $32.28 For Round 27

This morning a new ATH @ $32.68!

Personal ATH  $31.51

Replay to hit a new personal ATH or suck Panadol on Friday and wait long long!

Read? DBS : Round 26 : Sold @ $32.51

Why Into Counting Daily 10,000 Steps? Precision? Silly? or What???

Read? Completed The National Steps Challenge Season 5 today?

Yesterday completed!

$50 spare from the walking paths to hoot the next ToTo $8M draw to become Millionaire in Singapore!

Every 6 months spare $50 to hoot ToTo!

Monday 8 November 2021

Singtel : Sold @ $2.58 as Round 2-2

Read? Singtel : Sold @ $2.53 as Round 2-1

Round 2-2: ROC 10.4%, 152 days, B $2.33 S $2.58

Round 2-1: ROC 8.2%, 131 days, B $2.33 S $2.53

Round 1: ROC 3.8%, 110 days, B $2.38 S $2.48

DBS : Round 26 : Sold @ $32.51

Read? DBS Hits ATH @ $32.06 On 28 Oct 2021

Round 26 : ROC +2.6%, 11 days, B $31.59 S $32.51

Round 25-1 : ROC +6.9%, 38 days, B $29.78 S $31.94

Encountering At Least One Major Economic or Market Crisis Is Good For Our Future Prospective!!! - Refresh

Read? IN FOCUS: Qualified, willing but still looking for work - why some mature PMEs struggle to find jobs despite retraining, government support

Lucky; Uncle8888 was given Cry Got Sound life lesson by old days "Siva-like" right at his face and never forget!

We are firmly shaped by our own personal experience on the ground! Same like investing. 

Investing is like sports, hobbies or daily or weekly exercise. We choose our very own sports, hobbies or exercise; or you are the type who will follow the most popular ones. Investing; same same. We choose own Game to play! 

Should we be easily influenced by the most popular Game of the Day; and then give up our own Game even it is scoring well just to follow the popular ones?

Read? Encountering At Least One Major Economic or Market Crisis Is Good For Our Future Prospectives!!!

Sunday 7 November 2021

How To Invest With Small Capital And Retire As Millionaire In Singapore? Real Person. Real Story!

Read? True Story of ToTo JackPot Group 1 Winners in 1988!


Good luck can FIRE soon!

He can! You can!

Free Dividend Fallacy? No lah! It Is Freehold Dividends For Life!!!

Read? Dividend Investing: When Does It Work, And When Doesn’t It Work?

Why would Investors go for Dividend Investing?

One of the earliest pieces of research into dividend investing, all the way back in 1984 by Shefrin and Statman, posited that investors’ preference for dividend investing was due to several reasons, amongst them:

To better exercise control over the management of the firm. i.e by demanding managers pay out dividends from earnings, shareholders ensure that the managers do not spend it on initiatives which are not beneficial to the shareholders

As a form of self control, so as not to overspend by selling too much of their stocks and running out of money

A preference for having something tangible in hand. i.e. a bird in the hand is worth two in the bush (CW8888: Real money in our pocket especially for retirees to fund their living expenses! Money already spent will never lose to Mr Market ever agin! LOL!)

Loss and regret aversion, by getting dividends to make up for capital losses when investing in stocks (CW8888: Panadols!!!)

To achieve freehold dividend income for life; it is a very long road, up and down valleys and mountains to Rome!  

Along this long road to Rome, Panadol! Panadol! Panadol! 

Suck plenty of Panadols till we reach Rome!!! 

Pain no more. 

Freehold dividends for life Pom pi pi!

Read? Yield of dreams: Investors have "a once in a lifetime opportunity" in blue chips (15)

Saturday 6 November 2021

DBS - New ATH @ $32.37 - A Few Real Stories On Why Investing Over Long Term Is Much Harder Than Talking On Theories Or Listening To "Gurus"!!!

Hindsight wisdom is either regrets, sorry or heng ah!

The hindsight wisdom is now back to haunt Uncle8888! 

History repeating again!  

Is this time wiser or better??? 

Tuesday, 13 October 2020

Read? DBS - Time in the market or Timing the Market?

Read? Market Cycles of What???

Read? Stop Loss, Cut Loss and Trailing Stop

What wrong with Panadols sucking strategy?

Panadols collected from 2009 to 2021 from DBS is $10.31!

Friday 5 November 2021



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