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

Monday 5 December 2022

Panda's Investment Portfolio Hits A New All Time High Record With 3-Bagger Portfolio In An Uninspiring And Boring SG Stock Market! (20)

Monday, 12 September 2022

Read? Panda's Investment Portfolio Hits A New All Time High Record With 3-Bagger Portfolio In An Uninspiring And Boring SG Stock Market! (19)

Wah! Santa Rally in STI?

A new ATH from 188%, 189%, 191%, 193%, 196%, 198% ,199% , 201% , 202% , 204% , 207%, 208%, 211% , 212% , 214% , 215% and 216%!

Panda is back to dancing and smiling again in local SGX! Shiok!


  1. Hi CW,

    Its really wonderful isnt it? Collect dividends and still see your stock portfolio grow in value. This is why we do dividend investing. Dividend for 2022 : $88K

    Same goes for landlords. They collect rents and see their property values go up. This is why we are landlord. Rental income 2022 : $40K

    What about CPF savers? Wait for 1 Jan 2023 and when you see the interests credited, another big smile. Thats why we are big on CPF savings. Its a more secure source of passive income without the roller coaster ride of emotions and anxiety. Expected 2022 Interests : $99K

    Total passive income for 2022 : $226K. We are not complaining.

    1. Without re- investing through compounding magic, the growth in portfolio if any will be very slow.

    2. Hi CW,

      "Without re- investing through compounding magic, the growth in portfolio if any will be very slow". You hit the nail on the head.

      That's why I always tell young bloggers - dont FIRE! Keep working when they hit FI, because their salary income will enable them to continue reinvesting their dividends, plus from their salary.

      When they FIRE, they will be spending their dividends instead.

      Anyway, its their lives and their choice.

    3. CW and mysecretinvestment,

      We are pretty much on the same page.

      The MAJOR compounding effect is from the yearly capital injections from our Earned Income.

      Since I'm on sabbatical from full time work since age 44, I cannot depend on Earned Income to either bail me out from losses; or add to winners.

      I've to depend on REALISED capital gains to GROW my dividends.

      Money or capital It's same, same.

      No matter whether we call it salary, trading profits, dividends, or interests!

  2. Reinvested dividends & interests do act as propellant and accelerant to a large ending amount, but it takes time & realistically can only be done with a structure that's a combination of traditional pension + cpf i.e. investment in financial assets like pension, but no supporting of one generation by another like the old CPF. ;)

    Someone who started with DCA of $2k a month in a 60/40 portfolio when he started work 40 yrs ago & retired today will have a pension pot of $7.7m. This period included the 2000s lost decade which gave nominal returns worse than the 1970s lost decade.

    At initial inflation-adjusted 3% withdrawal, there's 98% chance of the portfolio lasting the next 40 years.

    If that person had started in 1972 & retired 40 yrs later in 2012, his pension pot would be $10.6m. This period included both the 1970s stagflation & the 2000s lost decade.

    The only issue as mentioned at the start is that very few people can sustain this over 40+40 yrs on discretionary & voluntary basis. :)

    1. Spur,

      Everything looks fine and interesting until the last sentence...

      "very few people"... Cheh!



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