tag:blogger.com,1999:blog-1602023866179666640.post8603600962245268677..comments2024-03-22T00:30:54.666+08:00Comments on Create Wealth Through Long-Term Investing and Short-Term Trading: Panda's Investment Portfolio Hits A New All Time High Record With 3-Bagger Portfolio In An Uninspiring And Boring SG Stock Market! (20)Createwealth8888http://www.blogger.com/profile/08563834016250153049noreply@blogger.comBlogger6125tag:blogger.com,1999:blog-1602023866179666640.post-53823501764197155602022-12-06T19:14:18.499+08:002022-12-06T19:14:18.499+08:00Spur,
Everything looks fine and interesting until...Spur,<br /><br />Everything looks fine and interesting until the last sentence...<br /><br />"very few people"... Cheh!<br /><br />LOL!<br /><br /><br /><br /><br />Singapore Man of Leisurehttps://www.blogger.com/profile/13774067113884418001noreply@blogger.comtag:blogger.com,1999:blog-1602023866179666640.post-32227802173162758672022-12-06T14:21:41.853+08:002022-12-06T14:21:41.853+08:00Reinvested dividends & interests do act as pro...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. ;)<br /><br />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. <br /><br />At initial inflation-adjusted 3% withdrawal, there's 98% chance of the portfolio lasting the next 40 years. <br /><br /><br />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. <br /><br /><br />The only issue as mentioned at the start is that very few people can sustain this over 40+40 yrs on discretionary & voluntary basis. :)Spurhttps://www.blogger.com/profile/11824813457786462446noreply@blogger.comtag:blogger.com,1999:blog-1602023866179666640.post-58779793956246340192022-12-06T09:30:28.610+08:002022-12-06T09:30:28.610+08:00CW and mysecretinvestment,
We are pretty much on ...CW and mysecretinvestment,<br /><br />We are pretty much on the same page.<br /><br />The MAJOR compounding effect is from the yearly capital injections from our Earned Income. <br /><br />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.<br /><br />I've to depend on REALISED capital gains to GROW my dividends.<br /><br />Money or capital It's same, same. <br /><br />No matter whether we call it salary, trading profits, dividends, or interests!<br /><br /><br /><br />Singapore Man of Leisurehttps://www.blogger.com/profile/13774067113884418001noreply@blogger.comtag:blogger.com,1999:blog-1602023866179666640.post-36189299132809495102022-12-06T08:58:45.718+08:002022-12-06T08:58:45.718+08:00Hi CW,
"Without re- investing through compou...Hi CW,<br /><br />"Without re- investing through compounding magic, the growth in portfolio if any will be very slow". You hit the nail on the head. <br /><br />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.<br /><br />When they FIRE, they will be spending their dividends instead.<br /><br />Anyway, its their lives and their choice.mysecretinvestmenthttps://www.blogger.com/profile/08168670757085990801noreply@blogger.comtag:blogger.com,1999:blog-1602023866179666640.post-41008380457759854212022-12-06T08:25:35.325+08:002022-12-06T08:25:35.325+08:00Without re- investing through compounding magic, t...Without re- investing through compounding magic, the growth in portfolio if any will be very slow. CreateWealth8888https://www.blogger.com/profile/04870750974362417154noreply@blogger.comtag:blogger.com,1999:blog-1602023866179666640.post-71969284559826703412022-12-06T07:50:23.263+08:002022-12-06T07:50:23.263+08:00Hi CW,
Its really wonderful isnt it? Collect divi...Hi CW,<br /><br />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<br /><br />Same goes for landlords. They collect rents and see their property values go up. This is why we are landlord. Rental income 2022 : $40K<br /><br />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<br /><br />Total passive income for 2022 : $226K. We are not complaining.<br /><br />mysecretinvestmenthttps://www.blogger.com/profile/16700632508434787208noreply@blogger.com