Less Analyzing. More Investing – CW8888 (2)

Read? Less Analyzing. More Investing - CW8888 This is the common response when someone began to talk about Investing with Uncle8888 ... Uncle8888: Why are you investing? Someone: I invest for income (or dividends)? Uncle8888: You look young. Are you retiring soon? Someone: No Uncle8888: Why do you need cash flow from stocks? You lack of money to use? Someone: No Uncle8888: … [Read more...]

Lucky Or Unlucky When You First Get Started Investing Over Market Cycles

Read?  How Much Luck in Investing Success? My Experience in 2008/09 Hmm ... like that then Uncle8888 was unlucky to read that book Rich Dad. Poor Dad at the wrong time and triggered him to seriously started his journey to Get Out of Rat Race when STI was near its high at 2583 and then crashed down to 1198. He was lucky or unlucky? Not sure but he did learn something very important and … [Read more...]

Do You Know What Is Market Cycle and Sector Cycle??? (2)

Read? Do You Know What Is Market Cycle and Sector Cycle??? Read? No Cut Losses & Multi-baggers For Long Time (2) Cut losses fast and live to fight another day! It could be true for trading for a living as they depend on cash flow to put food on the table. But; for retail investors who put food on the table from their earned income ; it is a different story! Depending on who you … [Read more...]

Two Bank Accounts? No, You may need Four! – (5)

Read? Retirement Income for Life??? (14) - How much is enough for retirement? If you are NOT into detailed household expenses tracking in view of controlling and tightening expenses; you may like to review Uncle8888's method of tracking household expenses for the purpose of knowing the Number and don't bother with its details to control expenses. It is just few minutes effort every moth to … [Read more...]

Buffett: ‘Widespread Fear Is Your Friend as an Investor’

25 Feb 2017 : Warren Buffett’s Letter to Berkshire Hathaway Shareholders Some years, the gains in underlying earning power we achieve will be minor; very occasionally, the cash register will ring loud. Charlie and I have no magic plan to add earnings except to dream big and to be prepared mentally and financially to act fast when opportunities present themselves. Every decade or so, … [Read more...]

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...]