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...]

Earn More and Save More; BUT ….

Uncle8888 is in the camp of earn more; BUT ..... Sometime, we are NOT in control of our body even our mind is very focus and determined to succeed by enhancing our human asset to earn more. BUT; the sad truth is bad thing happened. It may happen earlier than expected to throw out our dream of becoming who we wanted to be. That is Life! A timeline picture tells his lifetime story of his human … [Read more...]

Turning 55 – and enjoying financial freedom (2)

Trust but verify - SMOL Writers may write about their own personal experience and that personal experience is right or applicable to them on that particular circumstance so we trust but verify so Uncle8888 has visited CPF Bishan branch office to verify directly from the Horse's mouth. CPF : What can I do for you? CW: I want to check my housing loan refund. CPF: Your IC please. CPF: … [Read more...]

Turning 55 – and enjoying financial freedom

....  Some of the happiest middle-aged people I have encountered are those who have planned creatively for other options later in life...  But it is the way they manage their finances that intrigues me. Rather than continue to accumulate assets, their chief priority is to preserve whatever they possess and allow the magic of compounding to grow their assets. Reflecting on their experience, one … [Read more...]

Our Last 20 to 30 Years May Not Be What We Expect When We Are Delaying Our Gratifications To Our Future

Since Uncle8888 has plenty of free time and no additional transportation cost; he can easily travel to anywhere in Singapore including JB without having to blink his eyes on transportation cost to jio them for kopi. After meeting a few senior folks; he came to realize about this delay gratifications and not doing what we have wished to do but we choose to delay it for the sake for delay … [Read more...]

Health And Retirement

Yesterday, when Uncle8888 reached 10 Miles Junction and jio his ex-colleague down for kopi O kosong. He realized that not all of us are looking forward to retirement. His ex-colleague of 61 who may have to retire at 62 next year as he foresees slim chance of getting re-employment due to his poor medical condition. For the past three years; his medical bills reimbursement for specialist … [Read more...]

Option trading As Passive Income is still Hot!!!

When market is never of short of Bei Kambing. There will be instruments, platform and courses available for bei kambing! Greed will lead to stupidity! Read?  Police warn of rise in online scams involving binary options; over $1 million lost to unregulated trading platforms While binary options trading is attractive as it sounds simple and there are often promises of high, quick and … [Read more...]

Financial Independence : Withdrawal??? Passive Income > Living Expenses???

Financial independence? How many investment bloggers got it practically right? Many of them has failed to recognize this and THIS itself will screw up your withdrawal plan in big way? Where is your money for SOME upfront payment? Read? healthcare insurance Quote : "At best, if you have private healthcare insurance and intend to make use of the private hospitals or approved … [Read more...]

The Difference Between Smart Financial Advice and Smart Financial Advice For You (3)

Read? The Difference Between Smart Financial Advice and Smart Financial Advice For You (2) Net Worth and Cash Flow? Rich Assets and Good Assets? Big Fat Purse and Small Thin Wallet? Single and Married with kid(s)? Our parents are asset or liabilities Not same hor! Net Worth and Cash Flow : The difference is in its details Government has provided nice incentives for us to … [Read more...]

Cut Losses And Account Blow Up Where Successful Retail Investors Don’t See Eye To Eye To Successful Retail Traders.

Read? Positioning Size and Risk Comfort Level Where Successful Retail Investors Don't See Eye To Eye To Successful Retail Traders Often quoted by retail traders : Painful margin calls and account blow up. No successful retail traders for cash flow/living are not in leveraged instruments. Leverage is a double-edged sword; you can potentially lose more than expected and blow up your account. … [Read more...]

Cash Flow For A Living : Traders vs. Investors View

They will not see eye to eye as trading is an active role to make a living and in fact; it is just another part-time job in disguise while investing can be periodic active and more often inactive with nothing much to react. To be able to survive as retail investors from cash flow for a living; this is what Uncle8888 has observed from the Cyber world on those who have made it. Their account … [Read more...]

Simply What Is Retirement Planning? (2)

Read? Simply What Is Retirement Planning? What folks have been reading so far are based on theory and concept. All are just paper exercise and war plan. The real execution will begin on 2017 .... Ant as retiree will know his Number in advance and will play this Number Game as it moves along! Real stuff and actions to execute those years of retirement planning - The 3 Taps Sustainable … [Read more...]

Don’t Let Your Money Die A Slow Death In Cash Or Don’t Gamble With Your Hard Earned Money In The Stock Market???

You are likely to hear from "Gurus" are trying to sell you something relating to investing or trading : Don’t Let Your Money Die A Slow Death In Cash.  You are likely to hear from your parents or old relatives who are advising you based on their own experience during AFC (1998) in the stock market. Before AFC (1998), CPF members were allowed to invest or trade in whatever way they deemed fit to … [Read more...]

The Difference Between Smart Financial Advice and Smart Financial Advice For You

Read? The Difference Between Smart Financial Advice and Smart Financial Advice For You Uncle8888 fully agreed on the difference! Be very careful what you are reading on issues or topics relating to our personal finance and investment. Read? Why you may not be sufficiently prepared for retirement (2) Same like smart financial advice on SRS, SA Top up, and Transfer CPF OA to SA advocated … [Read more...]

Setting financial Goals that are beyond your control???

Hmm .... Huh? Who are telling you that? Not to set financial goals that are beyond your control! It is like telling us not to run a marathon race. You can't set your marathon goal as you can't control your body and legs to make it! Come here. Uncle8888 shows you how to run an investment marathon race by setting 10-years Investment Marathon Goals. Even we can't complete our full … [Read more...]