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

I Am Not Afraid To Draw-down My Net Worth To fight Future Decades Of Year-on-year Inflation For Spending

Read? Don’t Save Too Little, or Too Much Read? http://createwealth8888.blogspot.com/search?q=Ants “I use the analogy of the ant versus the grasshopper,” Dr. Guo said. “When I tell that story to my kids, I always praise the ants for working hard all summer, saving for winter and being prepared.” When he talks to retirees and people planning for retirement, he is less enthusiastic about industrious ants. “What we found in our study is that, if people behave like ants, it can be very problematic. Once they get into the habit of saving, it’s very hard for them to break it. The behavior becomes...

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Portfolio Management & Yearly Cash Flow Generated During Decumulation Phase (2017 to 2019)

Decumulation is actually a word and it refers to the de-accumulation of assets in order to maintain your quality of life in retirement. It’s much more complex than the accumulation of assets. Read? Why Retirement Decumulation Is The New Accumulation You can be young without money but you can’t be old without it. – Tennessee Williams With DBS Q3 dividend declared at $0.3. Cash flow for 2019 is completed. It is 8.4% ROC (Own investing capital since Jan...

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Compounding And Leverage Work In Your Favour!

If you have spent enough time reading in the investment blogosphere; you will come across writings by those with commercially vested interests telling you these two words : compounding and leverage. (1) The key is to start early and let compounding work in your favour to meet …… (FI, FIRE or Retire) (2) If your unleveraged portfolio is insufficient for ….(whatever); then go and leverage up your portfolio to meet it. Compounding And Leverage Work In Your Favour??? What they will never tell you? You can compound negatively in your investment until you feel so painfully and chop fingers and never ever again!...

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For whom to invest???

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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I Don’t Live Off Dividend Income In Last Three Years In Retirement From Full-time Job As Employee

Read? Why Living Off Dividend Income in Retirement is Not Perfect Uncle8888 doesn’t hate his CPF at all! With CPF and local equities in SGX ; he can build sustainable retirement income for life model across future market and economic cycles and also help to avoid any sequence of return risks. Spur 30 September 2019 at 12:01:00 GMT+8 Hi Uncle8888, Cash shield, yield shield, bond shield. I think very hard for negative sequence of returns risk to penetrate your triple shields!...

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Temasek makes S$4.1 billion bid to take control of Keppel Corp

Read? Temasek makes S$4.1 billion bid to take control of Keppel Corp Read? Long Term Investing : The Past Is NOT Present. The Present is NOT the Future! That is WHY it is very tough to be BUY and HOLD!!! The Motley Fool Singapore » Company Analysis » 2 Reasons I Find It Difficult to Invest in Keppel Corporation Limited Lawrence Nga | September 24, 2019 LOL! One month later … Temasek makes S$1.4B bid to take control of Keppel Corp!...

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Can Dividend Investing Support AVERAGE Retirees Over Decades Of Inflation In Their Retirement Lifetime? (2)

Read? Can Dividend Investing Support AVERAGE Retirees Over Decades Of Inflation In Their Retirement Lifetime? For every $10K of annual household expenses; FIRE or retire will need to accumulate this level of capital to invest @ 5% yield and also re-invest the surplus balance of dividends @ 5%; and assuming 2.5% yearly inflation. 20 years – $274K 30 years – $301K 40 years – $320K...

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Can Dividend Investing Support AVERAGE Retirees Over Decades Of Inflation In Their Retirement Lifetime?

Uncle8888 has serious doubt as AVERAGE retiree; he can just depend on dividend investing to support his lifetime household expenses with yearly inflation. Certainly; he needs more than just dividend investing strategy to be sustainable! So you believe when you build an investment portfolio to generate the required dividend income to support your household expenses you can FIRE or retire? Sure? In long-term investing, your account size really matters – CW8888...

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Why most “pay to learn” trading courses out there are most likely sh*t

Read? Why most “pay to learn” trading courses out there are most likely sh*t LOL! Uncle8888 can never forget his poke at late “Guru”. Read? Till His Death Still No Answer From Him??? Remember this Cold Hard Truth in the stock market. When we are in the market; we are all direct competitors in the same Buy or Sell queue! When someone who is shouting loud and clear to buy or to sell; he or she is already done and no longer competing in the same Buy or Sell queue as you! No one is that stupid to let you compete...

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How Do We Measure Our Own Success In Life?

Read? To succeed, what are you willing to sacrifice? Becoming very rich? Becoming big landlord? Becoming business owner? Climbing corporate ladder to our limit? Becoming rich and famous? etc Some interesting conversation with one ex-colleague in his early 40s who had an interview this morning for this year end promotion exercise. How do we measure our own success in life? He has rejected any promotion. So what exactly is success? Can success be knowing what is enough and maintaining status quo? Be happy! Don’t ask for more! Can? BTW, he also NOT investing too! He is frugal!  His favorite and...

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Counting The Opportunity Costs Of Not Staying Fully Invested In The Stock Market

What it will take for the War Chest to cover those missing (illusion) wealth in the stock market from 2010 to 2023? Tap 3 : Yearly Return (War Chest Interests, Dividends and Divestment Gains/Losses) on Own Investing Capital (since inception on Jan 2000) Plan and Goal is useless??? Grasshopper or Ants? What it will take for the War Chest to cover those missing (illusion) wealth in the stock market from 2010 to 2023? It is about 75% cash flow return on current level of War Chest over the next 4 years! Hmm … market crash over the next 2...

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How much you’ll need to retire?

Read? Time is your bff for retirement planning How much you’ll need A good rule of thumb is the replacement rate (or replacement ratio), which is calculated in this way: Replacement rate = income after you retire / income before you retire The recommended replacement rate varies from around 60 to 80%. Hmm …. It looks like Uncle8888 has to deploy his war chest sooner to catch up with the recommended replacement rate towards the higher end....

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Long Term Investing : The Past Is NOT Present. The Present is NOT the Future! That is WHY it is very tough to be BUY and HOLD!!!

Read? 2 Reasons I Find It Difficult to Invest in Keppel Corporation Limited The Foolish bottom line I think Keppel Corporation is still a worthwhile company to study further, mainly because of the diversity of its income sources. But personally, I find its declining financial performance and volatile dividend payout hard to stomach. Lumpy dividends payout hard to stomach??? It is NOT until you have personally experienced and taken these Panadols into your stomach. How bad is the stomach upset??? How bad can it be? The Past is NOT Present. The Present is NOT the Future. Tough to be buy...

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Years Of Rising Bull Market Will Make Us Looking Smart With Our Investment Portfolio And Mastery Of Investing Or Trading Skills

Rainbowcoin 21 September 2019 at 22:51:00 GMT+8 Hi Uncle8888 If you can relive the 07-08 period, what would you have done differently to prevent a plunge from 157% to 15%? How did you derive the projected plunge value (41%)? Seeking some enlightenments. :) Uncle8888 started his journey in Jan 2000 at age 44 to pursue Financial Independence at Sep 2011 @ 55 years old through short-term trading and long-term investing. He then spent days and nights following news and forums. He read books on investing and trading books from NLB. Read? Books from NLB Who are we in the Market?...

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