Author: Create Wealth Through Long-Term Investing and Short-Term Trading

Don’t Time The Market???

Uncle8888’s own investing experience and outcome over the last 20 years find it really hard to accept this common investing advice – Don’t time the market! On hindsight wisdom and back-testing on own data points.  Look more rewarding is to time the market and then let those good ones spending time in the market to provide you with decades or lifetime of cash flow. Uncle8888’s three little pigs core holding Factors for lifelong investing: 1. Position sizing 2. Money management for capital recycling to diversify, filtering and concentrate down the better ones for time in the market and also accumulating sizable war chest...

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Investment Portfolio Management : Know enough, Know your yield, Know your risk

Read? Not Just Financial Independence. Build Sustainable Retirement Income For Life!!! (3) Assuming 2.5% annual inflation rate from 2020 to 2032. Uncle8888 has more than 12 years or up to 2032 at age of 75 over the next market crash to deploy significantly his war chest to achieve his net worth asset allocation through this strategy of know enough, know your yield, know your risk.    ...

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Temasek posts 1.49% one-year return; divestments outpace investments

TEMASEK Holdings on Tuesday reported a one-year total shareholder return (TSR) of 1.49 per cent for the 12 months ended March 31, 2019, reflecting market volatility as it warned of lower returns expectations for the longer term amid weak global growth. This compared with the 12.2 per cent TSR posted in the year-ago period, with TSR a compounded and annualised measure that includes dividends paid to its shareholder but that excludes its shareholder’s capital injections. Compounded over 45 years since its inception in 1974, annualised returns stood at 15 per cent. The Singapore investment firm’s net portfolio value grew...

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Five Lessons from History

Spur 7 June 2019 at 13:00:00 GMT+8 Why it’s so hard to be greedy when others are fearful. Just some food for the Mind. ;) Read? Five Lessons from History Lesson #2: Reversion to the mean occurs because people persuasive enough to make something grow don’t have the kind of personalities that allow them to stop before pushing too far. It’s true for investors. The kind of personality willing to take enough risks to earn outsized returns is generally not compatible with the kind of personality willing to shift everything into muni bonds once they’ve made enough money. They’ll keep...

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Negative Equity – Can you can survive out of it? (Refresh)

Sunday, 15 February 2009 Read? Negative Equity – Can you can survive out of it? Walau! Wrote this blog post 10 years ago! When you are forced to top up, it means that you now are forced to potentially LOSE MORE THAN what you have intended i.e. up to $50K. NOW YOU ARE FORCED TO POTENTIALLY LOSE MORE THAN $50K. Furthermore, you can’t be sure what is the LIMIT of Potential Losses like. You are cornered to continue the Game of Trading with more money or GET OUT. What if you liquidate your positions as you do not want to...

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The Stocks Manage Themselves

Read? The Stocks Manage Themselves Uncle8888 really likes these … It doesn’t matter if you self-identify as an active or passive investor, the stocks don’t care about you either way. It’s a completely one-sided relationship. When Ibbotson said it’s “much harder to manage people than it is to manage stocks” he was speaking in terms of running a business but the hardest person to manage is yourself when we’re talking about investing. Research shows investors who are overconfident in their abilities and assume they’re above average investors trade more frequently. There’s an embedded illusion of control in that we assume...

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Something Behind Our Luck Factor And Chance In Randomness Environment Where We Have No Control (2)

Read? Something Behind Our Luck Factor And Chance In Randomness Environment Where We Have No Control What is that something behind our luck factor and chance in the world of randomness where we have no control over the events happening? Need statistician to comment? We often hear and say it ourselves. Oh you are lucky! Yeah I am lucky! So what is behind this Luck factor? Hmm … after last two years of roaming across the island of Singapore and becoming top public transport user identified by LTA. He now thinks that is the Law of Large Number behind our...

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How Concentration Affects Portfolio Performance

Read? How Concentration Affects Portfolio Performance Vanguard recently came out with a piece that provides investors with additional data to bring to this conversation. They calculated the returns of Russell 3000 stocks over the last 30 years and found that 47% of stocks were unprofitable investments and almost 30% lost more than half their value. They also found, and this is the big one, that 7% of stocks had cumulative returns over 1,000%. Hmm .. Peter Lynch is proved right! Read? Peter Lynch on His Secret to Superior Returns (2) Hmm … long term retail investors should be doing … Read? Portfolio...

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I Track More Than Just Net Worth For More Certainty

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...

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Why Many Want To Pursue Financial Independence And Get Out Of Rat Race?

Read? A whopping 92% of working Singaporeans are stressed – and women are prioritising families over themselves, study finds If you’re feeling stressed at work, you’re not alone. A vast majority of working Singaporeans are under stress, and women in particular feel that it’s less manageable, a survey has found. In the 2019 Cigna 360 Well-Being Survey, a whopping 92 per cent of working Singaporeans report feeling stressed, higher than the global average of 84 per cent. Of this, 13 per cent say their stress is unmanageable, which is on par with the global average, according to the study which...

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Will Anyone Know Who My CPF Nominee(s) are?

The CPF nomination details are kept confidential. Hence, your family members will not be informed of the identity of your nominee(s). It is also not possible for any person to check with the CPF Board if they are someone’s CPF nominee. However, you may authorise the CPF Board to disclose the identities of your nominees to specific individuals after your demise. Today, Uncle8888 visited CPF Branch again; but this time it is not about withdrawal of CPF interests. He has authorized CPF Board to disclose the identities of his nominees to the Executors of his Will as specific individuals after your...

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A Hole In The Heart. In Investing Too

Read? My Life Journey So Far At One Quick Glance On Mar 2019 In Dec 1999, Uncle8888 after reading that book “Rich Dad. Poor Dad” and had a mind flip and strongly believe that he can get out of rat race through Investor quadrant. He knew himself very well so he won’t bother with Business Owner quadrant. He gathered all his spare money as his investing capital and dedicated one bank account to hold his investing capital and investment. In this way; his investment money is always physically and mentally separated from all other money and liquidity needs. Every single...

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The Reason To Transfer CPF OA to SA???

Uncle8888 read this morning from FB and smiled .. “a) I transferred my CPF-OA to CPF-SA because I don’t want my future girlfriend to see a single cent in my CPF-OA and push me to buy a private condominium. Today, I get over $10k from the CPF board on my interest alone for my SA and MA accounts.” Wanlan! Read?Encountering At Least One Major Economic or Market Crisis Is Good For Our Future Prospectives!!! (Time for a re-fresh) Food for thought for some wives to unduly pressurize your hubby with such thought? On Housing Upgrade For years, he has...

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How Soon Should You Start Investing Your CPFIS And SRS? (2)

Read? How Soon Should You Start Investing Your CPFIS And SRS? Is SRS fit for its purpose i.e. to secure our retirement fund? Super low interest rate at 0.05% and some tax saving will quickly corner most retail into investing ASAP to beat inflation and grow their retirement fund at faster rate. Compounding wonder! Wonder any statistics on SRS investment performance like CPFIS statistic? Another real life investing story on SRS, trading and investing to show that it is not that easy as we often hear those success stories presented in previews, conferences, talks or seminars. Armed yourself with sufficient...

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