Less Analyzing. More Investing – CW8888

A few minutes encounter with an "unknown" face on something unrelated to investing matter. So it is quite unexpected. LOL! Someone : Uncle, can I ask you something? Uncle8888 : OK Someone : I don't understand your Less Analyzing. More Investing. Uncle8888 : Wah! To explain, we need one whole session on it. :-) Now; it is not the right time. Simply, it is .... blah blah! Someone : … [Read more...]

Median household income from work in Singapore up 2.6% in real terms in 2016

Read? Median household income from work in Singapore up 2.6% in real terms in 2016 THE median household income from work among resident employed households in Singapore rose to S$8,846 in 2016 from S$8,666 in 2015, up 2.6 per cent in real terms, Singapore's Department of Statistics (DOS) said on Thursday. This is a drop from the 4.9 per cent increase in real median household income from work … [Read more...]

Income Investing For Cash Flow???

It is quite common that Uncle8888 heard from retail investors when talking about investing .. "I invest in S-REITs for income!" Hmm .. Does it really matter the cash flow from our ASSETS is Black Cat or White Cat? As retiree, Uncle8888's cash flow come from dividends, interests, trading, and when necessary some SMALL asset draw-down from those interests generating assets to supplement … [Read more...]

Can You Beat STI ETF DCA Passive Investing???

This young ex-colleague with small capital has taken the common investing advice to start investing early via STI ETF monthly DCA through our local bank Invest-Saver account. A few bloggers even suggested for those who have smaller capital they can start investing early through this way. He started on 23 Mar 2015 when the stock price STI ETF closed at $3.42. CW8888: Who says market timing … [Read more...]

Hindsight And Foresight Of Tracking And Measuring : One Reliable Forecasting And Planning Tool!!!

Ants have been busy preparing for the next Winter. They will know how much to gather to survive through the Winter and still have enough spare time after their hard work to dance in the Sun and Rain! The hindsight and foresight of tracking and measuring.  It is all about relying on the PAST to live within our means in the PRESENT and forecasting and sustaining the FUTURE with high level of … [Read more...]

Track And Measuring Investment Portfolio, Cash Flow and Net Worth. No Illusion And No Ego Boasting!!!

Read? CAGR, XIRR simplified With the above blog post; it has saved Uncle8888 from explaining the difference! Uncle8888 has tracked and measured whatever that can be measured and mathematically presented so that he is fully aware what has happened with his investment in the PAST and what can be possibly done better in the future; and what should be avoided in the future. No illusion. No … [Read more...]

Why I DIDN’T chose a 30 year bank loan but a much shorter one???

Read more on ? Housing Loan A few questions to be seriously answered before we know whether we ARE LIKELY to be right in the future. (1) You seriously think that you won't get married and have kids. (2) You don't REALLY have any dependents counting on you alone. (3) You don't foresee you will be forced into unexpected early retirement If the answer is all YES! You can go ahead … [Read more...]

Top Up CPF SA From CPF OA? Depending On Who You Ask! (10)

Read? Top Up CPF SA From CPF OA? Depending On Who You Ask! (9) Saturday, 19 September 2015 ..... Recently; Uncle8888 has been reading increasing interests in topping up CPF SA. He did once to top CPF SA from his CPF OA and then realized .. oh dear and stopped! One and only once! Probably; the lone voice that is lost in loud CPF SA drummers! For long journey ahead; beware of … [Read more...]

Whom Do You Choose To Believe???

Read? What is your investment goals and target ? Now; whom do you choose to believe? Veteran retail investors who have gotten their hands dirty and now in their land of financial independence or those "Gurus" in those free previews? True Story Uncle8888 couldn't tahan this FA who didn't want to give up and kept calling him to set up meeting to discuss on retirement … [Read more...]

Top Up CPF SA From CPF OA? Depending On Who You Ask! (9)

Read? Top Up CPF SA From CPF OA? Depending On Who You Ask! (8) Financially, psychologically, emotionally, responsibly married couples with dependents have to think and must consider their options differently. Matured and confirmed Singles may only need to secure their own retirement future. They will have less uncertainties and probabilities ahead of them. But, as married couples with … [Read more...]

The Difference Between Smart Financial Advice and Smart Financial Advice For You (5)

Read? The Difference Between Smart Financial Advice and Smart Financial Advice For You (4) Do we know that all these topping up of our CPF Accounts with our "excess" Cash is no different from selling options to Big Daddy and collect one time premiums of $XXX to $X,XXX with maturity date at 55, 62, 65 (soon 67)? Great deals??? For those younger folks who have few dependents; it is going to … [Read more...]

Goals Setting And Into Maintenance Mode

Uncle8888 after some years without IPPT; he slacked into Italy for a long time; but he set his Goal to kick Italy out of world cup with 5 Km, 10 Km and 15 Km jog. After several attempts of consistent 15 Km  jog; he knew that he has entered into maintenance mode. Even with a few weeks of slack; he could easily get back into shape of to reach that 15 Km after a few attempts. This is what … [Read more...]

No More Earned Income From Human Asset. It Is All About Sustainable Retirement Income For Life Till 2038 (2)

Read? No More Earned Income From Human Asset. It Is All About Sustainable Retirement Income For Life Till 2038 Uncle8888 still prefers worry-LESS over market cycles retirement income strategy even though he has 17 years of active investing experience in the stock market. Yes! He is savvy retail investor; but not Auntie8888. One day; he will not be around to invest so his money will have to … [Read more...]

Rental income may not be enough to service the loans; bonds flagged as another concern

Read? Rental income may not be enough to service the loans; bonds flagged as another concern .......... MAS noted, however, that on the whole, households here have an "ample financial buffer" to weather the stress of soft economic and labour market conditions. Still, it warned that as slower growth weighs on earnings, some households might find it harder to service their debts, especially … [Read more...]

Three Months After Not Doing Anything To Increase GDP As Jobless Man!

Read? Two Months After Not Doing Anything To Increase GDP As Jobless Man! The top two questions so far .... For those he has bumped into them but they are not CW8888 Blog's  readers; the top two questions from them when they knew that he has retired are .. (1) How do you pass your time? Watch TV? (2) Doing any part-time job? Up till now; Uncle8888 has not watched any single TV drama … [Read more...]

Full Year 2016 Investment Performance Report

Read? Q3 2016 Investment Performance Report A Goal-based Approach Investing Strategy Uncle8888 has adopted a Goal-based Approach investing strategy by setting for himself a 10-year progressive Goal Targets to be achieved for each year from2012 to 2021. Our investing journey is not Horse Race or Rat Race where we compete against others.  No! It is our investment Marathon Race where we set … [Read more...]

One Of The Financial Goals You Should Stop Aiming For In 2017???

After reading somewhere in the Cyber world; huh! So far; Uncle8888 hasn't met any retail investors who are still in the stock market and have admitted that they can't beat CPF OA interest rate of 2.5% CAGR. For his generation of seniors in their late 50s and 60s who have admitted; they have chopped their fingers and move on and never touch the stock market again. Real People. Real … [Read more...]

Frugality, Time, And Money??? (2)

Depending on which finance and investment bloggers you ask? Uncle8888 has recently tobang this brand new Audi Q5 home a few times. Why buy a new Audi Q5 when Audi's owner is going to retire soon on official retirement age? Not frugal? Not financially savvy? Actually; he wanted to buy a cheaper one; but his wife told him to get the Audi. She told him off. Do you want to bring your money … [Read more...]

Cash: A Call Option With No Expiration Date???

Golden Rabbit  26 December 2016 at 08:29:00 GMT+8 Can we look at cash rotting in the bank as a "separate" asset investment from stock portfolio? Cash: A Call Option With No Expiration Date. Hmm .... For those with earned income; cash as a call option with no expiration will not have any significant impact even over prolong market cycle; but for those retirees like Uncle8888 who is … [Read more...]

Measuring Our Investment Portfolio? (2)

Read? Measuring Our Investment Portfolio? Why measure as closely as possible to commonly accepted measuring methodology? This is to indicate to ourselves that we are active or DIY retail investors/traders who are continuously looking to revise our strategies and methods to achieve better performance than investing in some ETFs or Funds or doing CPF Top Up; otherwise why waste our time, … [Read more...]